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Adam J Krohn / Posted: 2013-11-18 11:13 am
Many people have bad experiences with debt collectors and the Consumer Financial Protection Bureau (CFPB) wants to hear about them. They are preparing to update the rules that govern how debt collectors communicate with borrowers and they are seeking information from both debt collection companies and consumer advocates to help them prepare the new rules. Their goal is to better protect consumers while not limiting legitimate debt collection activities.

Adam J Krohn / Posted: 2013-10-17 5:33 pm
Last year the Federal Communications Commission (FCC) adopted several very significant changes to the Telephone Consumer Protection Act (TCPA). The changes to the regulations will become effective on October 16, 2013. Two of the changes include:

Adam J Krohn / Posted: 2013-10-08 1:49 pm
On September 25, 2013 the Federal Trade Commission (FTC) settled its first case that involved text messages under the Fair Debt Collection Practices Act.

Adam J Krohn / Posted: 2013-09-11 2:05 pm
A new ruling out of the Third Circuit Court of Appeals has held that the Telephone Consumer Protection Act (TCPA) allows consumers to revoke their prior consent to being called through the use of an autodialer or prerecorded voice.

Adam J Krohn / Posted: 2013-09-04 12:26 pm
The Telephone Consumer Protection Act (TCPA) generally prohibits most unsolicited advertisements sent by fax. In a recent case, faxes sent from an attorney that alerted the recipients to the availability of his services, even though they were styled as newsletters, were considered unsolicited advertisements under the TCPA by the United States Court of Appeals for the Seventh Circuit.

Adam J Krohn / Posted: 2013-07-03 3:17 pm
The Telephone Consumer Protection Act (“TCPA”) already regulates the use of auto dialers, used to initiate faxes, prerecorded voice messages, and SMS text messages. However, a recent federal court ruling out of the Western District of Wisconsin has expanded the TCPA's reach. In the case Nelson v. Santander Consumer USA, this court found that the TCPA may apply to some calls that are not initiated by auto dialers.

Adam J Krohn / Posted: 2013-06-18 12:19 pm
The Telephone Consumer Protection Act (“TCPA”) prohibits several telemarketing practices (such as sending spam faxes). Under the TCPA there is a private right of action, along with the ability to seek $500 in damages for every violation (for every unsolicited fax) or the possibility of treble damages (when unsolicited faxes are sent willfully and knowingly). The Illinois Supreme Court has recently ruled that these statutory damages under the TCPA are not punitive but rather remedial in nature.

Adam J Krohn / Posted: 2013-05-15 11:26 am
The Telephone Consumer Protection Act ("TCPA") prohibits, under 47 U.S.C. Section 227(b)(1)(A), "any call" made by an automatic telephone dialing systems ("ATDS") to all cellular telephone services, unless it was made for (1) emergency purposes or (2) was made with prior express consent by the party called. This is applied to text messaging even though the TCPA was enacted prior to text messaging being a reality.

Adam J Krohn / Posted: 2013-04-09 12:00 am
The transmission of advertisements over telephone facsimile machines is regulated under the Telephone Consumer Protection Act (“TCPA”). More specifically 42 U.S.C. Section 227(b)(1)(C) bans the transmission of unsolicited advertisements.

Adam J Krohn / Posted: 2013-01-03 12:00 am
I defaulted on a car loan back in 1995,but made arrangements to pay what was owed to stay out of court, then in 2003 I received a bill from cavalry portfolio for 19,000 dollars.

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