Senate committee substitute makes the following changes to the 1st edition.

Amends GS 75-54 to provide that failing to disclose that the purpose of the communication is to collect a debt is not a deceptive representation if the communication is made to a third-party under GS 75-53 for the purpose of obtaining location information about the debtor.

Amends GS 75-55 to delete the provision expressly authorizing the collection of fees. Deletes the language providing that if a consumer decides to make arrangements with a debt collector to cure any existing default and resume debt payments, the collector is entitled to add the court costs to the balance of the loan and collect them as part of the loan balance. Makes clarifying changes.