Collector – June 2019 - 46

IAP

Industry Advancement Program Helps Member
Defeat FDCPA Claim in Ninth Circuit
Citing Diaz v. Kubler Corp., the federal appellate court ruled that the agency's
collection of interest did not violate the FDCPA.
By Karen Scheibe Eliason

A

CA International's Industry
Advancement Program helped
rack up another win for the
accounts receivable management industry
when the Ninth Circuit Court of Appeals
sided with the lower court and affirmed
its decision that ACA member company
Medcah, Inc. did not violate the Fair Debt
Collection Practices Act when it sought
to collect interest on all of a consumer's
debts. The Ninth Circuit held that the

46

collection agency was not liable under
the FDCPA for imposing interest because
it was authorized by the underlying
agreements between the consumer and her
creditors or permitted by law.
The collection of interest is an important
and integral part of ACA members'
businesses, which is why the association
supported its member in obtaining this
important FDCPA decision positively
impacting the accounts receivable

management industry by providing Industry
Advancement Funds to help defray the cost
of appellate litigation.
In the case Sivongxay v. Medcah, Inc.,
2019 WL 965139 (9th Cir. Feb. 26, 2019),
the consumer filed a complaint against
the agency, alleging it violated the FDCPA
and related Hawaii Revised Statutes by
attempting to collect prejudgment interest
on her unpaid debts at the statutory rate
of 10 percent, where the original contracts

ACAINTERNATIONAL.ORG


http://www.ACAINTERNATIONAL.ORG

Collector – June 2019

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

President’s Page
Industry News
Best Practices
FYI
Collection Tips
Adapting to a New Environment
“Today agencies realize this is an opportunity to help the consumer.”
ACA International’s 2019 Convention & Expo
Close the Revolving Door
Calendar
Honor Roll
Education Spotlight
Ask the Experts: Small Talk
Growing into the Industry
Exploring STIR/SHAKEN
CFPB Releases Proposed Debt Collection Rule
Industry Advancement Program Helps Member Defeat FDCPA Claim in Ninth Circuit
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – June 2019 - Cover1
Collector – June 2019 - Cover2
Collector – June 2019 - 1
Collector – June 2019 - 2
Collector – June 2019 - 3
Collector – June 2019 - Industry News
Collector – June 2019 - President’s Page
Collector – June 2019 - 6
Collector – June 2019 - 7
Collector – June 2019 - 8
Collector – June 2019 - 9
Collector – June 2019 - Best Practices
Collector – June 2019 - 11
Collector – June 2019 - FYI
Collector – June 2019 - 13
Collector – June 2019 - 14
Collector – June 2019 - 15
Collector – June 2019 - Collection Tips
Collector – June 2019 - 17
Collector – June 2019 - Adapting to a New Environment
Collector – June 2019 - 19
Collector – June 2019 - 20
Collector – June 2019 - 21
Collector – June 2019 - Close the Revolving Door
Collector – June 2019 - “Today agencies realize this is an opportunity to help the consumer.”
Collector – June 2019 - ACA International’s 2019 Convention & Expo
Collector – June 2019 - 25
Collector – June 2019 - 26
Collector – June 2019 - 27
Collector – June 2019 - 28
Collector – June 2019 - 29
Collector – June 2019 - 30
Collector – June 2019 - 31
Collector – June 2019 - 32
Collector – June 2019 - 33
Collector – June 2019 - Calendar
Collector – June 2019 - Honor Roll
Collector – June 2019 - Education Spotlight
Collector – June 2019 - 37
Collector – June 2019 - Ask the Experts: Small Talk
Collector – June 2019 - 39
Collector – June 2019 - Growing into the Industry
Collector – June 2019 - 41
Collector – June 2019 - Exploring STIR/SHAKEN
Collector – June 2019 - 43
Collector – June 2019 - CFPB Releases Proposed Debt Collection Rule
Collector – June 2019 - 45
Collector – June 2019 - Industry Advancement Program Helps Member Defeat FDCPA Claim in Ninth Circuit
Collector – June 2019 - 47
Collector – June 2019 - ACA SearchPoint
Collector – June 2019 - Ad Index
Collector – June 2019 - Membership
Collector – June 2019 - 51
Collector – June 2019 - Last Word
Collector – June 2019 - Cover3
Collector – June 2019 - Cover4
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