Fair Debt Collection Practices Act Tag

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Mr. Cooper Mortgage Collection Letters Violate FDCPA, Says Judge

Mr. Cooper Mortgage Collection Letters Violate FDCPA, Says Judge

A recent federal court decision in a lawsuit against Seterus (now known as Mr. Cooper) reveals interesting details about the mortgage foreclosure, servicing, and other collection procedures used in the course of the mortgage business. The class-action lawsuit was filed alleging that Seterus/Mr. Cooper violated the...

FDCPA debt Massachusetts

Court Limits Application of FDCPA Validation Provisions

Under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, debt collectors are required to provide verification (also sometimes called validation) of a debt being collected if a consumer sends a written dispute. A recent federal court case explains the potential limits of this...

Banks not Debt Collector under FDCPA

Bank Not a Debt Collector Under the FDCPA, Says Supreme Court

The Supreme Court has issued a long-awaited opinion addressing what type of company qualifies as a “debt collector” under the Fair Debt Collection Practices Act (FDCPA). The high court held that a bank who collects debts that it owns, even though the bank purchased the...

debt collector harassment

What Should You Do if You Are Being Harassed By a Debt Collector?

Make no mistake – it is illegal for a debt collector to harass you. It violates the federal Fair Debt Collection Practices Act, as well as the Massachusetts Consumer Protection Act. But what constitutes “harassment”? And how do you prove that a debt collector has been...