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CEB Prac. Guide § 2A.43 -- Communications with the Debtor -- Validation of the Debt -- Validation Required in Response to Consumer

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Governor Gavin Newson approved SB 531 on October 4, 2021. The bill sponsored by Senator Bob Wieckowski (D-Fremont) allows consumers to request verification that debt collectors collecting on delinquent debts have the authority to collect a debt and also prohibits a debt collector from making any written statements to a debtor in an attempt to collect a debt unless the… Read More

In Kozlowski v. Bank of America, 2018 WL 2096381 (E.D.Cal.), 4 (E.D.Cal., 2018), the District Court found that the Plaintiff failed to allege an FCRA claim against a furnished. Plaintiff fails, however, to adequately allege the second and third elements of a claim under § 1681s-2(b). Plaintiff does not allege in her complaint that a consumer reporting agency notified the furnisher—here, BANA—of… 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

In Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, --- F.3d ----, 2014 WL 3440174 (6th Cir. 2014), the Court of Appeals for the 6th Circuit purported to set a “baseline” of what the FDCPA requires as far as debt validation in response to a consumer dispute, but said that what validation is required depends on the circumstances. These cases… Read More

In Coats v. Mandarich Law Group, LLP, 2014 WL 545432 (E.D.Cal. 2014), Magistrate Brennan dismissed an FDCPA Plaintiff’s claim that the debt collector failed to properly validate the debt, finding that the information that the debt collector provided to the debtor was sufficient under the FDCPA. Plaintiff alleges that defendants failed to cease collection efforts upon plaintiff disputing the alleged… Read More

In Himes v. Client Services Inc., --- F.Supp.2d ----, 2014 WL 24258 (D.N.H. 2014), Judge Barbadoro rejected the contention that the FDCPA requires production of sworn account ledgers during the validation process. Finally, Himes alleges under § 1692g(b) that Schiff's method of validation is insufficient because the defendants never produced a sworn accounting ledger, affidavit, or signed loan agreement to prove… Read More

In Smith v. Hunt & Henriques, 2013 WL 6141416 (N.D.Cal. 2013), Judge Lloyd granted summary judgment to a debt collection law firm who properly validated a debt following a debtor’s demand for validation. H & H says that it is a law firm that collects outstanding financial obligations referred to it by its clients. (Dkt. 48–1, Hunt Decl. ¶ 2).… Read More

In Kayan v. Asset Acceptance, LLC, 2013 WL 1010554 (C.D.Cal. 2013), Judge Bernal found no failure to validate under the FDCPA when the Plaintiff failed to dispute the claim within the statutory 30-days. The uncontroverted evidence is that Palisades sent Plaintiff an initial demand letter on April 8, 2010. (Braun Decl., ¶ 5). Palisades did not receive any response to… Read More

In Katzakian v. Collectibles Management Resources, 2013 WL 57712 (E.D.Cal. 2013), Judge O'Neill found that an FDCPA Plaintiff failed to state a claim for harassment under 1692d for continuing to collect after a dispute when the debt collector complied with post-dispute debt validation under 1692g. CMR summarizes that section 1692g(b) authorizes continued debt collection unless a consumer disputes in writing during the… Read More

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