Consumer Defense

When Denying Injunction Against CFPB’s Medical Debt Collection Advisory Opinion, Court Confirms Advisory Opinion Creates No New Legal Obligations

CFPB Agrees To Delay New Medical Debt Collection Rules

CFPB To Medical Debt Collectors: You’re Fired!

Earlier this month, the CFPB released a final “interpretive rule” wrongly disguised as an Advisory Opinion announcing new FDCPA standards only for medical debt collectors.

You Can’t Win If You Don’t Dispute

An Oklahoma federal court found that a consumer must say they are disputing a debt to be able to make out a case that the debt collector wrongly failed to update a credit report tradeline as disputed.

An Allegedly Confusing Letter Does Not Create Federal Court Standing

In Osorio v. Transworld Systems Inc, a Pennsylvania federal trial court threw out an FDCPA suit despite the plaintiff’s claim she was living in a “state of bewilderment” after receiving a collection letter.

NY Voids Medical Debt If Credit Reported

On December 13, New York Governor Kathy Hochul signed into law the Fair Medical Debt Reporting Act. This new law is effective immediately and prohibits the credit reporting of any medical debt in New York. And “any” means any – it is not just negative information; there can be no furnishing of any information regarding any medical debt in New York.