Skip to Content

News & Resources

Don’t Waste Your Resources: No FCRA Claim for Frivolous Disputes

Data furnishers do not have a legal obligation to report and investigate “frivolous or irrelevant” disputes.  If you are a data furnisher, you need to know when a dispute is considered frivolous under the FCRA.

Per the FCRA, a dispute is frivolous if the consumer fails to provide “sufficient information” to aid in investigating the dispute. 


No “Prior Express Consent” to Call Cell Number Provided?

If you are autodialing cell numbers, you should be aware of a recent decision that could affect how courts are interpreting the “prior express consent” provision of the Telephone Consumer Protection Act (TCPA).

Pursuant to the TCPA, it is permissible to place autodialed or prerecorded message calls to a cell if “made with the prior express consent of the called party.”  In a 2008 Federal Communications Commission Ruling (FCC Ruling), the FCC ruled that “prior express consent” exists when a consumer provides a cell number to a creditor (e.g., on a credit application) in connection with the transaction that resulted in the debt. 


YOUR LONG STANDING VALIDATION LETTER MAY NOW SUBJECT YOU TO CLASS LITIGATION

We have recently seen a rise in the number of plaintiff's attorneys and regulators challenging long standing language found in the initial letters for many agencies.  Does this look familiar?

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.


“Robo-Signing” & “Rubber-Stamping”: Don’t!!!

The debate over “rubber-stamping” and “robo-signing” documents to prove the validity of debts has been prominent in the debt collection industry for the past several years.

The California Attorney General’s Office recently announced that they filed an action against JPMorgan Chase alleging that the bank engaged in fraudulent and unlawful collection practices by “robo-singing” litigation filings, e.g., sworn documents, declarations, and verified complaints, without reviewing and confirming the information was accurate before signing. 


Separating the Divide Between Buyers and Collectors: Licensing Requirement for Debt Buyers in Washington State

If you are a debt buyer, effective October 1, 2013, you will need a debt collection license to collect in Washington.
                                                   
The current definition of a “collection agency” under the Washington Collection Agency Act does not specifically reference debt buyers.  Therefore, it has been a widely accepted practice for debt buyers to collect debts from Washington consumers without obtaining a license.  



Categories


Archives



FOUNDED IN NEW ORLEANS, WE NOW SERVICE CLIENTS THROUGHOUT THE NATION

  • California

    San Diego

    1550 Hotel Circle North
    Suite 260
    San Diego, California 92108

    T: (619) 758-1891
    F: (877) 334-0661

    View Details

    Los Angeles

    311 Monte Vista
    Irvine, California 92602

    T: 714-485-7342

    View Details
  • Colorado

    Montrose

    65010 Solar Road
    Montrose, Colorado 81403

    T: (970) 218-9086
    F: (877) 334-0661

    View Details
  • Florida

    Tampa

    3350 Buschwood Park Dr.
    Suite 195
    Tampa, Florida 33618

    T: (813) 890-2460
    F: (877) 334-0661

    View Details
  • Georgia

    Atlanta

    56 Perimeter Center East
    Suite 150 PMB 1070
    Atlanta, Georgia 30346

    T: (678) 539-6030
    F: (877) 334-0661

    View Details
  • Illinois

    Chicago

    145 South Wells Street
    Suite 1800
    Chicago, Illinois 60606

    T: (312) 578-0990
    F: (877) 334-0661

    View Details
  • Louisiana

    Metairie

    3850 North Causeway Boulevard
    Suite 200
    Metairie, Louisiana 70002

    T: (504) 828-3700
    F: (504) 828-3737

    View Details
  • New Jersey

    Flemington

    3 Cross Creek Drive
    Flemington, New Jersey 08822

    T: (908) 237-1660
    F: (877) 334-0661

    View Details
  • New York

    New York

    112 W. 34th St.
    Manhattan, New York 10120

    T: (716) 636-5178
    F: (877) 334-0661

    View Details
  • Pennsylvania

    Philadelphia

    1650 Market Street
    Suite 3600
    Philadelphia, Pennsylvania 19103

    T: (215) 398-1653
    F: (877) 334-0661

    View Details
  • Texas

    Dallas

    900 Jackson Street
    Suite 440
    Dallas, Texas 75202

    T: (214) 741-3001
    F: (214) 741-3098

    View Details

  • ACA
  • Brand Elite
  • RMA
  • Super Lawyers
  • AV 2020