Fair debt collection practices act section 809 b validating debts christian singles dating seattle
Therefore, the commentary supersedes the staff views expressed in such correspondence.
In many cases several different sections or subsections of the FDCPA may apply to a given factual situation.
and is therefore required to respond to proper debt validation requests.
In contrast, the original creditor and its employees are generally not subject to the FDCPA, though they may be regulated by other state and federal laws; including the Fair Credit Reporting Act, which was modified by the Fair and Accurate Credit Transactions Act in 2003.
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.
A debt collector must verify a disputed debt even if he has included proof of the debt with the first communication, because the section is intended to assist the consumer when a debt collector inadvertently contacts the [ 10. A debt collector need not cease normal collection activities within the consumer’s 30-day period to give notice of a dispute until he receives a notice from the consumer.This page explains how debt collectors can notify you and what types of debt validation notice is legal or illegal.If the employer’s debt collection agent gives the required notice, employee debt collectors need not also provide it.It is not a formal trade regulation rule or advisory opinion of the Commission, and thus is not binding on the Commission or the public.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.
This commentary is the vehicle by which the staff of the Federal Trade Commission publishes its interpretations of the Fair Debt Collection Practices Act (FDCPA).