Lady060511 Posted February 1, 2017 Report Share Posted February 1, 2017 Hi, I'm looking for insight on whether folk think the attached letter from a debt collection lawfrm is in violation of PA's Fair Credit Extension Uniformity Act. Thank you! Quote Link to comment Share on other sites More sharing options...
Clydesmom Posted February 1, 2017 Report Share Posted February 1, 2017 1 hour ago, Lady060511 said: Hi, I'm looking for insight on whether folk think the attached letter from a debt collection lawfrm is in violation of PA's Fair Credit Extension Uniformity Act. Thank you! What violation do you think it is? I read the act and it simply mirrors the FDCPA which requires that statement be included on all debt collection letters. Quote Link to comment Share on other sites More sharing options...
Lady060511 Posted February 1, 2017 Author Report Share Posted February 1, 2017 2 hours ago, Clydesmom said: What violation do you think it is? I read the act and it simply mirrors the FDCPA which requires that statement be included on all debt collection letters. I think it's falsely representing the legal process by saying that if I don't get back to them within 30 days that they will mail me a judgement. If I didn't know better, I would think that I had lost by not getting back to them within that timeframe. And that I should be expecting a judgement. Thoughts? Quote Link to comment Share on other sites More sharing options...
BV80 Posted February 1, 2017 Report Share Posted February 1, 2017 1 minute ago, Lady060511 said: I think it's falsely representing the legal process by saying that if I don't get back to them within 30 days that they will mail me a judgement. If I didn't know better, I would think that I had lost by not getting back to them within that timeframe. And that I should be expecting a judgement. Thoughts? You're misreading the notification. It states that if you DO dispute the debt within 30 days, they will send verification OR a copy of a judgment. In other words, if there's a judgment, they'll send you a copy. They're not saying there is a judgment. BTW, that notification is exactly what is stated in the FDCPA and has been upheld as valid by the courts. Quote Link to comment Share on other sites More sharing options...
Lady060511 Posted February 1, 2017 Author Report Share Posted February 1, 2017 Darn, and thank you! I think the FDCPA language can be improved upon. Lol Quote Link to comment Share on other sites More sharing options...
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