Collector - March 2021 - 33

BUSINESSOPERATIONS

this call provision and say,  " Hmm, three
phone numbers or seven phone numbers for
Rossman. Let's make a locational call to each
one and figure out where he is. "  
Bender: In your experience, how would the
litigation come here? 
Newburger: I think if you're calling to
confirm a number that you've already used
to speak with the consumer, I think there's
a real chance that it's viewed as harassment
or abuse under the act.  
Remember the rule is you don't get
to call any place more than once unless 
you have reason to believe the person
has new information or the person asks
you to call back. But repeated calls to
the same person over and over again are
certainly problematic.  

COLLECTOR 03.21

And what I never understood is this: 
the opportunity to make a locational call
is a valuable asset for the collector. Why
would you use up that tool? You don't want
to be using up the chance to make a
locational call to a particular person or
place until you need to do that. I think
some collectors forget that.  
Rossman: I think every agency needs to take
a look at what their policy and procedure is 
for skiptracing/locational calls and make
sure those policies are up to date with
what the CFPB is talking about here so
you don't expose yourself to a punitive class
action if for some reason a collector makes
a mistake.
Bender: And perhaps to add to that very
helpful idea, John, if you have those policies

and procedures: trust but verify. Don't just
have them sitting on the shelf. I think that
auditing to this policy, if you have it, would
be as important as having it. It could
be very dangerous to have it and not audit
to it. 
Anne Rosso May is the communications director
and editor-in-chief at ACA International. 
ACA Training Zone subscribers have free
access to this recording! Log in and listen to it
here: www.acainternational.org/products/
ht-hidden-litigation-traps. 
This article should not be construed as
legal advice or legal opinion on any specific
facts or circumstances. The contents are
intended for general informational
purposes only. 

33


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Collector - March 2021

Table of Contents for the Digital Edition of Collector - March 2021

Collector - March 2021 - Cover1
Collector - March 2021 - Cover2
Collector - March 2021 - 1
Collector - March 2021 - 2
Collector - March 2021 - 3
Collector - March 2021 - 4
Collector - March 2021 - 5
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Collector - March 2021 - 42
Collector - March 2021 - 43
Collector - March 2021 - 44
Collector - March 2021 - Cover3
Collector - March 2021 - Cover4
http://online.collector.com/collectormagazine/202103
http://online.collector.com/collectormagazine/202102
http://online.collector.com/collectormagazine/202101
http://online.collector.com/collectormagazine/202012
http://online.collector.com/collectormagazine/202011
http://online.collector.com/collectormagazine/202010
http://online.collector.com/collectormagazine/202009
http://online.collector.com/collectormagazine/202008
http://online.collector.com/collectormagazine/202007
http://online.collector.com/collectormagazine/202006
http://online.collector.com/collectormagazine/202005
http://online.collector.com/collectormagazine/202004
http://online.collector.com/collectormagazine/202003
http://online.collector.com/collectormagazine/202002
http://online.collector.com/collectormagazine/202001
http://online.collector.com/collectormagazine/201912
http://online.collector.com/collectormagazine/201911
http://online.collector.com/collectormagazine/201910/
http://online.collector.com/collectormagazine/201909/
http://online.collector.com/collectormagazine/201908/
http://online.collector.com/collectormagazine/201907/
http://online.collector.com/collectormagazine/201906/
http://online.collector.com/collectormagazine/201905/
http://online.collector.com/collectormagazine/201904/
http://online.collector.com/collectormagazine/201903/
http://online.collector.com/collectormagazine/201902/
http://online.collector.com/collectormagazine/201901/
http://online.collector.com/collectormagazine/201812/
http://online.collector.com/collectormagazine/201811/
http://online.collector.com/collectormagazine/201810/
http://online.collector.com/collectormagazine/201809/
http://online.collector.com/collectormagazine/201808/
http://online.collector.com/collectormagazine/201807/
http://online.collector.com/collectormagazine/201806/
http://online.collector.com/collectormagazine/201805/
http://online.collector.com/collectormagazine/201804/
http://online.collector.com/collectormagazine/201803/
http://online.collector.com/collectormagazine/201802/
http://online.collector.com/collectormagazine/201801/
http://online.collector.com/collectormagazine/201712/
http://online.collector.com/collectormagazine/201711/
http://online.collector.com/collectormagazine/201710/
http://online.collector.com/collectormagazine/201709/
http://online.collector.com/collectormagazine/201708/
http://online.collector.com/collectormagazine/201707/
http://online.collector.com/collectormagazine/201706/
http://online.collector.com/collectormagazine/201705/
http://online.collector.com/collectormagazine/201704/
http://online.collector.com/collectormagazine/201703/
http://online.collector.com/collectormagazine/201702/
http://online.collector.com/collectormagazine/201701/
http://online.collector.com/collectormagazine/201612/
http://online.collector.com/collectormagazine/201611/
http://online.collector.com/collectormagazine/201610/
http://online.collector.com/collectormagazine/201609/
http://online.collector.com/collectormagazine/201608/
http://online.collector.com/collectormagazine/201607/
http://online.collector.com/collectormagazine/201606/
http://online.collector.com/collectormagazine/201605/
http://online.collector.com/collectormagazine/201604/
http://online.collector.com/collectormagazine/201603/
http://online.collector.com/collectormagazine/201602/
http://online.collector.com/collectormagazine/201601/
http://online.collector.com/collectormagazine/201512/
http://online.collector.com/collectormagazine/201511/
http://online.collector.com/collectormagazine/201510/
http://online.collector.com/collectormagazine/201509/
http://online.collector.com/collectormagazine/201508/
http://online.collector.com/collectormagazine/201507/
https://www.nxtbookmedia.com