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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