That’s far from the truth, actually. It is true that collection agencies are different than debt buyers and as a result are not included in some of the laws that must be followed by collection agencies, however there are many laws debt buyers still must follow.  Interestingly, debt buyers are not considered Debt Collectors under the FDCPA based on a Supreme Court ruling from June 12, 2017. We do not consider ourselves above the law, so we follow it, but just because we may not be required to comply with laws that do not apply to our specific industry category doesn’t change our approach. It is our goal to work with you harmoniously to resolve this debt. We’re not a collection agency. From the standpoint of our relationship, it is irrelevant for all intents and purposes.