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Debt Collectors Behaving Badly: A Guide to UK Consumer Rights

Taurus Collect

Understanding your rights as a consumer is crucial when dealing with debt collectors. Unfortunately, many UK consumers are unaware of their legal protections and end up feeling intimidated or helpless when faced with aggressive debt collection tactics. Legitimate collectors should readily provide this information.

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What Does the CFPB Have to Do With My Debt Collection Claim?

FFGN COLLECT NY

If the individual owner or tenant owes the receivable and you seek payment from the individual through a debt collector , the CFPB will have a watchful eye. What is the Consumer Financial Protection Bureau? The CFPB determines how, where, and when you can pursue debt collection efforts against your consumer customer.

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Recent Trends and Common Allegations in FCCPA Litigation

Jimerson Firm

Unlike the FDCPA, which only applies to debt collectors, the FCCPA applies to all persons or businesses collecting consumer debts. Consumer Class Action Lawsuits One of the biggest trends we have seen is consumer lawyers taking a singular violation of the FCCPA and alleging the violation on a class-wide basis.

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$225,000 Punitive Damages Award Upheld Where Creditor Repeatedly Contacted Customer After Being Notified of Attorney Representation

Troutman Sanders

The defendant offered a “pause” program that allowed the plaintiff to suspend service for up to nine months at a cost of $5 per month, which the plaintiff accepted. Ultimately, the plaintiff filed for chapter 7 bankruptcy protection, listed the defendant as an unsecured creditor, and obtained a discharge of her debt.

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DFPI marks success in implementation of the California Consumer Financial Protection Law

Collection Industry News

The Department has also begun licensing debt collectors. The first change under the CCFPL was a new name for the Department which was formerly the Department of Business Oversight. OFTI participated in more than a dozen public events to publicize OFTI’s activities and extend the invitation to meet.

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Supreme Court Excludes Non-Judicial Foreclosure From FDCPA

BN Lawyers

Obduskey, a homeowner, sued McCarthy & Holthus, asserting that the law firm had violated the FDCPA when it proceeded with a non-judicial foreclosure prior to responding to a timely request for debt validation under Section 1692g of the FDCPA. The “primary definition” of debt collector being “any person.in

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Ambiguous Language in Validation Notice Creates Disputed Issue of Material Fact on Meaningful Attorney Involvement Claim

Consumer Financial Services Law

never participated personally in the mailing” violated § 1692e of the FDCPA where attorney had provided form letters to debt collector client which were mass-mailed to debtors with a “mechanically reproduced facsimile” of the attorney’s signature and attorney had no knowledge of plaintiff’s individual file). Jackson , 988 F.2d