violated the FDCPA by attempting to collect a debt directly from the authorized user of a credit card even though the authorized user was not financially responsible for the debt. The practice of soliciting payment from a non-obligated user in a manner that implies that the authorized user is personally responsible for the debt constitutes a deceptive means to collect a debt in violation of the FDCPA
UNWANTED CALLS AND LEGAL CLAIMS
A consumer may receive a number of unwanted calls. However, if those calls were made to collect a debt, the remedy is under the Fair Debt Collection Practices Act, not the Do Not Call List law. The Do Not Call List law excludes calls to collect a debt from its coverage. The Fair Debt... Continue Reading →