The Purposes Behind the FDCPA

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David A. Szwak
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Joined: Tue Jul 26, 2005 4:15 am

The Purposes Behind the FDCPA

Post by David A. Szwak »

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
David A. Szwak
Bodenheimer, Jones & Szwak, LLC
416 Travis Street, Suite 1404, Mid South Tower
Shreveport, Louisiana 71101
318-424-1400 / Fax 221-6555
President, Bossier Little League
Chairman, Consumer Protection Section, Louisiana State Bar Association
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