Title 15, Commerce and TradeRelease 119-102
§1692h Multiple Debts
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER V — DEBT COLLECTION PRACTICES › § 1692h
Summary
If you owe more than one debt and send one payment to a debt collector, the collector must not put that money toward any debt you say is wrong or that you dispute. If you tell the collector which debt the payment should go to, they must follow your directions if they can.
Full Legal Text
Title 15, §1692h
Commerce and Trade, Source: USLM XML via OLRC
If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Effective Date
Section effective upon the expiration of six months after Sept. 20, 1977, see section 819 of Pub. L. 90–321, as added by Pub. L. 95–109, set out as a note under section 1692 of this title.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1692h
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102