Source: http://stopforeclosurefraud.com/tag/fair-debt-collection-practices-act/
Timestamp: 2019-04-25 00:12:00+00:00

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Tag Archive | "fair debt collection practices act"
Debtor’s prison 2.0: Jail for delinquent homeowners?
Readers of Victorian novels know what debtor’s prison is–a scabrous place where distressed maidens, handsome heroes and pitiable children who owe as little as 60 cents are locked up until their debts are paid. The U.S. abolished federal imprisonment for unpaid debts in 1833, and today, most of us are pretty sure that we can’t be sent to the pokey for blowing off a creditor.
Sidney R. Thomas and William A. Fletcher, Circuit Judges.
have jurisdiction pursuant to 28 U.S.C. § 1291 and we affirm.
NY CLASS ACTION | MENASHE v. STEVEN J. BAUM, P.C.
Posted on 16 November 2010. Tags: bank class actions, class action, CLASS ACTION | MENASHE v. STEVEN J. BAUM, fair debt collection practices act, fdcpa, foreclosure fraud, foreclosure mill, new york, P.C., Randall S. Newman, settlement fees, Steven J. Baum p.c.
Tear Down these Foreclosure Mill WALLS…SUPREME COURT!!
SPECIAL THANK YOU…to Matt Weidner’s Blog “this man is a saint to many”.
While we were busy railing away in front of the Florida Supreme Court yesterday…THE SUPREME COURT….the US SUPREME COURT issued a massive ruling that will send shock waves through all foreclosure mills. This April 21, 2010 decision found that foreclosure mill law firms are subject to the Fair Debt Collection Practices Act. The full decision is found here. The mills can ignore the itty bitty ‘ole Florida Supreme Court, but what about the “Real” Supreme Court?
JERMAN v. CARLISLE, MCNELLIE, RINI, KRAMER & ULRICH LPA ET AL.
The Fair Debt Collection Practices Act (FDCPA), 15 U. S. C. §1692 et seq., imposes civil liability on “debt collector[s]” for certain prohibited debt collection practices. A debt collector who “fails to comply with any [FDCPA] provision . . . with respect to any person is liable to such person” for “actual damage[s],” costs, “a reasonable attorney’s fee as determined by the court,” and statutory “additional damages.” §1692k(a). In addition, violations of the FDCPA are deemed unfair or deceptive acts or practices under the Federal Trade Commission Act (FTC Act), §41 et seq., which is enforced by the Federal Trade Commission (FTC). See §1692l. A debt collector who acts with “actual knowledge or knowledge fairly implied on the basis of objective circumstances that such act is [prohibited under the FDCPA]” is subject to civil penalties enforced by the FTC. §§45(m)(1)(A), (C). A debt collector is not liable in any action brought under the FDCPA, however, if it “shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.” §1692k(c).
Held: The bona fide error defense in §1692k(c) does not apply to a violation resulting from a debt collector’s mistaken interpretation of the legal requirements of the FDCPA. Pp. 6–30. a) A violation resulting from a debt collector’s misinterpretation of the legal requirements of the FDCPA cannot be “not intentional” under §1692k(c). It is a common maxim that “ignorance of the law will not excuse any person, either civilly or criminally.” Barlow v. United States, 7 Pet. 404, 411. When Congress has intended to provide a mistake-of-law defense to civil liability, it has often done so more explicitly than here. In particular, the administrative-penalty provisions of the FTC Act, which are expressly incorporated into the FDCPA, apply only when a debt collector acts with “actual knowledge or knowledge fairly implied on the basis of objective circumstances” that the FDCPA prohibited its action. §§45(m)(1)(A), (C). Given the absence of similar language in §1692k(c), it is fair to infer that Con gress permitted injured consumers to recover damages for “intentional” conduct, including violations resulting from a mistaken interpretation of the FDCPA, while reserving the more onerous administrative penalties for debt collectors whose intentional actions.

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