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Federal Law News
Debt Collectors Agree To Settle With FTC
A debt collection agency that allegedly used lies and threats to collect debts has agreed to settle Federal Trade Commission charges that its tactics violated federal laws.Under the court settlement, the company agreed to a $150,000 judgment and to refrain from illegal practices when collecting debts, including “time-barred” debts – debts so old they are no longer legally enforceable.
The government’s complaint alleges that Whitewing Financial Group, Inc. bought and attempted to collect on very old debts, many of which were beyond statutory limitations and too old to appear on credit reports, and many of which had been discharged in bankruptcy. As required by law, Whitewing sent “validation notices” informing consumers of their right to dispute the alleged debts, but its statements in phone calls allegedly often contradicted those notices. The statements pressured consumers to make payments before they had received the validation notice, and confused them about their rights, including who had the burden of establishing the validity of the debt.Under the Fair Debt Collection Practices Act (FDCPA), if a consumer disputes all or part of a debt in writing within 30 days of receiving a validation notice, the debt collector must cease collection efforts until it has provided the consumer with written verification of the debt.
The complaint alleges that, because there is no legitimate method to enforce payment of time-barred debts, the defendants often misrepresented the status of the debts, leading people to believe that legal proceedings had begun, that lawsuits to collect debts were not time-barred, or that the defendants had documents showing that the debts were valid when, in fact, they did not.The complaint also alleges that the defendants misrepresented that if the consumer did not pay the debt, the defendants would take actions that they never intended to take, such as reporting the debts to credit bureaus or initiating legal proceedings. Read more at: www.ftc.gov
Definition:
A Latin term meaning "on one's own behalf"; in courts, it refers to persons who present their own cases without lawyers
Polled/polling
Definition:
Calling the names of the jurors and having them state what their final verdict is before it is recorded.
Foreperson
Definition:
The jury foreperson's duty is to supervise and see that discussion during deliberations is carried on in a free and orderly manner, that the case and issues are fully and freely discussed, and that every juror is given a chance to participate in the discussion.
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