Commercial and Consumer Collections

We have extensive experience in consumer and commercial debt collections.  In the consumer setting this allows us to quickly and efficiently process collection referrals with practical solution-based remedies to meet client needs all within the laws of the Fair Debt Collection Practices Act.

The purpose of the FDCPA is to “eliminate abusive debt collection practices by debt collectors.  Importantly, the question of whether the consumer actually owes the alleged debt has no bearing on FDCPA claims.  The FDCPA is a strict liability statute; proof of one violation is sufficient to support judgment for the consumer.  Statements contained in pleadings and other court filings are actionable under the FDCPA.  Actions of a debt collector are evaluated through the lens of an “unsophisticated consumer,” meaning consumers of “below average sophistication or intelligence.”