Can debt collectors demand full payment?

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David A. Szwak
Posts: 1974
Joined: Thu Jul 13, 2006 11:19 pm

Can debt collectors demand full payment?

Post by David A. Szwak »

Can debt collectors demand full payment even though they know the agency or creditor will in fact accept partial payments?

A collector may ask for full payment. However, if you suggest a partial payment and the collector, knowing that the agency or creditor will accept partial payment, tells you that only full payment is acceptable, the collector has clearly violated Section 807 (10) of the FDCPA which, "prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."
David Szwak
Chairman, Consumer Protection Section, Louisiana State Bar Association
Bodenheimer, Jones & Szwak
509 Market Street, 7th Floor
Mid South Tower
Shreveport, Louisiana 71101
318-221-6444
Fax 318-221-6555
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