Fdcpa Violations And Investigation

Summary

Potential violations of the Fair Debt Collection Practices Act (FDCPA) and inadequate responses from the Department of Consumer and Business Services (DCBS) are serious concerns. Section 697.662 of the FDCPA prohibits harassment, false representations, and unfair practices by debt collectors. Oregons HB 2356 requires debt buyers to be licensed, but the Division lacks enforcement authority against them for unlawful practices. Gather documented evidence of violations by LVNV Funding LLC and Johnson Marks LLC. Consider consulting a consumer protection attorney in Oregon for guidance.

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Division Licensing Authority Over Debt Buyers Oregon enacted a debt buyers bill (HB *), effective January *, *, that imposed both licensing and substantive requirements on entities that purchase debts from original creditors and others. The bill required any person engaging in debt buying in Oregon to obtain a license from the Division, unless an exemption applies. ORS *.* defines a “debt buyer” as “a person that regularly engages in the business of purchasing charged-off debt for the purpose of collecting the charged-off debt or hiring another person to collect or bring legal action to collect the charged-off debt.” The Division, however, does not have authority to bring an enforcement action against debt buyers for violating federal or state unlawful debt collection laws.
It sounds like you have a strong case for review due to potential violations of the Fair Debt Collection Practices Act (FDCPA) and possibly inadequate responses from the Department of Consumer and Business Services (DCBS).
To proceed:
- Gather all documented evidence of the alleged violations by LVNV Funding LLC and Johnson Marks LLC.
- Consider contacting a consumer protection attorney in Oregon for further assistance.
Would you like information on how to find a consumer protection attorney in Oregon?