Debt Collection
Insights and legal resources on debt collection from Midwest Consumer Law PLLC.
The Strict Liability Trap: Litigating Ignored 'Cease and Desist' Notices Under the FDCPA
How federal law lets consumers shut down debt collection communications by written notice, why collection agencies systematically fail to honor those notices, and what evidence makes a § 1692c(c) claim enforceable.
The Velocity Violation: Litigating Regulation F's '7-in-7' Call Restriction
How Regulation F's 7-in-7 rule supplements the FDCPA's harassment framework with a quantitative threshold, why automated collection systems routinely breach the rule, and what evidence proves a § 1006.14(b)(2) violation in federal court.
The Strict Liability of Debt Collection: Wrong Person, Wrong Amount
How the FDCPA treats wrong-amount and wrong-person violations, why a collector's intent often does not control the outcome, and the narrow bona fide error defense collection agencies raise in response.
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