Opinion Feed Link

Opinion

Browse all ARM topics

man-reading-letter

How to Avoid FDCPA Claims of Overshadowing

Section 1692g of the FDCPA says collectors must provide a notice to consumers within five days of initial communication stating the amount of the debt, the name of the current creditor, and explaining the consumer’s right to dispute the debt and to obtain verification. You might assume that a collector can comply with that section by simply copying the language from the statute into their initial notice to consumers. Not exactly.