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Table Of Contents

I.OVERVIEW
A.INTRODUCTION
B.HISTORY OF THE FDCPA
C.RELATIONSHIP BETWEEN THE FDCPA AND STATE LAWS
D.ABRIEF HISTORY OF THE TEXAS DEBT COLLECTION ACT
E.FTCOPINIONS
F.OVERVIEW OF THIS ARTICLE
II.DEFINITIONS AND KEY TERMS UNDER THE FDCPA
III. DOES THE FDCPA APPLY TO YOUR ACTIVITIES?
A.ARE YOU COLLECTING A“DEBT”FROM A “CONSUMER”?
B.DEBT “DEFAULT”REQUIREMENT
C.ARE YOU A“CREDITOR” OR A “DEBT COLLECTOR”?
E.IS THE DEBTOR A“CONSUMER?”
F.THE FDCPA“MIRANDA WARNINGS.”
IV.PROHIBITED “COMMUNICATIONS” WITH THE “CONSUMER.”
A.FDCPA–PROHIBITED ACTION
V.MULTIPLE DEBTS
VI.PROPER VENUE TO COLLECT THE “DEBT.”
VII.FDCPA CLAIMS AVAILABLE TO THE “CONSUMER.”
A.PROHIBITED ACTS UNDER THE FDCPA
B.FAILURE TO GIVE THE FDCPA“MIRANDA WARNINGS.”
C.“OVERSHADOWING” THE REQUIRED WARNINGS OR NOTICES
D.FAILURE TO PROVIDE VALIDATION OF THE DEBT
E.ATTEMPTING TO COLLECT AN AUTHORIZED AMOUNT
F.BRINGING A LAWSUIT IN THE WRONG VENUE
G.UNLAWFUL COMMUNICATIONS
B.FDCPA“BONA FIDE ERROR”DEFENSE
A.“ACTUAL DAMAGES”UNDER THE FDCPA
B.RECOVERY OF ATTORNEYS FEES UNDER THE FDCPA
C.“ADDITIONAL DAMAGES”UNDER THE FDCPA
D.FTCENFORCEMENT UNDER THE FDCPA
X.INTERACTION WITH STATE LAWS
XI.RECENT FEDERAL FDCPA CASES
XII.APPENDIX
APPENDIXA: TEXT OF THE FDCP
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Debt Collection Law 2

Debt Collection Law 2

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Published by jasonwm

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Published by: jasonwm on Jun 16, 2011
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11/13/2012

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