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MyFairDebt.com Forum Index Mark all forums read The time now is Mon May 12, 2008 7:06 am All times are GMT View unanswered posts General Discussions, Registration and Debt Collection-Related News Stories  Forum   Topics   Posts   Last Post  General Discussion This folder is for general discussion of debt collection issues. As with all postings in this forum, appropriate language and courtesy are to be used or the postings will be struck.     84 193 Fri May 09, 2008 9:58 am roland1981 News Stories, Articles and Outlines Regarding the FDCPA, Collection Abuses and Debt Collection Issues     72 89 Wed Jul 18, 2007 1:11 am admin Social Security and VA [Veterans Administration] Benefits: Can They Be Garnished? This folder examines whether a debt collector [or any creditor] can lawfully threaten to or take any action to try to garnish your social security benefits, VA benefits, or disability benefits received through Social Security or the VA. If they cannot, is it an FDCPA violation to threaten to do so?     4 8 Wed Jul 18, 2007 1:12 am admin Bad Faith Actions: Can Collector Sue You For Fees/Costs? If you bring a bad faith action against a party under the FDCPA, there is a provision to allow them to sue you for fees/costs.     2 2 Sun May 20, 2007 10:59 pm Skiffy Attorneys: Are They Debt Collectors? This folder examine when and how an attorney takes on the role of a debt collector and will be deemed a "debt collector" under the FDCPA and be subjected to its provisions.     14 15 Thu Oct 11, 2007 9:33 pm admin Collectors Suing Consumers in the Wrong Venue This folder examines instances where debt collectors [and their attorneys, whether the attorney fits the definition of "debt collector"] file suit against a debtor/consumer in the wrong venue.     8 9 Thu Jul 19, 2007 8:51 pm youareceo Least Sophisticated Consumer: What Is It and When Does It Apply? This folder examines the definition and application of the Least Sophisticated Consumer Standard.     9 17 Fri Jun 15, 2007 12:19 am admin Strict Liability Under the FDCPA This folder examines the concept of strict liability and whether any defenses may be asserted to strict liability. When does strict liability apply?     9 9 Fri Jul 13, 2007 4:02 am admin Time-Barred Debts: Can These Be Collected On? This folder examines collection of time-barred debts, the concept of moral obligations, as opposed to judicially enforceable debts, and whether the FDCPA is implicated.     11 15 Sat Feb 09, 2008 7:16 am admin Threats to Take Action Which Cannot Be Legally Done This folder examines the FDCPA violation occurring when a debt collector threatens to do or take some action adverse to the consumer which the collector is not legally entitled to do.     8 8 Sat May 26, 2007 2:42 am admin Harassing, Oppressing or Abusing the Debtor: 15 USC 1692d     6 9 Sat May 26, 2007 12:42 am admin Unauthorized Practice of Law: Debt Collectors Pretending to be Lawyers or Implying That They Act Like Lawyers This folder examines the all-too-frequent problem where collectors pretend to be lawyers or imply that they can do things that only a lawyer can do. The folder also examines instances where the collector threatens to do things which it cannot lawfully do.     17 18 Sun Sep 23, 2007 11:28 pm simanook5@juno.com Junk Debt Buyers: Who Are They and What Do They Do? This folder examines the junk debt buyers of America. It examines who they are and what they do.     5 6 Fri Jul 13, 2007 4:03 am admin Violations of the Automatic Stay and Discharge Order[s] By Debt Collection Acts or Omissions     14 15 Mon Dec 10, 2007 4:33 am admin Bad Checks: Collection of Dishonored Checks     3 6 Sat Mar 10, 2007 4:13 pm admin Demand For Immediate Payment: Is It an FDCPA Violation?     4 4 Sun Oct 01, 2006 4:15 am admin Debtor Confusion by Vague or Deceptive Communication     3 3 Wed Jan 31, 2007 4:01 am admin Calling Debtors at Work? Calling Friends and Family? Is That Permissible?     34 51 Wed May 07, 2008 3:37 am admin Mini-Miranda Warning/Notice Mandated By the FDCPA     6 6 Wed Jul 25, 2007 11:02 pm admin Unjust Enrichment: Louisiana     1 17 Sun Jul 30, 2006 9:54 pm admin Arrest You? Can a Debt Collector Threaten You With Arrest, Prosecution, etc.?     13 13 Tue Aug 01, 2006 3:04 am admin Quotes: On Debt Collection and Its Abuses This folder is for quotes by famous or infamous people about debt collection and collection abuses. You may lift and use the quotes but we strongly advise that you check the source as we are in no position to verify the accuracy of the quotes shared by visitors to this site. [[Lawyer Disclaimer as usual]].     6 7 Mon Mar 19, 2007 6:09 pm admin NARCA: What Is It and What Do They Have to Say?     28 28 Wed Jul 26, 2006 1:59 am admin Continuing Legal Education Outlines     1 1 Sun Oct 01, 2006 7:51 pm admin False Representation That Communication is From an Attorney     7 9 Fri Jan 18, 2008 8:18 pm GoingGrey Other False or Misleading Misrepresentations     19 20 Sat May 26, 2007 2:42 am admin Unfair Practices By Collectors     4 4 Sat Dec 30, 2006 8:49 am admin Collector's Communications With the Debtor and Others     13 14 Sat Dec 30, 2006 8:10 am admin Location Information: When and How Can the Collector Contact Debtor or Others to Acquire or Confirm Location Information?     5 5 Fri Dec 15, 2006 8:02 am admin Deceptive Forms and Letters: Collector's Use Violates FDCPA     4 4 Wed Jan 31, 2007 4:03 am admin Class Actions Under the FDCPA     5 7 Sun Apr 08, 2007 5:04 am admin Statute of Limitations [Also Called Prescription Period]: How Long Do Creditors/Collectors Have to Sue You on an Alleged Debt?     57 87 Tue Nov 20, 2007 6:10 am mwchaille Excessive Phone Calls, Use of Autodialers and Scripted Messages     10 10 Sat May 26, 2007 12:40 am admin Pleading Ground Rules: What is Required in Federal Court?     2 2 Wed Apr 11, 2007 2:09 am admin Threats to Turn In a 1099-C to the IRS Some debt collectors are threatening consumers with turning in a 1099-C to the IRS ostensibly under 26 USC 6050P and claiming that discharged debt is "income" to the consumer. Is that legal?     10 10 Sun Jan 20, 2008 4:36 am admin Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings     21 22 Sat Jun 02, 2007 7:46 pm admin Can Debt Collectors Curse You or Engage in Name-Calling?     7 7 Sun Jan 14, 2007 7:48 am admin FTC Holder Rule: Assignee/Holder of Consumer Credit Contract is Subject to All Claims and Defenses Consumer Has Against Original Seller/Retailer: 16 C     32 38 Thu Dec 07, 2006 2:51 pm JoeKiefer Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims     2 2 Wed Jul 18, 2007 1:10 am admin Debt Collector Misrepresenting Affiliation: 15 U.S.C. 1692e[9]     3 3 Wed Jan 31, 2007 4:04 am admin Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses     86 90 Mon May 12, 2008 5:53 am admin Additional Collection Fees, Interest, Surcharges and Other Assessments Can you have these padded onto your debt?     3 6 Fri Jun 15, 2007 12:34 am admin Potential Exposure For Sanctions Due to Filing Bad Faith FDCPA Cases: 15 U.S.C. 1692k[a][3], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11     21 21 Fri Apr 20, 2007 5:50 am admin Collection of Parking Tickets, Traffic Citation Charges, Court Costs and Other Governmentally-Imposed Debts     1 1 Thu Jul 26, 2007 5:37 pm admin The Fair Debt Collection Practices Act: Statute and Definitions  Forum   Topics   Posts   Last Post  FDCPA, 15 USC 1692, et. seq. This folder directs you how and where to find a copy of the entire statute with case law annotations and it contains the statute itself.     12 14 Thu Jul 12, 2007 6:59 pm admin FDCPA: Purposes and Policies This folder examines the purposes and policies behind the federal statute.     22 32 Thu Feb 22, 2007 6:07 am David A. Szwak Communication: Specifically Defined Under the FDCPA This folder examines what constitutes a "communication" under the FDCPA so as to trigger certain protections of the Act.     17 18 Thu Feb 22, 2007 6:19 am David A. Szwak Consumer : Who is a "Consumer"?     5 5 Thu Feb 22, 2007 6:20 am David A. Szwak Creditor : Who is a Creditor Under the FDCPA?     21 24 Sun Nov 18, 2007 9:05 pm admin Debt: What Constitutes a "Debt" as Defined by the FDCPA? 15 U.S.C. 1692a[5] This folder examines the definition of "debt" under the FDCPA. Whether a "debt" is the subject matter will determine whether the FDCPA applies. Case law and the definition under the FDCPA differentiate consumer debt from business-related debt.     44 52 Fri Nov 23, 2007 12:10 am admin Debt Collector: Who is a Debt Collector? This folder examines the definition of "debt collector" and the case law interpreting the term. The FDCPA applies to "debt collectors."     24 31 Fri Nov 23, 2007 12:12 am admin Cease and Desist Letters, Dispute Letters, and Validation Letters  Forum   Topics   Posts   Last Post  Validation Notice Under the FDCPA This folder examines all aspects of the validation notice required under the FDCPA.     37 43 Fri Sep 21, 2007 8:36 pm jmartinezclark Dispute Letters to Collectors This folder examines the dispute process whereby the consumer contests the alleged debt and whether the dispute may be oral or only in writing.     2 2 Sat Jul 29, 2006 6:24 am admin Cease and Desist: Calling Off the Debt Collection Dogs: How Do You Do It?     3 3 Sun Feb 25, 2007 9:10 pm admin Types of Damages, Remedies, and Awards Under the FDCPA and Related State Law Claims  Forum   Topics   Posts   Last Post  Jury and Bench Trial Verdicts and Awards This folder examines the awards in terms of damages, statutory or otherwise. Another folder will deal with the law regarding attorneys' fees, costs and those types of awards. This folder is to share gross figures on damages and recovery.     16 17 Sun Jan 14, 2007 7:51 am admin Attorneys' Fees, Costs and Other Non-Damage Awards     21 35 Sat Feb 09, 2008 7:17 am admin Injunctive Relief: Can I Get It Under the FDCPA?     6 6 Sat Jan 20, 2007 3:58 am admin Declaratory Judgment Relief: Can I Get It Under the FDCPA?     2 2 Tue Aug 01, 2006 2:53 am admin Damages Available Under the FDCPA     16 29 Sat Feb 09, 2008 7:18 am admin Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Jurisdiction Issues  Forum   Topics   Posts   Last Post  Personal Jurisdiction in FDCPA Cases     18 20 Wed Jan 10, 2007 9:29 am admin Jurisdiction and Venue: Where Can You Bring Your FDCPA Lawsuit?     11 12 Wed Mar 14, 2007 5:11 pm admin Removal to Federal Court and Remand to State Court: Important Considerations When Suing or Being Sued: Do You Want to be in Federal Court or State Cou     2 17 Wed Jul 18, 2007 9:17 am admin Respondeat Superior, Vicarious Liability, and Whether Others Are Liable  Forum   Topics   Posts   Last Post  Vicarious Liability/Respondeat Superior For Violations of the FDCPA     12 12 Sat Sep 09, 2006 2:12 am David A. Szwak FDCPA Preemption, Immunity, Bona Fide Error Defense, and Qualified Immunity  Forum   Topics   Posts   Last Post  FDCPA: Preemption of State Laws     3 3 Wed May 02, 2007 1:04 am Skiffy Bona Fide Error Defense: The Loophole     6 7 Sat Jan 13, 2007 9:53 pm admin Do You Have a Right to Bring Claims and How Long Do You Have?  Forum   Topics   Posts   Last Post  Standing: An Important Question This folder examines who is the proper party to bring a lawsuit. This folder examines the issues from the standpoint of consumer-damage suits and collection suits brought against the consumer.     20 20 Thu May 08, 2008 1:45 am admin Statute of Limitations: How Long Do You Have to Sue?     7 7 Sat Dec 30, 2006 9:01 am admin FDCPA Litigation Strategies and Procedural Issues and Law  Forum   Topics   Posts   Last Post  Settlements, Releases, Confidentiality and Other Things You Need to Kow and Consider If You Settle Pre-Trial This folder is for posts which address settlement tactics and strategies, and what you need to know about releases, confidentiality, and other settlement issues.     0 0 No Posts Offers of Judgment In FDCPA Litigation Federal and State Rules of Procedure provide cost and sometimes attorney's fee shifting mechanisms for defendants to attempt to force plaintiffs/consumers to accept proposed settlements. This forum provides a source of information for how these rules may impact the litigation.     21 32 Wed Mar 14, 2007 5:09 pm admin State Debt Collection Statutes, Cases and Laws  Forum   Topics   Posts   Last Post  Alabama: Debt Collection Act     1 2 Thu Jul 20, 2006 6:08 pm admin Alaska: Debt Collection Act     1 2 Thu Jul 20, 2006 6:09 pm admin Arizona: Debt Collection Act     2 3 Thu Jul 20, 2006 5:27 pm admin Arkansas: Debt Collection Act     1 2 Thu Jul 20, 2006 6:10 pm admin California: Debt Collection Act     3 4 Tue Aug 01, 2006 3:01 am admin Colorado: Debt Collection Act     1 3 Mon Aug 07, 2006 3:49 pm admin Connecticut: Debt Collection Act     1 1 Thu Jul 20, 2006 5:29 pm admin Delaware: Debt Collection Act     1 1 Thu Jul 20, 2006 6:30 pm admin Florida: Debt Collection Act     2 3 Sat Sep 23, 2006 4:03 am admin Georgia: Debt Collection Act     1 2 Thu Jul 20, 2006 6:33 pm admin Hawai'i: Debt Collection Act     1 2 Thu Jul 20, 2006 6:35 pm admin Idaho: Debt Collection Act     1 2 Thu Jul 20, 2006 6:38 pm admin Illinois: Debt Collection Act     1 2 Thu Jul 20, 2006 10:25 pm admin Indiana: Debt Collection Act     1 2 Thu Jul 20, 2006 10:26 pm admin Iowa: Debt Collection Act     1 2 Thu Jul 20, 2006 10:27 pm admin Kansas: Debt Collection Act     2 2 Tue Aug 01, 2006 2:34 am admin Kentucky: Debt Collection Act     1 1 Thu Jul 20, 2006 10:32 pm admin Louisiana: State Debt Collection Act     4 4 Sun Mar 04, 2007 6:44 am admin Maine: Debt Collection Act     1 2 Thu Jul 20, 2006 10:33 pm admin Maryland: Debt Collection Act     2 3 Sat Jul 29, 2006 6:57 am admin Massachusetts: Debt Collection Act     1 1 Sun Jul 16, 2006 9:21 pm admin Michigan: Debt Collection Act     1 2 Thu Jul 20, 2006 11:46 pm admin Minnesota: Debt Collection Act     1 2 Thu Jul 20, 2006 11:48 pm admin Mississippi: Debt Collection Act     1 1 Thu Jul 20, 2006 11:49 pm admin Missouri: Debt Collection Act     1 3 Thu Jul 20, 2006 11:52 pm admin Montana: Debt Collection Act     1 7 Thu Jul 20, 2006 11:55 pm admin Nebraska: Debt Collection Act     1 1 Thu Jul 20, 2006 11:56 pm admin Nevada: Debt Collection Act     1 2 Thu Jul 20, 2006 11:58 pm admin New Hampshire: Debt Collection Act     1 7 Fri Jul 21, 2006 12:03 am admin New Jersey: Debt Collection Act     1 1 Fri Jul 21, 2006 12:04 am admin New Mexico: Debt Collection Act     1 2 Fri Jul 21, 2006 12:07 am admin