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The Telephone Consumer Protection Act: What Does it Apply To?

Adam J Krohn / Posted: 2014-07-22 2:17 pm

In 1991 Congress enacted the Telephone Consumer Protection Act (TCPA) to help prevent telemarketers from placing annoying telemarketing calls to consumers. Once this act passed, the Federal Communications Commission (FCC) was granted the authority to create and implement the regulations that pertain to the TCPA.

TCPA Exception Made for Certain Health Care Related Calls Covered by HIPPA

Adam J Krohn / Posted: 2014-05-29 2:00 pm
Under the Telephone Consumer Protection Act (TCPA), certain types of calls are exempt from the Do Not Call provisions. Consumers who have placed their numbers on the Do Not Call Registry can still receive calls from:

Are Creditors Calling you at Work?: If you Tell the Creditor not to They are Violating the Law

Adam J Krohn / Posted: 2014-02-26 11:42 am
Federal law has ways of protecting consumers from dealing with telephone calls at work from creditors and debt collectors. This right to not receive debt collection calls at work can be exercised in two different ways, depending on who is calling the consumer.

Have you Received Phone Calls from People Attempting to Collect on Loans that Do Not Exist?

Adam J Krohn / Posted: 2014-02-20 11:38 am
Many consumers have reported receiving telephone calls from “debt collectors” attempting to collect on loans that were never received by the consumer or on loans that were received but the amount was not owed. In other cases, consumers have been receiving calls from people who are seeking to recover on loans that the consumer did receive but the creditor never authorized the calls. Consumers who are receiving such calls, be aware, these “debt collectors” may actually be scam artists.

The Consumer Financial Protection Bureau Wants to Hear from Consumers about their Bad Experiences with Debt Collectors

Adam J Krohn / Posted: 2013-11-18 11:13 am
Many people have bad experiences with debt collectors and the Consumer Financial Protection Bureau (CFPB) wants to hear about them. They are preparing to update the rules that govern how debt collectors communicate with borrowers and they are seeking information from both debt collection companies and consumer advocates to help them prepare the new rules. Their goal is to better protect consumers while not limiting legitimate debt collection activities.

Advice on Proper Collection and the Use of Mobile Phone Numbers Given by Federal Agencies

Adam J Krohn / Posted: 2013-10-08 1:49 pm
On September 25, 2013 the Federal Trade Commission (FTC) settled its first case that involved text messages under the Fair Debt Collection Practices Act.

Defendants Will Pay $1 Million to Settle the First Case Brought by the FTC that Alleges Text Messages Were Used in an Illegal Debt Collection Scheme

Adam J Krohn / Posted: 2013-10-04 10:53 am
In the first Federal Trade Commission (FTC) action against a debt collector who used text messaging in their efforts to collect debts in an unlawful manner, the California based collector will pay $1 million to settle the charges that they violated federal law.

Collecting the Debts of the Deceased

Adam J Krohn / Posted: 2013-06-26 1:33 pm
The death of a loved one is a very difficult time for family members. So when debt collectors attempt to collect on a deceased person’s debt from family members, it can be very stressful and downright agitating. Family members typically do not have an obligation to pay the debts of the deceased from their own assets.

When Debt Collectors Call the Wrong Person

Adam J Krohn / Posted: 2013-05-09 12:30 pm
It is common for debt collectors to call the wrong person. This occurs often when you have the same name as a debtor or you have recently changed your phone number to a number that a debtor previously had. Sometimes the number’s previous owner did not give the debt collectors their new contact information. They may have even changed their phone number in order to avoid calls from debt collectors. However, you should not be harassed by debt collectors for a debt that is not yours.

FTC Vigorously Enforces the FDCPA against Debt Collectors

Adam J Krohn / Posted: 2013-03-25 12:00 am
The Federalfdcpa Trade Commission (“FTC”) works to help consumers prevent fraudulent, deceptive, and unfair business practices by arming consumers with information so they can spot, stop and avoid such unethical practices.

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