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CEB Prac. Guide § 2A.37 -- Communications with the Debtor -- Validation of the Debt -- Required Notices from the Debt Collector -- Federal

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In Lenzini v. DCM Servs., LLC, No. 4:20-cv-07612-YGR, 2021 U.S. Dist. LEXIS 100007 (N.D. Cal. May 26, 2021), Judge Gonzalez Rogers dismissed an FDCPA claim. Notwithstanding the foregoing, Lenzini avers that the letter fails to satisfy the FDCPA where the letter (1) does not specifically use any modifying language to denote that Capitol One is the current creditor, and (2)… Read More

In Henson v. Nationwide Credit, No. CV 20-11402 PA (MRWx), 2021 U.S. Dist. LEXIS 68689 (C.D. Cal. Apr. 7, 2021), Judge Anderson dismissed an FDCPA case challenging a debt collector’s disclosures in its validation letter. In determining whether conduct violates [the FDCPA, courts within the Ninth Circuit] undertake objective analysis of the question whether the 'least sophisticated debtor would likely… Read More

In Greene v. TrueAccord, Case 3:19-cv-06651-EMC (N.D. Cal. 2020), here, Judge Chen dismissed an FDCPA case premised on the Plaintiff's claim that the defendant could not e-mail the FDCPA's validation notice. Ms. Greene contends that TA violated the FDCPA by sending her the validation notice by email – as part of the initial communication – without complying first with the… Read More

In McCray v. Deitsch & Wright, No. 8:18-cv-731-EAK-SPF, 2019 U.S. Dist. LEXIS 23516 (M.D. Fla. Feb. 11, 2019), Judge Kovachevisch found that a 30-day validation letter overshadowed the debtor’s validation rights by including language stating that “Be advised if we do not receive payment promptly we will be forced to take additional action to recover the subject amounts.” After a… Read More

In Deleon v. Action Collection Agency of Boston, 2018 WL 2089343 (S.D.N.Y., 2018), Judge Abrams found that a debt collector’s dunning letter identified the creditor properly when it used the creditor’s acronym. The fact that the Letter identifies the creditor by an acronym does not alter this conclusion. To comply with the FDCPA, “a creditor may use the name under… Read More

In Roth v. Solomon & Solomon, P.C., 2018 WL 718402, at *4–6 (E.D.N.Y., 2018), Judge Seybert denied a debt collector's motion to dismiss an FDCPA class action.  First, Judge Seybert held that the Plaintiff's bankruptcy did not deprive her of standing to sue. Here, after receiving the Letter, Plaintiff filed for bankruptcy but did not initially disclose her FDCPA claim… Read More

In Huffington v. Gordon, Aylworth & Tami, P.C., 2017 WL 6626317, at *4 (D.Or., 2017), Judge Acosta granted summary judgment to a debt collection law firm who had changed its name during the course of collecting on a particular debt. Viewing the instant facts through the eyes of the least sophisticated debtor, Heffington's argument here fails for three reasons. First, with… Read More

In Marquez v. Weinstein, Pinson & Riley, P.S., 2016 WL 4651403, at *4 (7th Cir. 2016), the Court of Appeals for the Seventh Circuit found a debt collection law firm's complaint deceptive. Paragraph 12 is misleading to the unsophisticated consumer both as to the proper timing to respond to the complaint and as to the manner of response. A plain reading… Read More

In Davis v. Hollins Law, 2016 WL 4174747, at *4–5 (9th Cir. 2016), the Court of Appeals for the Ninth Circuit held that a debt collector's identification of itself in a  voicemail message complied with the FDCPA because a least sophisticated debtor would have known who the call was from in light of prior settlement discussions between the debtor and… Read More

In Chiba v. Bayview Loan Servicing, Inc., 2016 WL 2593979, at *3-4 (S.D.Cal., 2016), Judge Benitez granted summary judgment to a debt collector on the FDCPA Plaintiff's claim of improper debt validation. Plaintiff argues that she disputed the debt and requested validation from Bayview as early as November 14, 2012, yet she never received validation. She argues that because Bayview sent… Read More

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