Category Archives: Collection Legalities

Medieval Legislation

Until the last few hundred years, the problem of unpaid debt was dealt with through a variety of punishment methods. In ancient Greece and Rome the use of Nexum (debt bondage) style contracts became so wide-spread, with so many people borrowing money they were unable or unwilling to pay back, the practice had to be [...]
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Compliance issues to look for in 2012

I read with interest the white paper “The Future of Compliance for the Debt Collection Industry.”  The following are a few quotes from this paper that I found most interesting. I hope they get you thinking about your compliance plans in 2012! “The global financial crisis that officially began in the fall of 2008 ushered [...]
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Chalk one up for the ARM industry!

Finally someone (a judge) has taken an unbiased look at a lawsuit aimed at a collection agency for alleged TCPA and FDCPA violations. From all appearances, the Judge in the 4th Circuit took a close look at the alleged infractions and the intent of the TCPA and FDCPA and ruled in the collection agency’s favor. [...]
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My political representatives didn’t know about H.R. 3035 until I told them.

This past week, I participated in ACA International’s Fly-In to D.C. to visit with my State Representatives about H.R. 3035 (updates to the TCPA allowing the use of dialers when calling cell phones). I must admit that I was slightly nervous. I’ve written them letters, emails and even made phone calls, but I’ve never sat [...]
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Avoid the coin toss business model

As bets go, betting on the flip of a coin is pretty straightforward. A coin can only do one of two things: It can either come up heads or it can come up tails. You might bet on a coin toss because you are acting in your own self-interest. In business, don’t bet on it; [...]
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