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The Top 4 Defenses for Stopping a Debt Collection Lawsuit

There are many defenses that can be raised to a debt collection lawsuit, but there are four top defenses that are used by consumers when sued by a collector sues you. This post describes those defenses. If you have been sued by a debt collector for...

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...