{"id":2390,"date":"2015-07-22T12:29:09","date_gmt":"2015-07-22T19:29:09","guid":{"rendered":"https:\/\/pdxlegal.com\/?p=2390"},"modified":"2023-03-13T14:51:38","modified_gmt":"2023-03-13T21:51:38","slug":"fair-debt-collection","status":"publish","type":"post","link":"https:\/\/pdxlegal.com\/fair-debt-collection\/","title":{"rendered":"The Fair Debt Collection Practices Act"},"content":{"rendered":"<div>\n<section class=\"ocb-tree\" data-id=\"treekpiah8ez7dxcsmv6r\">\n<div id=\"row-rowkpcjqrbei2wkywka0\" class=\"ocb-object ocb-row ocbd0\" data-ocb-template-unique=\"\">\n<div class=\"ocb-item-background_2 d-none ocb-item-background-remove-mobile\">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<\/div>\n<div class=\"ocb-item-background \">\n<div class=\"ocb-item-background \">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<div class=\"ocb-item-background-screen-rowkpcjqrbei2wkywka0 ocb-item-background-screen black-background ocb-item-background-screen-gradient d-none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"ocb-row-inner \">\n<div id=\"column-colkpcjqrbei85801k9q\" class=\"ocb-object ocb-column ocb-column-vertical-undefined ocbd1 ocbd-child\" data-ocb-template-unique=\"\">\n<div class=\"ocb-item-background_2 d-none ocb-item-background-remove-mobile\">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<\/div>\n<div class=\"ocb-item-background \">\n<div class=\"ocb-item-background \">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<div class=\"ocb-item-background-screen-colkpcjqrbei85801k9q ocb-item-background-screen black-background ocb-item-background-screen-gradient d-none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"ocb-column-inner \">\n<div id=\"module-modkpcjqrbebt6jd4u30-parent\" class=\"ocb-object ocb-module ocbd2 ocbd-child\" data-ocb-template-unique=\"\">\n<div class=\"ocb-item-background \"><\/div>\n<div id=\"module-modkpcjqrbebt6jd4u30\" class=\"ocb-the-module \">\n<div class=\"ocb-item-background_2 d-none ocb-item-background-remove-mobile\">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<\/div>\n<div class=\"ocb-item-background \">\n<div class=\" ocb-item-background-color none-background \"><\/div>\n<div class=\"ocb-item-background-screen-modkpcjqrbebt6jd4u30 ocb-item-background-screen black-background ocb-item-background-screen-gradient d-none\"><\/div>\n<\/div>\n<div class=\"ocb-module-inner ocb-module-inner-text \">\n<div class=\"module-text\">\n<div class=\"ocb-object ocb-module-text ocb-item-text text-left text-md-left\" data-ocb-module-id=\"modkpcjqrbebt6jd4u30\">\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_Fair_Debt_Collection_Practices_Act_FDCPA\"><\/span><strong><span class=\"action-color\">Understanding the Fair Debt Collection Practices Act (FDCPA)<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662c39ed9d8b8\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662c39ed9d8b8\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#Understanding_the_Fair_Debt_Collection_Practices_Act_FDCPA\" title=\"Understanding the Fair Debt Collection Practices Act (FDCPA)\">Understanding the Fair Debt Collection Practices Act (FDCPA)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#What_is_the_FDCPA\" title=\"What is the FDCPA?\">What is the FDCPA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#The_Parties\" title=\"The Parties\">The Parties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#Actionable_Behavior\" title=\"Actionable Behavior\">Actionable Behavior<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#Foreclosure_Cases_%E2%80%93_Actionable_under_the_FDCPA\" title=\"Foreclosure Cases \u2013 Actionable under the FDCPA\">Foreclosure Cases \u2013 Actionable under the FDCPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#Proving_the_Case\" title=\"Proving the Case\">Proving the Case<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/pdxlegal.com\/fair-debt-collection\/#What_happens_next\" title=\"What happens next?\">What happens next?<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_FDCPA\"><\/span><strong>What is the FDCPA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>FDCPA stands for the <strong><a href=\"https:\/\/www.ftc.gov\/enforcement\/rules\/rulemaking-regulatory-reform-proceedings\/fair-debt-collection-practices-act-text\" target=\"_blank\" rel=\"noopener\">Fair Debt Collection Practices Act \u2013 15 U.S.C. \u00a7 1692,<\/a><\/strong><\/li>\n<li>The FDCPA is a Federal Regulatory Scheme designed to limit abusive collection practices passed in the late 70s,<\/li>\n<li>The FDCPA is a per se liability statute, meaning there is no requirement to prove willfulness,<\/li>\n<li>An FDCPA violation is like a speeding ticket, if you speed, you pay the fine \u2013 but only if you\u2019re caught.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"The_Parties\"><\/span><strong>The Parties<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Who does the FDCPA apply to?<br \/>\nA) Consumers<\/p>\n<ul>\n<li>A Consumer is someone who is not a business and incurred a debt for a personal, family or household reason (This can be a house, car, credit card for normal living expenses, ect.).<\/li>\n<\/ul>\n<p>B) Debt Collectors<\/p>\n<ul>\n<li>A Debt Collector is someone who seeks to <strong><a href=\"..\/consumer-protection\/\">collect a debt<\/a><\/strong> originated by someone else (Suttel &amp; Hammer, Zwicker &amp; Associates, RCO Legal, ect.) \u2013 This law does not cover the original creditor\/lender (Bank of America, Wells Fargo, Sears, ect.).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Actionable_Behavior\"><\/span><strong>Actionable Behavior<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>What types of behavior violate the FDCPA?<\/li>\n<li>Are collection companies leaving voicemail messages for collection? (Voicemail can be revealed to third parties inadvertently).<\/li>\n<li>Does the collector call often (more than once a day?) (Collection contacts must be conducted in a reasonable manor, between 8 am and 9pm).<\/li>\n<li>Any collection calls received at work? (A big no no).<\/li>\n<li>Did the collector begin mailing notices and was any written response sent? If so what did the response say? (If the debtor wrote a dispute letter to the creditor and it was ignored, this is actionable).<\/li>\n<li>Did a collector call and fail to identify themselves or the company they work for or otherwise not indicate they were calling to collect a debt? (The collector must always identify the company they work for and advise regarding their purpose).<\/li>\n<li>Has the collector contacted any person other than the Debtor? If so what did they tell that other person? (It is illegal for a collector to inform any other party besides the debtor that the debtor owes a debt and may only request location information).<\/li>\n<\/ul>\n<p>If your creditors showed any of these behavior, they may be in violation of the Fair Debt Collection Practices Act. Contact our <a href=\"..\/\"><strong>Oregon bankruptcy law firm<\/strong><\/a> today to take legal action.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Foreclosure_Cases_%E2%80%93_Actionable_under_the_FDCPA\"><\/span><strong>Foreclosure Cases \u2013 Actionable under the FDCPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Did a new servicer on a mortgage take over after missed payments?<\/li>\n<li>Did the new servicer fail to review or otherwise ignore letters regarding Loan Modification (This is a RESPA case).<\/li>\n<li>Did the New Servicer send letters or documents when the old servicer knew of attorney representation?<\/li>\n<\/ul>\n<p>If you answered yes to any of these, call our <a href=\"..\/foreclosure-defense\/\"><strong>Portland foreclosure defense attorney<\/strong><\/a> today to find out how you can keep your home.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Proving_the_Case\"><\/span><strong>Proving the Case<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>FDCPA violations are all about proof.<\/li>\n<li>The best way to prove improper collection contacts is to keep a phone log listing time, date and phone number that called. This will help if we need to pull a phone bill and will assist later in testimony before a judge or jury.<\/li>\n<li>If you sent the collection company a letter, we need a copy and better yet a certified mailing notice, to prove it was delivered to the creditor.<\/li>\n<li>Keep all voicemails.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_next\"><\/span><strong>What happens next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>The attorney will help put together a cause of action and get the calls to stop<\/li>\n<li>A lawsuit will need to be filed to bring the collectors behavior to the attention of the Court.<\/li>\n<li>We can recover some damages through the lawsuit.<\/li>\n<li>The attorney works on a contingent basis.<\/li>\n<li>Don\u2019t let collectors walk all over you, call us today to take back your phone and your rights!<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ocb-item-background_3 d-none ocb-item-background-remove-mobile ocb-item-background-over\">\n<div class=\" ocb-item-background-color primary_dark-background \"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ocb-item-background_3 d-none ocb-item-background-remove-mobile ocb-item-background-over\">\n<div class=\" ocb-item-background-color primary_dark-background \"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ocb-item-background_3 d-none ocb-item-background-remove-mobile ocb-item-background-over\">\n<div class=\" ocb-item-background-color primary_dark-background \"><\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the Fair Debt Collection Practices Act (FDCPA) What is the FDCPA? FDCPA stands for the Fair Debt Collection Practices Act \u2013 15 U.S.C. \u00a7 1692, The FDCPA is a Federal Regulatory Scheme designed to limit abusive collection practices passed in the late 70s, The FDCPA is a per se liability statute, meaning there is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35322,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"_links":{"self":[{"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/posts\/2390"}],"collection":[{"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/comments?post=2390"}],"version-history":[{"count":2,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/posts\/2390\/revisions"}],"predecessor-version":[{"id":37488,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/posts\/2390\/revisions\/37488"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/media\/35322"}],"wp:attachment":[{"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/media?parent=2390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/categories?post=2390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pdxlegal.com\/wp-json\/wp\/v2\/tags?post=2390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}