Collector – May 2019 - 50

IAP

ACA's Industry Advancement Program Helps Member
Score Another Judicial Victory for Industry
A federal district court in Florida ruled that no "magic words" are required to clearly identify the name of
the creditor in compliance with the FDCPA.
By Karen Scheibe Eliason

T

he U.S. District Court for the
Middle District of Florida ruled
in favor of the accounts receivable
management industry in the case of
Encarnacion v. Financial Corporation
of America, 17-566, 2019 WL 932263
(M.D. Fla. Feb. 26, 2019). The key issue in
Encarnacion was whether the collection
agency complied with the requirements
of Section 1692g(a)(2) of the Fair Debt
Collection Practices Act to identify the
name of the creditor on whose behalf it
was collecting when it sent the consumer
a collection letter. The agency used the
phrase "RE: [Facility Name]" but did not
follow the phrase with the words "Current
Creditor" and did not state that the account
was "placed with" the collection agency

50

for collection. The federal district court in
Florida held that the collection agency's
letter adequately identified the creditor to
the extent required by the FDCPA.
In Encarnacion, the consumer filed a class
action against the collection agency asserting
that the collection agency violated the
FDCPA by seeking to collect a debt allegedly
without clearly and concisely identifying the
current creditor.
The collection agency's letter stated, in
relevant part:
ACCOUNT IDENTIFICATION
Re: Lehigh Regional Medical Center
Account Number: 7490000003948
Patient Name: Omar Encarnacion
Date of Service: 11-07-16
Balance Due: $53.27

ACAINTERNATIONAL.ORG


http://www.ACAINTERNATIONAL.ORG

Collector – May 2019

Table of Contents for the Digital Edition of Collector – May 2019

Upfront
Industry News
Best Practices
FYI
Collection Tips
The Robot Revolution
ACA International’s 2019 Convention & Expo
Number Crunching
Calendar
Honor Roll
Education Spotlight
Regulators Should Be In The Business Of Helping The Regulated Comply
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – May 2019 - Cover1
Collector – May 2019 - Cover2
Collector – May 2019 - 1
Collector – May 2019 - 2
Collector – May 2019 - 3
Collector – May 2019 - Upfront
Collector – May 2019 - 5
Collector – May 2019 - Industry News
Collector – May 2019 - 7
Collector – May 2019 - 8
Collector – May 2019 - 9
Collector – May 2019 - 10
Collector – May 2019 - 11
Collector – May 2019 - Best Practices
Collector – May 2019 - 13
Collector – May 2019 - FYI
Collector – May 2019 - 15
Collector – May 2019 - Collection Tips
Collector – May 2019 - 17
Collector – May 2019 - The Robot Revolution
Collector – May 2019 - 19
Collector – May 2019 - 20
Collector – May 2019 - 21
Collector – May 2019 - ACA International’s 2019 Convention & Expo
Collector – May 2019 - 23
Collector – May 2019 - 24
Collector – May 2019 - 25
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Collector – May 2019 - 27
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Collector – May 2019 - 30
Collector – May 2019 - 31
Collector – May 2019 - 32
Collector – May 2019 - Number Crunching
Collector – May 2019 - 34
Collector – May 2019 - 35
Collector – May 2019 - Calendar
Collector – May 2019 - Honor Roll
Collector – May 2019 - Education Spotlight
Collector – May 2019 - 39
Collector – May 2019 - 40
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Collector – May 2019 - 48
Collector – May 2019 - Regulators Should Be In The Business Of Helping The Regulated Comply
Collector – May 2019 - 50
Collector – May 2019 - 51
Collector – May 2019 - ACA SearchPoint
Collector – May 2019 - Ad Index
Collector – May 2019 - Membership
Collector – May 2019 - 55
Collector – May 2019 - Last Word
Collector – May 2019 - Cover3
Collector – May 2019 - Cover4
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