Tag Archives for " fair debt collection "

Feb 17

When Collecting Consumer Debts, Federal Law Prohibits the Use of Confusing Communications

Consumer Law Issues , Debt Collection

The Fair Debt Collection Practice Act (FDCPA), prohibits misleading an unsophisticated debtor. An “unsophisticated debtor” is “one who is uninformed, naïve and trusting, but does possess rudimentary knowledge about the financial world, and is wise enough to read collection notices with added care.” When bringing these claims that a debt collector’s communication was misleading, the […]

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Feb 09

Settlement Proposals can be Tricky


A Plaintiff sued a collector under the Fair Debt Collection Practices Act for sending him a letter in an effort to collect a debt he claimed he did not owe. The envelope containing the letter revealed a bar code which contained some of the Plaintiff’s personal information. He sued, arguing that the mailing violated the […]

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