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 AFFAIRS consumer credit industry consumer debt consumer's court credit bureaus credit card credit grantors credit outstanding 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 going harassment households Hurlbutt in-house collectors income issue Jones Lakes Collection Bureau lawsuits 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 statement statute statutory damages SUBCOMMITTEE ON CONSUMER sumer tactics telephone testimony Texas Thank third party threats told Tri-State violations
Passagens conhecidas
Página 108 - 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 represent the views of the Commission or any Commissioner.
Página 204 - The business of insurance, and every person engaged therein, shall be subject to the laws of the several States which relate to the regulation or taxation of such business.
Página 211 - The use of any name, while engaged in debt collection, other than the debt collector's true name; (2) The failure to clearly disclose in all communications made to collect or attempt to collect a claim or to obtain or attempt to obtain information about a consumer, that the debt collector is attempting to collect a claim and that any information obtained will be used for that purpose...
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 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 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 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 247 - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform...
Página 219 - consumer", used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, household, or agricultural purposes. (i) The term "open end credit plan...