Collector - July 2018 - 27

In our agency we use language similar to
that suggested in Miller, which references
additional charges and suggests consumers
call to verify the balance at time of payment.
Consider the opposite side of the safe
harbor language for a minute. Do we then
have an obligation to include language that
the balance will not increase if no interest is
charged; or do we have an obligation to not
include such language?
The Seventh Circuit's decision in Boucher
v. Fin. Sys. Of Green Bay, Inc. may suggest
just that. In this case the consumer received
a collection letter for a medical debt that
included the safe harbor language from
Miller. This debt did not have any interest

accruing. The court reasoned that the debt
collector in this case did not qualify for the
immunity the safe harbor language usually
provided, "because [the debt collector] could
not lawfully impose 'late charges and other
charges.' Therefore, [the debt collector] is not
entitled to safe harbor protection."
If our notice includes language such
as that listed earlier and the debt is not
incurring interest or other fees, it may be
false, misleading or deceptive as it could
imply an outcome that isn't possible-the
amount of the debt growing due to interest
and fees. In light of the Seventh Circuit's
decision, we must evaluate the debt we
are collecting, making sure disclaimer

language makes sense in order to avoid
possible liability.

1099C DISCLOSURES
Creditors and debt purchasers may
be required to file Form 1099c when
discharging or settling more than $600
if certain triggering events occur. ACA
International's SearchPoint™ document
#2324 notes that "while collection
agencies are not required to file Form
1099c, their clients may contract with
them to file or maintain the information
necessary to file the form."
There was a time in our industry when
clients routinely required us to notify

Mark Your
Calendar
for Fall!
ACA INTERNATIONAL

FALL FORUM & EXPO

2018
COLLECTOR 07.18

CHICAGO

NOV 7-9
THE DRAKE

27



Table of Contents for the Digital Edition of Collector - July 2018

Upfront
Industry News
Best Practices
FYI
Collection Tips
Navigating Uncharted Territory
Making Sense Out of Collection Notice Requirements
Do You Need to Contact Creditors to Verify a Debt?
Calendar
Honor Roll
Getting on the Right Path
A Better Framework
ACA Members Contribute to Successful Collectors Challenge Month
The ACA Int’l v. FCC Decision: What Does It Mean For Your Business?
Connecting with Legislators at ACA’s Washington Insights Conference
Second Circuit Rules for Accounts Receivable Management Industry in Case Supported by ACA’s Industry Advancement Program
Compliance
ACA SearchPoint
Ad Index
Last Word
Collector - July 2018 - Cover1
Collector - July 2018 - Cover2
Collector - July 2018 - 1
Collector - July 2018 - 2
Collector - July 2018 - 3
Collector - July 2018 - Upfront
Collector - July 2018 - 5
Collector - July 2018 - Industry News
Collector - July 2018 - 7
Collector - July 2018 - 8
Collector - July 2018 - 9
Collector - July 2018 - Best Practices
Collector - July 2018 - 11
Collector - July 2018 - FYI
Collector - July 2018 - 13
Collector - July 2018 - Collection Tips
Collector - July 2018 - 15
Collector - July 2018 - Navigating Uncharted Territory
Collector - July 2018 - 17
Collector - July 2018 - 18
Collector - July 2018 - 19
Collector - July 2018 - 20
Collector - July 2018 - 21
Collector - July 2018 - 22
Collector - July 2018 - 23
Collector - July 2018 - Making Sense Out of Collection Notice Requirements
Collector - July 2018 - 25
Collector - July 2018 - 26
Collector - July 2018 - 27
Collector - July 2018 - 28
Collector - July 2018 - 29
Collector - July 2018 - Do You Need to Contact Creditors to Verify a Debt?
Collector - July 2018 - 31
Collector - July 2018 - 32
Collector - July 2018 - 33
Collector - July 2018 - 34
Collector - July 2018 - 35
Collector - July 2018 - Calendar
Collector - July 2018 - Honor Roll
Collector - July 2018 - Getting on the Right Path
Collector - July 2018 - 39
Collector - July 2018 - A Better Framework
Collector - July 2018 - 41
Collector - July 2018 - ACA Members Contribute to Successful Collectors Challenge Month
Collector - July 2018 - 43
Collector - July 2018 - 44
Collector - July 2018 - 45
Collector - July 2018 - The ACA Int’l v. FCC Decision: What Does It Mean For Your Business?
Collector - July 2018 - 47
Collector - July 2018 - Connecting with Legislators at ACA’s Washington Insights Conference
Collector - July 2018 - 49
Collector - July 2018 - Second Circuit Rules for Accounts Receivable Management Industry in Case Supported by ACA’s Industry Advancement Program
Collector - July 2018 - 51
Collector - July 2018 - Compliance
Collector - July 2018 - 53
Collector - July 2018 - ACA SearchPoint
Collector - July 2018 - Ad Index
Collector - July 2018 - Last Word
Collector - July 2018 - Cover3
Collector - July 2018 - Cover4
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