David M. Bizar is a partner in the Boston office of Seyfarth Shaw LLP. Mr. Bizar represents national and federal savings banks, financial services companies and other businesses in high-stakes consumer financial services disputes in the courts and before government authorities challenging the legality of their products and services, corporate practices and regulatory adherence. Mr. Bizar is a former member of the U.S. Army’s Judge Advocate General Corps (JAG). From 1995 to 1999, Mr. Bizar served on active duty with the 1st Cavalry Division as chief of a legal assistance office and as a prosecutor, and was attached to the 4th Infantry Division as a defense counsel. In 1996, Mr. Bizar deployed with the 3rd Brigade Combat Team of the 1st Cavalry Division during Operation Desert Strike to the Emirate of Kuwait, where he served as the legal counsel to the commander and was awarded The Army Achievement Medal for meritorious service.
On March 2, 2012, the Massachusetts Attorney General published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. These regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt from a person located within Massachusetts.
The rules are extraordinary in that, among other things, they impose validation and verification requirements on creditors collecting their own debts, rather than just on third party debt collectors or purchasers of defaulted debt as under the FDCPA, a first for state laws governing first party debt collection.