15 USC § 1692h - Multiple debts

---
identifier: "/us/usc/t15/s1692h"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1692h - Multiple debts"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1692h"
section_name: "Multiple debts"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "V"
subchapter_name: "DEBT COLLECTION PRACTICES"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title VIII, § 810, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 880.)"
---


# § 1692h. Multiple debts

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.

---

**Source Credit**: (Pub. L. 90–321, title VIII, § 810, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 880.)

## Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of six months after , see , as added by , set out as a note under .