Federal law does not prohibit a debt collector from asking a consumer to voluntarily repay a debt that the consumer is no longer legally obligated to pay, a federal judge has held. In a written opinion issued Monday, U.S. District Judge Edmond E. Chang did not rule on the merits of Patricia Harris’ allegation that two companies violated the Fair Debt Collection Practices Act (FDCPA) in a letter asking her to repay an old credit card bill. Chang, however, held that collectors do not run afoul of the FDCPA …