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About conrruption

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  1. I don't understand how a consumer protection attorney hasn't argued how the term "any" is used specifically throughout 1692a. "any medium", "any natural person", "creditor" means any person who offers or extends credit creating a debt", "The term "debt" means any obligation or alleged obligation", Etc. 1692a is very specific. "Any" means "any" as its use shows. Any won't mean something different in the next sentence and even if it did the way it is extensively used it wouldn't change.
  2. But it states The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium. "I don't understand how any person could mean not everyone (I take it as the consumer, CRA and DC) and how any medium could not mean any medium.
  3. I understand what the court says but that means they are redefining what 803 means. Have to go with that. Thank you.
  4. Thanks for the answer. I find it strange that things need to be in black and white and when it is it might matter.
  5. Hey, I remembered this about Portfolio as well. This is how much they don't care. This is a must-read.
  6. Hi, The best advice is to take this on an individual basis. When you come across a collector google them. Research them! If they are contacting you or a client they know about you. BBB, Ripoff Report, or put their name in a google search like, "Portfolio Recovery Associates review." That was just an example of an aggressive company. They will sue for little. They are publicly traded on the NASDAQ as PRAA meaning shareholders are involved. Plus, study what they send you and don't offer any more info than they have given you. Meaning no SS or signing your letters. They should have that if they know about you or even have a contract. Google can be your best friend but it can also be a data minefield.
  7. Hi all, When a debt collector dings a person's CR is it considered the first communication if they have not contacted in any other way? I ask this because in definitions 15 USC 1692a § 803. Definitions (2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium. Also: “Is a communication between a debt collector and a credit reporting agency a communication “in connection with the collection of any debt” for purposes of the FDCPA? The Eighth Circuit explained that a communication between a debt collector and a consumer reporting agency certainly could be “in connection” with debt collection in certain cases.” This was about defining communication (the article is not about what I speak of but refers to communication between a CRA and a DC) and the person lost. But it sets a precedent for communication. Thoughts?