The Purposes Behind the FDCPA

David A. Szwak

The Purposes Behind the FDCPA

Postby David A. Szwak » Sat Jan 14, 2006 9:56 pm

Congress enacted the FDCPA to eliminate abusive debt collection practices. 15 U.S.C. § 1692(e). A court must evaluate alleged violations of the FDCPA from the perspective of a "least sophisticated consumer." Graziano v. Harrison, 950 F.2d 107, 111 (3d Cir.1991); Russell v. Equifax A.R.S., 74 F.3d 30, 34 (2d Cir.1996). The FDCPA prohibits debt collectors from, among other things, falsely representing the "character, amount, or legal status of any debt." 15 U.S.C. § 1692e(2)(A); accord Heintz v. Jenkins, 514 U.S. 291, 292, 115 S.Ct. 1489, 131 L.Ed.2d 395 (1995). A threat to sue a consumer on a claim that the debt collector knows is barred by the statute of limitations violates section 1692e(2)(A) of the FDCPA. Kimber v. Federal Fin. Corp., 668 F.Supp. 1480, 1489 (D.Ala.1987). The FDCPA also bars the use of any false representation or deceptive means to collect a debt or to obtain information about a consumer. 15 U.S.C. § 1692e(10).

Aronson v. Commercial Financial Services, Inc.
Not Reported in F.Supp., 1997 WL 1038818
Dec 22, 1997

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