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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Ask me about dealing with/suing/being sued by debt collectors!
 
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Sundae
Dec 1, 2005
 Not that it’s UK relevant, but didn’t we have a ruling or law passed in the USA that said the fdcpa only applies to first-party collectors and that third party collectors could still be shitheads? I could’ve sworn I saw something a few years ago that basically invalidated this thread for US goons.


E: Perez v. McCreary, Veselka, Bragg & Allen, P.C., --- F.4th ---, No. 21-50958, 2022 WL 3355249, at *1 (5th Cir. Aug. 15, 2022)

5th Circuit ruled that, in accordance with SCOTUS TransUnion ruling, you have to have damage in fact and not damage via statutory violation to make a claim. Basically, a debt collector breaking the law doesn’t matter unless it causes harm to you in a measurable way. I had the context a little screwed up unless there was another I’m remembering too. 2022 feels too recent to be what I’m remembering.

Sundae fucked around with this message at 10:30 on Nov 21, 2023

* # ¿ Nov 21, 2023 10:17
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# ¿ May 21, 2024 02:14
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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Ask me about dealing with/suing/being sued by debt collectors!