FAQ > Debt Collection FAQs > Which debts are covered under consumer protection laws?

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Which debts are covered under consumer protection laws?
The federal Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act cover consumer debts used primarily for personal, family or household purposes, such as credit cards, auto loans, utility bills, medical bills, mortgages and some student loans. They do not cover debt owed to a governmental agency, such as unpaid parking tickets, child support or taxes.