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Fair Debt Collection Practices Act

TITLE VIII – DEBT COLLECTION PRACTICES Sec. Short Title Congressional findings and declaration of purpose Definitions Acquisition of location information Communication in connection with debt collection Harassment or abuse False or misleading representations Unfair practice Validation of debts Multiple debts Legal actions by debt collectors Furnishing certain deceptive forms Civil liability Administrative enforcement Reports to […]

EASTERLING v. COLLECTO, INC., d/b/a COLLECTION COMPANY OF AMERICA

This case determined that a debt collector’s inaccurate representation to a debtor that her student loans were “ineligible” for bankruptcy discharge was a false, misleading, or deceptive debt collection practice, in violation of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692, et seq. BACKGROUND In 1987, Plaintiff Berlincia Easterling obtained a student […]

FDCPA