Source: https://code.dccouncil.us/dc/council/code/sections/28-3814.html
Timestamp: 2020-06-03 10:50:20
Document Index: 561313332

Matched Legal Cases: ['§ 28', '§ 28', '§ 7', '§ 28', '§ 4', '§ 2', '§ 82', '§ 207', '§ 5']

D.C. Law Library - § 28–3814. Debt collection.
↪ § 28–3814. Debt collection.
[(1A)] "collection lawsuit" means any legal proceeding, including civil actions, statements of small claims, and supplementary process actions, commenced in any court for the purpose of collecting any debt or other past due balance owed or alleged to be owed.
([1B]) “creditor” means a claimant or other person holding a claim;
(1C) "debt" means money or its equivalent which is, or is alleged to be, more than 30 days past due and owing, unless a different period is agreed to by the debtor, under a single account as a result of a purchase, lease, or loan of goods, services, or real or personal property, for personal, family, or household purposes or as a result of a loan of money that was obtained for personal, family, or household purposes whether or not the obligation has been reduced to judgment.
(4) public health emergency" means a period of time for which the Mayor has declared a public health emergency pursuant to § 7-2304.01, or a state of emergency pursuant to § 28-4102.
(l)(1) Notwithstanding subsection (a) of this section, subsections (l) and (m) of this section shall apply to any debt, including but not limited to, loans directly secured on motor vehicles or direct motor vehicle installment loans covered by Chapter 36 of Title 28.
(C) Initiate, threaten to initiate, or act upon any statutory remedy for the repossession of any vehicle; except, that creditors or debt collectors may accept collateral that is voluntarily surrendered; or
(E) Visit or threaten to visit the place of employment of a debtor at any time ; or
(F) Confront or communicate in person with a debtor regarding the collection of a debt in any public place at any time.
(3) This subsection shall not apply to collecting or attempting to collect a debt that is, or is alleged to be, owed on a loan secured by a mortgage on real property.
(m)(1) During a public health emergency and for 60 days after its conclusion, no debt collector shall initiate any communication with any debtor via any written or electronic communication, including email, text message, or telephone. A debt collector shall not be deemed to have initiated a communication with a debtor if the communication by the debt collector is in response to a request made by the debtor for the communication or is the mailing of monthly statements related to an existing payment plan or payment receipts related to an existing payment plan.
(C) Collecting or attempting to collect a debt which is, or is alleged to be, owed on a loan secured by a mortgage on real property; or
(1) Exempt any person from complying with existing laws or rules of professional conduct with respect to debt-collection practices;
(2) Supersede or in any way limit the rights and protections available to consumers under applicable local, state, or federal foreclosure laws;
(Dec. 17, 1971, 85 Stat. 675, Pub. L. 92-200, § 4; Dec. 2, 2011, D.C. Law 19-59, § 2, 58 DCR 8973; Sept. 26, 2012, D.C. Law 19-171, § 82, 59 DCR 6190; Apr. 10, 2020, D.C. Act 23-286, § 207, 0 DCR 0; May 4, 2020, D.C. Act 23-299, § 5, 0 DCR 0.)