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ADVISORY RULING #7
FEBRUARY 13, 1975
February 13, 1975
You have inquired whether collection agencies are subject to the Maine Consumer Credit Code. Assuming that the collection agency does not purchase, receive or solicit assignments of claims, the agency would not be subject to the notification filing requirements set forth in part 2 of Article VI of the Code.
However, where the collection agency is acting on behalf of a creditor, it would be subject to various provisions of the Code. An example of such coverage would be section 6-111 relating to fraudulent or unconscionable conduct by a person acting on behalf of a creditor.
If you have any further questions, please do not hesitate to contact us.
John E. Quinn