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Pitfalls in Collection Letters Under the Fair Debt ...(在收集信件公平债务陷阱)
Pitfalls in Collection Letters Under the
Fair Debt Collection Practices Act and
1
Ohio Consumer Sales Practices Act
Elizabeth M. Shaffer
Elizabeth M. Shaffer is an Associate with Dinsmore Shohl, LLP, 255 East Fifth Street, Suite 1900, Cincinnati,
Ohio 45202. Ms. Shaffer may be contacted at (513) 977-8128 or by e-mail at elizabeth.shaffer@.
______________________________________________________________________________
I. OVERVIEW OF THE FAIR DEBT COLLECTION PRACTICES ACT
A. What Is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is found in 15 U.S.C. § 1692 et seq.
“The Fair Debt Collection Practices Act ... provides a remedy for consumers who have been
subjected to abusive, deceptive, or unfair debt collection practices by debt collectors.” Nicholas
v. CMRE Financial Services, Inc., No. 08-4857, 2009 WL 1652275, at *2 (D. N.J. June 11,
2009) (quoting Pollice v. National Tax Funding, L.P., 225 F.3d 379, 400 (3d Cir. 2000)).
B. What Is the Purpose of the FDCPA?
The FDCPA is “a statute designed to curb aggressive debt-collection practices.” Taylor
v. Cavalry Investment, LLC, 365 F.3d 572, 574 (7th Cir. 2004). Furthermore, it has been held
that “[t]he FDCPA is designed to protect against abusive debt collection practices which would
likely disrupt a debtor’s life.” Retrieval Masters Creditors Bureau, Inc., 211 F.3d 1057, 1059
(7th Cir. 2000); see also 15 U.S.C. §§ 1692(e) (stating that the purpose of the FDCPA is to
eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors
who refrain from using abusive debt collection practices
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