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Fair Debt Collections  Practices Act   Brenda Terreault May 14, 2009
Collections ,[object Object],[object Object],[object Object],[object Object],[object Object]
Fair Debt Collection Practices Act ,[object Object],[object Object],[object Object]
Myth #1 FDCPA only applies to 3 rd  Party Collectors
Myth #2 FDCPA only applies to Consumer Debt – personal, family or household use
Purpose Behind FDCPA ,[object Object],[object Object],[object Object],[object Object],[object Object]
Debt ,[object Object],[object Object]
Consumer ,[object Object],[object Object]
A few key cases ,[object Object],[object Object],[object Object],[object Object],[object Object]
Debt collector ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Debt collector ,[object Object],[object Object],[object Object],[object Object]
Communication ,[object Object],[object Object],[object Object]
Communications with debtor ,[object Object],[object Object]
Communications with debtor ,[object Object],[object Object],[object Object],[object Object]
Ceasing communication with debtor ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Communications ,[object Object],[object Object],[object Object],[object Object]
Communications ,[object Object],[object Object]
Communication regarding debt with others ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Communication regarding debt with others ,[object Object],[object Object],[object Object],[object Object],[object Object]
Other communications concerns ,[object Object],[object Object],[object Object],[object Object],[object Object]
FDCPA’s prohibited activities ,[object Object],[object Object],[object Object],[object Object]
Harassment or abuse ,[object Object]
Harassment or abuse ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Harassment or abuse ,[object Object],[object Object],[object Object]
Harassment or abuse ,[object Object],[object Object],[object Object]
Examples of what is not harassment or abuse ,[object Object],[object Object],[object Object]
Examples of what is harassment or abuse ,[object Object],[object Object],[object Object]
Examples of what is harassment or abuse ,[object Object],[object Object],[object Object],[object Object]
False or Misleading Representations ,[object Object],[object Object],[object Object],[object Object],[object Object]
False or Misleading Representations ,[object Object],[object Object],[object Object],[object Object]
False or Misleading Representations ,[object Object],[object Object],[object Object],[object Object],[object Object]
Unfair Practices ,[object Object],[object Object],[object Object],[object Object],[object Object]
Unfair Practices ,[object Object],[object Object],[object Object],[object Object]
Fees expressly authorized ,[object Object],[object Object],[object Object],[object Object],[object Object]
Fees expressly authorized ,[object Object],[object Object],[object Object],[object Object]
Validation of Debt ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Validation of debt ,[object Object],[object Object],[object Object],[object Object]
Validation of debt ,[object Object],[object Object],[object Object],[object Object]
Validation of debt ,[object Object]
Disputed debts ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Legal action ,[object Object],[object Object],[object Object],[object Object],[object Object]
Deceptive forms ,[object Object],[object Object],[object Object]
Consider State Law ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Civil liability ,[object Object],[object Object],[object Object],[object Object]
What it costs collectors ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Civil liability ,[object Object],[object Object]
Any Questions?

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Fair Debt Collections Practice Act

  • 1. Fair Debt Collections Practices Act Brenda Terreault May 14, 2009
  • 2.
  • 3.
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  • 5. Myth #2 FDCPA only applies to Consumer Debt – personal, family or household use
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Editor's Notes

  1. The Act states the ways in which a debt collector, defined as any person who regularly collects debts owed to others, may go about pursuing payments from a debtor. FDCA was amended in 1986 to include attorneys in addition to creditors in applying laws relative to collection activity. The Act prohibits creditors from attempting to collect money by employing tactics such as extortion, physical threats, threats of defamation among family, friends and colleagues, and annoying inconveniences.
  2. Slenk – contractor in Hawaii, applied for trade credit to buy a backhoe. Line was in business name, delivered to business, Slenk signed forms as President of business. Slenk moved backhoe to home and did some landscaping, but never paid for backhoe. Creditor sent account to 3 rd party agency. Slenk sued agency for FDCPA violations and won. This case has been cited numerous occasions. Miss Cleo was a phone psychic in the late 80’s at least on East Coast. Jamaican Accent and gold lame’ turban. Doing time for fraud and tax evasion.