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UPDATED FOR 2015! Our To the Point reports are a critical and essential resource for your Compliance Team. We reach out to the most trusted attorneys in the ARM industry -- people like Don Maurice of Maurice & Needleman; John Rossman of Moss & Barnett; Katrina Christakis of Pilgrim Christakis LLP -- and get them to give us the most up-to-date advice, thinking, and debates on legal, regulatory, and compliance topics.

If you're not taking advantage of this resource, you're putting your agency at risk.

Product: PDF Download

Pages: 86 pp

Published: 2 June 2015

Covered in this edition of To the Point: Collection Call Compliance:

  • What are some of the big dos and don’ts when calling debtors? What is the industry– particularly first-party collectors and lenders – doing to combat the challenges of contacting consumers on their cell phones?
  • How often should you scrub your cell phone list to ensure that the cell phone number is still registered to that consumer before auto-dialing? Can you do an effective out-of-statute scrub if a client only provides a charge-off date? And if so, what would you recommend?
  • How does the CFPB register and recognize first party collectors? Is this going to change?
  • What are some best practices and sample language for out-of-statute and bankruptcy notices?

NEW in this update:

  • All answers have been reviewed by the Editorial Review Board of the Compliance Professionals Forum, adding additional information and guidance to many of the points raised by our attending attorneys.


Don Maurice is a partner at Maurice & Needleman, P.C. with offices in Pennsylvania and New Jersey. He regularly defends FDCPA, TCPA, FCRA and UDAAP in both individual and class actions. He served as amicus counsel in the recently decided Supreme Court FDCPA case Marx v. General Revenue. You can read Don’s blog at consumerfsblog.com or follow him on Twitter @dsmaurice.

Katrina Christakis is a partner at Pilgrim Christakis LLP, a financial services litigation boutique based in Chicago.  Her practice focuses on the defense of banks, housing and auto finance companies, retailers, loan servicers, credit card issuers, short term lenders, debt buyers and debt collectors in individual and class action cases filed in state and federal courts. Katrina also represents clients in general commercial litigation matters, including inter-creditor disputes, title and lien priority disputes, breach of privacy and breach of contract actions.

Michael Thurman of Loeb & Loeb LLP is a Los Angeles-based trial attorney who defends lawsuits, arbitrations and regulatory actions brought against businesses and their executives and employees. He regularly represents business clients in consumer protection class actions and government regulatory actions and investigations brought by the Federal Trade Commission (FTC) and state regulators, and counsels clients in various industries on advertising and marketing issues.

John Bedard is the managing attorney of Bedard Law Group, P.C. located in Atlanta, Georgia. John represents creditors, asset buyers, and debt collectors helping them stay in compliance with state and federal law. He also manages the nationwide litigation for several collection agencies and focuses his litigation practice on FDCPA, TCPA, and FCRA defense. John’s practice also focuses on defending regulatory actions including CFPB investigations and travels the country performing CFPB readiness assessments for the collection industry. He received his law degree from the Syracuse University College of Law and his undergraduate degree in Economics from the Pennsylvania State University. He can be reached at Bedard Law Group, P.C. 2810 Peachtree Industrial Blvd., Suite D, Duluth, Georgia 30097. Phone: 678-253-1871ext. 244. Fax: 678-253-1873. jbedard@bedardlawgroup.com