Two Lawsuits and a Phone Call


Happy Fourth of July!

Tonight’s podcast is about two FDCPA lawsuits and a phone call. If I reinforce one point it is to dispute every call and letter you get from collectors. This dispute will cement your full rights under the FDCPA.

The goal of this podcast is to talk through common issues that happen with debt collectors and how I am handling them.

Here are the specific FDCPA citations for the violations I talk about in this podcast:

§ 1692 c  Communicating after written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication

§ 1692 e False, deceptive, or misleading representation or means in connection with the debt collection

§ 1692 e(2) Miss-Representing the character, amount, or legal status of the alleged debt

§ 1692 e(4) Nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment

§ 1692 f(6) Taken or threatened to unlawfully repossess or disable the consumer’s property

§ 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication

§ 1692 g(B) Collector must cease collection efforts until debt is validated

That is a lot of violations! Most letters and calls you get from a collector will have several violations.

Let me know if you have any questions. I enjoy your questions.

Thanks, Boiler

    • Hi Jeff,

      You do need to understand the laws to be effective. You certainly need to know the FDCPA or FCRA if you are going to file a federal lawsuit.

      The good news is that these laws are not difficult to read. I bet you could read both the FDCPA and FCRA in an hour. Try it!

      Fight the Good Fight, Boiler

    • Johny,

      The whole game you will get from collection agencies is to intimidate you. You are correct.

      The key is to educate yourself and fight back… then win.

      Thanks for the comment.

      Fight the good fight, Boiler

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