Entities that extended credit directly to consumers such as finance companies, banks and telecommunication companies do not act as debt collectors. These creditors may not adhere to the Fair Debt Collection Practices Act (FDCPA) principles in recovering funds owed to them. However, the requirements of this Act cannot be overlooked especially if a creditor wants to collect debt from a consumer who resides in California. According to California Rosenthal Act, a debt collector refers to any creditor who tries to recover a consumer debt from a consumer resident in California. Thus, the act regards the creditor as well as the collection agencies as “debtor collector”. Also any person who often recovers consumer debts or any company that create tools used in recovering consumer debts can be referred as a debt collector. A consumer is any person to whom credit is extended during the course of a transaction .The collection agency is a corporate organization who recovers debts on behalf of the creditors. Thus, it operates as a third party in collection of consumer debts owed to a creditor. This company may be a subsidiary of the company that extended the credit (in which case the lending company has a holding interest in the collection agency) or it may be a division of the lending company. Despite the requirements of the Rosenthal Act which regulates the collection of debts from customers in California, the Act also includes most of the guidelines of Fair Debt Collection Practice Act, FDCPA. The Act gives extra protection to the consumers than the FDCPA. Thus, overlooking the debt collections rules set by the FDCPA while collecting debts from a consumer located in California may amount to violation of California law. The Fair Debt Collection Practice Act (FDCPA) is not entirely similar to the California Rosenthal Act as two important exceptions to the Rosenthal Act exist. Creditors are not compelled to send notice to the debtors as the FDCPA guidelines insists. Also, the creditors are not required to send the validation notice to the debtors. The Rosenthal Act also forbids the creditors from making multiple calls to the consumers with the intention of provoking the latter. A creditor is required to identify himself in a voice mail as failure to do so is regarded as an infringement of the law. However, some debtors do file claims against the creditors for calling them at inconvenient times. In such a situation, the consumer is paid damages for violation of his privacy. A creditor is not supposed to contact a consumer that is represented by an attorney directly except for the purpose of the statement of account regarding the debt. However, the Act is not violated if monthly bills are sent to the consumer. A creditor who is also an occasional debt collector is not compelled to adhere to the requirements of the Rosenthal Act. Such a debt collector rarely collects debt and may do so to recover the funds owed by an acquaintance. Also, the Act covers only debts owed as a result of payment made for goods and services for family and personal purposes. Violation of Rosenthal Act The California Act that promotes fair debt collection has the following requirements.