Fair debt collection practices act section 809 b validating debts Free phone adult cam
It is intended to synthesize staff views on important issues and to give clear advice where inconsistencies have been discovered among staff letters.
In some cases, reflection on the issues posed or relevant court decisions have resulted in a different interpretation from that expressed by the staff in those informal letters.
Naturally, we use their lessons against them and do all we can to get them to screw up so they can be sued. § 1692a(2), defines the term "communication" as "the conveying of information regarding a debt directly or indirectly to any person through any medium." In its Staff Commentary, Commission staff stated that the term "communication" "does not include formal legal action (e.g., filing of a lawsuit or other petition/pleadings with a court; service of a complaint or other legal papers in connection with a lawsuit, or activities directly related to such service) "53 Fed. Thus, even in a jurisdiction that prohibits validation notices in court documents, a consumer will receive the validation notice and learn, for example, that the debt collector must provide the consumer with written verification of the debt if the consumer disputes the debt within thirty days. This enterprise collectively is known and generally presented as "Freedom-School.com" - "we," "us" or "our" are other expressions of used throughout. The information you obtain at this site is not, nor is it intended to be, legal advice.
You will find a lot of ingenious tricks and traps can be devised to make them goof it up and lose their collection efforts and their cases against you. State legislation that prohibits validation notices in court documents also does not stand as an obstacle to the promotion of "consistent State action to protect consumers against debt collection abuses." Consumers will receive their validation notices in jurisdictions that prohibit validation notices in court documents as well as in jurisdictions that permit the practice. Freedom School does not consent to or condone unlawful action.
-2013-0033 or Regulatory Identification Number (RIN) 3170-AA41, by any of the following methods: • Electronic:
The commentary is based primarily on issues discussed in informal staff letters responding to public requests for interpretations and on the Commission's enforcement program, subsequent to the FDCPA's enactment.
Therefore, the commentary supersedes the staff views expressed in such correspondence.