The FDCPA typically only to the collection of debt incurred by a consumer primarily for personal, family, or household purposes. It does not apply to the collection of corporate debt or debt owed for business or agricultural purposes EXCEPT as the FTC has outlined - when an original creditor and the entity collecting the debt have different legal names (e.g. Chase Manhattan Inc. is creditor but Chase Collections LLC is collecting). When this occurs a creditor can be sued under FDCPA laws, even for business credit, because they are collecting debts under a different name than the credit was issued under.
Even if the same entity (i.e. must have legal names match) is both the creditor and collecting the business debts, one can still have them removed because commercial collection companies are oft certified by associations such as the International Association of Commercial Collectors (IACC), Commercial Law League of America (CLLA) and the Association of Credit and Collection Professionals (ACA). These associations serve as substitutes to the federal laws obeyed for consumer collections, ensuring that commercial collection agencies are using fair, ethical, and respectable practices
All business creditors must legally validate the debt when the debtor requests it. Since no debt will ever be validated - all business credit cards and business loans can be removed with the same letters written for 'personal debts'. Only private business debts (net vendor accounts) require a bankruptcy to legally discharge.
And most importantly remember that “A national bank has no power to lend its credit to any person or corporation…” Bowen v. Needles Nat. Bank, 76 F. 176 (1896), certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637 which negates any credit lent because the credit came from the guarantor (you) signing the request for a line of credit. In other words, all the elements of a contract (i.e. Offer, Acceptance, Awareness, Consideration, Capacity, and Legality) are not all there, specifically Consideration is missing because the original creditor gave nothing of theirs - everything came from the signatory.