---
kind: "section"
citation: "15 U.S.C. § 1692h"
title: "15"
title_heading: "Commerce and Trade"
number: "1692h"
heading: "Multiple debts"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1692h"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter V — Debt Collection Practices"
---

# §1692h. Multiple debts


If any [consumer](/usc/15/1692a.md?p=3) owes multiple [debts](/usc/15/1692a.md?p=5) and makes any single payment to any [debt collector](/usc/15/1692a.md?p=6) with respect to such [debts](/usc/15/1692a.md?p=5), such [debt collector](/usc/15/1692a.md?p=6) may not apply such payment to any [debt](/usc/15/1692a.md?p=5) which is disputed by the [consumer](/usc/15/1692a.md?p=3) and, where applicable, shall apply such payment in accordance with the [consumer](/usc/15/1692a.md?p=3)’s directions.


## Source credit

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

## Notes

### 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.