Join Date: Apr 2012
Thanked 533 Times in 287 Posts
FDCPA and inspections........
SOOOO many ways to get in hot water here. FDCPA does NOT mess around. W/O says if occupied and nobody home, Leave callback card in envelope marked "confidential" Well now what happens if property is tenant occupied and the tenant gets the CC? Instructions say DO NOT leave CC with tenant! Also per FDCPA the door hangers fail to identify who is responsible for the notice, neglecting to mention that it pertained to collection of a debt, default, or demand for payment.
The FDCPA mandates debt collectors identify themselves to those from whom they are collecting and to disclose the reason for contacting the individual. Additionally, the FDCPA requires all debt collectors to mail the debtor a specific letter within five days of initial communication, notifying the debtor of their legal rights to obtain validation of the debt, including total amount owed, the creditor’s name, and how to dispute the debt.