Policy Library

FDCPA 1692e and 1692f - Itemization of "current" total balance and $0.00 interest balance on debt that does not carry contract interest ("static debt") does not violate FDCPA, and requiring debt collectors to make statements about the future would create FDCPA problems.

FDCPA: 1692e(2)(A) does not prohibit reporting serial transactional debts to credit bureau as separate debts.

FDCPA: Bona Fide Error; Agency responsibility for verifying accuracy of debt before sending initial dunning letter