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ARM Insider - The Debt Industry's Most-Trusted Daily

3rd Circuit: 2nd Collection Letter Within 30 Days of First Letter is "Overshadowing"

On August 30, 2017, the Court of Appeals for the Third Circuit issued an opinion determining that a second collection letter sent to a consumer within thirty days of an initial letter “overshadowed and contradicted the “Validation Notice” in the initial letter. 

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House Committee Meets Today to Consider Change to FDCPA

Today the House Subcommittee on Financial Institutions and Consumer Credit will hold a hearing entitled “Legislative Proposals for a More Efficient Federal Financial Regulatory Regime.” One of the bills to be addressed would amend the Fair Debt Collection Practices Act.

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Credit Reporting Practices: How to Understand What Condition Your Condition Codes Are In

14 September 2017 at 02:00 p.m.

Credit reporting is an entirely different animal than it was even two years ago. Existing requirements have changed and many new requirements and condition codes have been added. Ontario Systems is here to help us all sort this out.

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