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What Constitutes Excessive Calling Under the FDCPA?

What constitutes excessive calling under the FDCPA?  While the law prohibits excessive calling, there is no bright line rule for how many times a debt collector may call a consumer over a period of time.  Recognizing the industry frustration, we regularly detail the latest rulings, separating them by violations found; violations not found; and identifying the courts that have issued the decisions.

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A "Personal Business Matter" Is Still Personal in Tennessee

A Federal District Court in Tennessee ruled that the phrase "personal business matter" does not convey information regarding a debt under the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692, et seq.

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“In Connection With the Collection of a Debt” – How Far Does This Phrase Reach?

Be careful what you do with and how you communicate about a settled debt.  A federal court has determined that a sale or further collection of a settled debt by a different collection agency can be construed as the supplying of false information regarding the debt – by the settling collector.

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