Collector - October 2016 - 42

IAP ACA's Industry Advancement Program Aids Eleventh Circuit Win for Member Company The court of appeals affirmed the district court's decision, holding that a debt is not covered by the FDCPA if it doesn't arise out of a consensual consumer transaction. By Karen Scheibe Eliason O n July 28, 2016, the Eleventh Circuit Court of Appeals ruled 3-0 in favor of the credit and collection industry in the case of Parham v. Seattle Service Bureau, Inc., No. 16-11164, 2016 WL 4039665 (11th Cir. July 28, 2016). ACA International assisted in successfully defeating the plaintiff 's appeal in Parham by filing an amicus brief supporting its member's defense. The issue on appeal was whether a claim by a debt collector against an individual 42 for an obligation that the individual denies (or characterizes as "nonexistent") qualifies as a consumer debt under the Fair Debt Collection Practices Act, even if the obligation does not otherwise satisfy the statutory definition that it arise out of a consensual consumer transaction. In Parham, the Eleventh Circuit Court of Appeals affirmed the district court's decision that the plaintiff 's complaint failed to state a claim under either the FDCPA or the Florida Consumer Collection Practices Act because the alleged debt the collection agency sought to collect did not arise from a consensual "consumer" transaction but, instead, arose from the negligent conduct of the plaintiff 's sister in an automobile accident.  In doing so, the appellate court ruled that the FDCPA and FCCPA have limited application to consumer debts and, therefore, do not apply to debt collectors seeking to collect alleged tort debts. The Eleventh Circuit explained that while Congress or the ACAINTERNATIONAL.ORG http://www.ACAINTERNATIONAL.ORG

Table of Contents for the Digital Edition of Collector - October 2016

President’s Page
Industry News
Best Practices
FYI
Collection Tips
Connect the Dots
Looking Deeper
Head of the Class
Calendar
Honor Roll
The Formula of Five
How to Create Winning Bids and Proposals
A Running Start
ACPAC Election Watch
ACA’s Industry Advancement Program Aids Eleventh Circuit Win for Member Company
Compliance
ACA SearchPoint
Last Word
Collector - October 2016 - Cover1
Collector - October 2016 - Cover2
Collector - October 2016 - 1
Collector - October 2016 - 2
Collector - October 2016 - President’s Page
Collector - October 2016 - Industry News
Collector - October 2016 - 5
Collector - October 2016 - 6
Collector - October 2016 - 7
Collector - October 2016 - Best Practices
Collector - October 2016 - 9
Collector - October 2016 - FYI
Collector - October 2016 - 11
Collector - October 2016 - Collection Tips
Collector - October 2016 - 13
Collector - October 2016 - Connect the Dots
Collector - October 2016 - 15
Collector - October 2016 - 16
Collector - October 2016 - 17
Collector - October 2016 - 18
Collector - October 2016 - 19
Collector - October 2016 - Looking Deeper
Collector - October 2016 - 21
Collector - October 2016 - 22
Collector - October 2016 - 23
Collector - October 2016 - Head of the Class
Collector - October 2016 - 25
Collector - October 2016 - 26
Collector - October 2016 - 27
Collector - October 2016 - Calendar
Collector - October 2016 - Honor Roll
Collector - October 2016 - The Formula of Five
Collector - October 2016 - 31
Collector - October 2016 - How to Create Winning Bids and Proposals
Collector - October 2016 - 33
Collector - October 2016 - 34
Collector - October 2016 - 35
Collector - October 2016 - A Running Start
Collector - October 2016 - 37
Collector - October 2016 - 38
Collector - October 2016 - 39
Collector - October 2016 - ACPAC Election Watch
Collector - October 2016 - 41
Collector - October 2016 - ACA’s Industry Advancement Program Aids Eleventh Circuit Win for Member Company
Collector - October 2016 - 43
Collector - October 2016 - Compliance
Collector - October 2016 - 45
Collector - October 2016 - ACA SearchPoint
Collector - October 2016 - 47
Collector - October 2016 - Last Word
Collector - October 2016 - Cover3
Collector - October 2016 - Cover4
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