Rosenthal Fair Debt Collection Practices Act: covered debt: commercial debts.

Existing law, the Rosenthal Fair Debt Collection Practices Act, prohibits debt collectors from engaging in unfair or deceptive acts or practices in the collection of consumer debts and requires debtors to act fairly in entering into and honoring those debts. Existing law defines "debt collection" as any act or practice in connection with the collection of consumer debts. Existing law defines "consumer debt" for these purposes to mean money, property, or their equivalent, due or owing, or alleged to be due or owing, from a natural person by reason of a consumer credit transaction. Existing law also defines "consumer debt" to include a mortgage debt.