Collector – August 2019 - 25

When it comes to validation
notices sent into the Third Circuit,
debt collectors are faced with the
unenviable task of choosing between
two potentially perilous options:
continue using the text of the FDCPA,
which could result in liability under
current Third Circuit precedent, or add
"in writing" to the Section 809(a)(3)
portion of the validation notice, which
could expose a collector to future
liability if Third Circuit precedent is
overturned. Unfortunately, neither
option is without risk.

PTION

COLLECTOR 08.19

By Andrew Pavlik and Karen Scheibe Eliason

A

troubling trend has developed within the U.S.
Third Circuit regarding the language of the
initial validation notice required under the Fair
Debt Collection Practices Act. (The Third Circuit includes
Pennsylvania, New Jersey and Delaware.) The issue centers
on whether the statute permits consumers to dispute a debt
orally or whether all disputes must be "in writing."
In order to understand this complex and confusing issue,
it's helpful to first review the text provided by the statute for a
validation notice. Section 809(a) [15 U.S.C. Section 1692g(a)]
of the FDCPA requires the following three statements to be
included in an initial validation notice:
* A statement that unless the consumer, within 30 days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed to
be valid by the debt collector;
* A statement that if the consumer notifies the debt
collector in writing within the 30-day period that the
debt, or any portion thereof, is disputed, the debt
collector will obtain verification of the debt or a copy
of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer
by the debt collector; and
* A statement that, upon the consumer's written request
within the 30-day period, the debt collector will
provide the consumer with the name and address
of the original creditor, if different from the current
creditor. (Emphasis added.)

25



Collector – August 2019

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

President’s Page
Industry News
Best Practices
FYI
Collection Tips
How a background in making people laugh has helped Roger Weiss, ACA’s new president, educate and engage an industry.
No Good Option
“You’ve got to be a compliance cheerleader for the organization, and that takes a lot of energy.”
Protecting Health Care Data
Calendar
Honor Roll
Education Spotlight
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – August 2019 - Cover1
Collector – August 2019 - Cover2
Collector – August 2019 - 1
Collector – August 2019 - 2
Collector – August 2019 - 3
Collector – August 2019 - 4
Collector – August 2019 - President’s Page
Collector – August 2019 - Industry News
Collector – August 2019 - 7
Collector – August 2019 - 8
Collector – August 2019 - 9
Collector – August 2019 - Best Practices
Collector – August 2019 - 11
Collector – August 2019 - FYI
Collector – August 2019 - 13
Collector – August 2019 - Collection Tips
Collector – August 2019 - 15
Collector – August 2019 - How a background in making people laugh has helped Roger Weiss, ACA’s new president, educate and engage an industry.
Collector – August 2019 - 17
Collector – August 2019 - 18
Collector – August 2019 - 19
Collector – August 2019 - 20
Collector – August 2019 - 21
Collector – August 2019 - 22
Collector – August 2019 - 23
Collector – August 2019 - No Good Option
Collector – August 2019 - 25
Collector – August 2019 - 26
Collector – August 2019 - “You’ve got to be a compliance cheerleader for the organization, and that takes a lot of energy.”
Collector – August 2019 - 28
Collector – August 2019 - 29
Collector – August 2019 - Protecting Health Care Data
Collector – August 2019 - 31
Collector – August 2019 - 32
Collector – August 2019 - 33
Collector – August 2019 - Calendar
Collector – August 2019 - Honor Roll
Collector – August 2019 - Education Spotlight
Collector – August 2019 - 37
Collector – August 2019 - 38
Collector – August 2019 - 39
Collector – August 2019 - 40
Collector – August 2019 - 41
Collector – August 2019 - 42
Collector – August 2019 - 43
Collector – August 2019 - 44
Collector – August 2019 - 45
Collector – August 2019 - 46
Collector – August 2019 - 47
Collector – August 2019 - ACA SearchPoint
Collector – August 2019 - Ad Index
Collector – August 2019 - Membership
Collector – August 2019 - 51
Collector – August 2019 - Last Word
Collector – August 2019 - Cover3
Collector – August 2019 - Cover4
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