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CEB Prac. Guide § 2A.24 -- Communications with Third Parties -- Communications regarding Location Information

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11th Cir.’s Hunstein Panel Doubles-Down on Prior Decision interpreting 15 U.S.C. 1692

by Scott J. Hyman |

Over a strong dissent, the 11th Cir. Panel that issued the Hunstein decision affirmed the prior decision, holding "(1) that the violation of § 1692c(b) alleged in this case gives rise to a concrete injury in fact under Article III, and (2) that the debt collector’s transmittal of the consumer’s personal information to its dunning vendor constituted a communication “in connection… Read More

10th Cir. Says “Communication” under the FDCPA Conveys Information “Directly or Indirectly” — Unless, Debt Collector is Trying to Obtain Location Information and Follows section 1692b

by Scott J. Hyman |

In Scribner v. Works & Lentz, Inc., 2016 WL 3981435, at *1 (C.A.10 (Okla.), 2016), the Court of Appeals for the 10th Circuit resolved the FDCPA's statutory conflict prohibiting communications which directly or indirectly disclose the debt (15 USC 1692c(b) and permissible communications to obtain location information (15 USC 1692b) In Marx v. General Revenue Corp., 668 F.3d 1174, 1177-78… Read More

District Court (Mich.) Says Debtor Has Standing and Valid Claim to Sue for 200+ Collection Calls Placed to and Third Party Disclosure to Debtor’s Parents, But Could Not Prove “Intent” Necessary to Prove Harassment

by Scott J. Hyman |

In Litt v. Portfolio Recovery Associates LLC, 2015 WL 7351781, at *7-8 (E.D.Mich. 2015), Judge Borman found that the debtor had standing, and a valid claim, to sue for 200+ "wrong number" calls to the debtor's parents, even if most of them went unanswered.  The District Court found that the Plaintiff should be entitled to summary judgment on his claim for violation… Read More

3rd Circuit Says Debt Collector, Not Debtor, Bears the Burden of Proving That 3rd Party Communications Were to Confirm or Correct Location Information, and that Debt Collector Must Plead it as an Affirmative Defense

by Scott J. Hyman |

In Evankavitch v. Green Tree Servicing, LLC, 2015 WL 4174441 (3d Cir. 2015), the Court of Appeals for the Third Circuit found that a debt collector bears the burden of proving that its communications with third parties were permitted attempts to confirm or correct location information.    The 3rd Circuit stated that communications with third parties to obtain location information… Read More

District Court (Ill.) Certifies Class Action under FDCPA for Debt Collector Leaving “Door Hangers” at Debtors’ Addresses

by Scott J. Hyman |

In Simpson v. Safeguard Properties, LLC, 2014 WL 4652336 (N.D.Ill. 2014), Judge Gotschall certified the following class under the FDCPA: Beginning in October 2012 and ending in February 2013, at the instruction of Midland, representatives of Safeguard left door hangers on Simpson's door on an approximately monthly basis. ( Id. ¶¶ 18–23.) These door hangers all contained the same text. The front… Read More

4th Cir. Says Debt Collector Can Call 3rd Party More Than Once for Location Information, If it Acts Reasonably

by Scott J. Hyman |

In Worsham v. Accounts Receivable Management, Inc., 2012 WL 5503980 (4th Cir. 2012), the Fourth Circuit Court of Appeals found that a debt collection company could call a third party to obtain location information more than one time so long as its belief that the third party had information about the debtor was reasonable. Although third parties may understandably find… Read More

District Court (Mass.) Finds V/M Message Left at Debtor’s Former Telephone Number and Former Residence States a Claim under FDCPA

by Scott J. Hyman |

In Travers v. Collecto, Inc., 2013 WL 65452 (D.Mass. 2013), Judge O'Toole found that a voicemail message left for the debtor at a phone number/residence with which he was no longer associated stated a claim under the FDCPA. EOS does not challenge that the automated messages where communications about a debt made to a third party. Rather, EOS asks this Court to… Read More

District Court (Cal.) Finds Debt Collector Acted Properly in Interactions with Debtor’s Employer

by Scott J. Hyman |

In Ayala v. Creditors Specialty Service, Inc., 2012 WL 5198482 (E.D.Cal. 2012), Judge O’Neill found that, if true, a debt collector acted properly in its communications with the debtor’s employer. With regard to the merits of plaintiff's claims, she argues that she is entitled to summary judgment on her § 1692b(2) and Cal. Civ.Code § 1788.17 claims be-cause CSS disclosed… Read More

District Court (Cal.) Says in Dicta that Debt Collector Can’t Call Third Parties to Confirm or Correct Location Information if Debt Collector Already Knows Where the Debtor Is

by Scott J. Hyman |

In Quigley v. Verizon Wireless, 2012 WL 1945784 (N.D.Cal. 2012), Judge Chen allowed an FDCPA plaintiff leave to amend to allege a violation of 15 U.S.C. § 1692c where the debtor claimed that he could allege that the debt collector knew where he was before the debt collector started to call third parties. Section 1692c covers communications in con-nection with… Read More

District Court (Cal.) Concludes that Debt Collector’s Mistaken Belief that Communications was with Spouse (as opposed to girlfriend) Created Liability for Third Party Disclosure

by Scott J. Hyman |

In McEndree v. Rash Curtis & Associates, 2012 WL 1640465 (E.D.Cal. 2012), Judge England found that liability cascaded down through the Rosenthal Act and FDCPA when a debt collector communicated about the debt with a girlfriend whom the debt collector mistakenly believed was the debtor's spouse.  Judge England found liability for impermissibly violating the prohibition against discussing more than location information… Read More

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