The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by third-party debt collectors. The law details when and how a collector may contact a debtor. The government enforcer of the law has historically been the Federal Trade Commission (FTC), but some regulatory duties may be shared with the Bureau of Consumer Financial Protection housed within the Federal Reserve, created in 2010. The FDCPA is a strict civil liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 per violation plus reasonable attorney fees.
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Be Careful What You Rely On: Washington Court Says Debt Collector’s Reasonable Reliance On Balance Amount From Creditor Not Enough To Avoid FDCPA Violation
4 September 2024
insideARM Weekly Recap - Week of August 26th, 2024
3 September 2024
Federal Judge Sanctions Pittsburgh Law Firm for Writing ‘Imaginary’ Letters on Behalf of Clients in Debt Disputes
28 August 2024
Missouri Federal Court Dismisses FDCPA Claim Over Letters Sent to Plaintiffs’ Attorney
30 July 2024
7th Cir. Upholds Rejection of Borrower’s FCRA and FDCPA Claims Arising from Collection and Reporting Post-Bankruptcy
24 July 2024
insideARM Weekly Recap – Week of July 8th, 2024
15 July 2024
insideARM Weekly Recap – Week of June 17th, 2024
24 June 2024
Indiana Appeals Court Rules That a Passive Debt Buyer Is a Debt Collector under the FDCPA and State Law
19 June 2024
District Court Highlights the Importance of Precise Dispute Letters When Challenging Debt Collection
18 June 2024
General Counsel of the CFPB Delivers Remarks Focusing on Medical Collections and Tenant Screening
1 May 2024
insideARM Weekly Recap- Week of April 22nd, 2024
29 April 2024
Forget About It: FDCPA Class Action Asserting Emails Sent at Inconvenient Time Will Fail
23 April 2024
insideARM Weekly Recap- Week of April 8, 2024
15 April 2024
5th Circuit Reverses Judgment in FDCPA Case
10 April 2024
Third Circuit Finds Pennsylvania Lending Law Does not Regulate Collection of Charged-off Debt
21 February 2024
District Court Dismisses FDCPA Suit; Clarifies Debt Collector Communication on Identity Theft
11 January 2024
3rd Circuit Affirms District Court’s Decision That Losing a Debt Collection Case Does Not Necessarily Violate FDCPA
11 January 2024
CFPB Shuts Down Medical Debt Collector for Attempting to Collect Unverified Debt
19 December 2023
District Court Grants MSJ for Debt Collector in FDCPA Case Based on Interest Rate in Payment Plan
12 December 2023
Judge Dismisses FDCPA Case Alleging Violations Based on Undated Model Validation Notice
11 December 2023