The ABC’s of a Dunning Letter
https://www.calcollectors.net/members/articleindexs/fdcpa/pdfs/2009/2009_July/07-2009_The_ABCs_of_a_Dunning_Letter_Jeanne_Zimmer.pdf
Dunning letters refer to collection from consumers for “consumer credit transactions” in which property, services or money are acquired on credit by the debtor from the creditor primarily for “personal, family, or household pur-poses.” D is for DEFAULT: The debt must be in default for the FDCPA to apply.
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