The Fair Debt Collection Practice Act: Hearing Before the Subcommittee on Consumer Affairs and Coinage of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Second Congress, Second Session, September 10, 1992U.S. Government Printing Office, 1993 - 248 páginas |
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Palavras e frases frequentes
action AFFAIRS AND COINAGE alleged attorney general's office attorney's fees bad checks bank bankruptcy believe bill collectors Chairman TORRES Clauss collect a debt collection activities collection industry Collection Practices Act communication companies Congress consumer credit industry consumer debt consumer's court credit bureaus credit card credit grantors credit outstanding credit reporting creditors damages Danny Roberts debt collection agencies debt collection complaints Debt Collection Practices debtors disclosure dispute enforcement F.Supp Fair Debt Collection FDCPA Federal Trade Commission garnish harassment households Hurlbutt in-house collectors income issue Jones Lakes Collection Bureau lawsuit lenders licensing litigation loans MBNA MCCANDLESS MEDINE million mortgage NCLC neighbors notice number of complaints payment penalties percent Polk County problem profits prohibited received regulations Scott Harshbarger Section 809 statement statute statutory damages SUBCOMMITTEE ON CONSUMER sumer tactics telephone testimony Texas Thank third party threats told Tri-State violations
Passagens conhecidas
Página 108 - While the views expressed in this statement represent the views of the Commission, my oral presentation and responses to questions are my own and do not necessarily reflect the views of the Commission or any individual Commissioner.
Página 203 - Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.
Página 26 - ... that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose...
Página 192 - ... unless the following information is contained in the initial communication or the debtor has paid the debt, send the debtor a written notice containing the following: (1) The amount of the debt. (2) The name of the creditor to whom the debt is owed. (3) A statement that unless the debtor, within 30 days receipt of the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the attorney or his or her employee. (4) A statement that if the debtor...
Página 208 - ... (7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. (8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. (9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court,...
Página 192 - ... period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such...
Página 205 - ... obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. (2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. (3) The solicitation by a debt collector of any postdated check or other postdated...
Página 97 - Rahall, and members of the Committee, thank you for your invitation to testify today. On behalf of the...
Página 105 - creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (5) The term "debt...
Página 232 - I thank you and the members of the committee for this opportunity to present this statement in support of this legislation.