Suit Accuses Collector of Ignoring Cease Request by Attempting to Collect Different Debt
- Does a refusal to pay a debt owed to a specific creditor apply to debts that are owed to other creditors? One plaintiff thinks so and has filed a lawsuit in New York federal court accusing a collection operation of violating the Fair Debt Collection Practices Act.
- More details here
- This series is sponsored by WebRecon
CFPB Reasserts Federal Preemption of State Credit Reporting Laws
- The Consumer Financial Protection Bureau formally confirmed yesterday that the Fair Credit Reporting Act broadly preempts state laws governing large areas of credit reporting, replacing a 2022 interpretive rule that the agency now calls flawed and confusing.
- More details here
Judge Grants MTD After Plaintiff Demands ‘Pure Gold’ for Violations
- A District Court judge in Maryland has granted a defendant’s motion to dismiss a Fair Debt Collection Practices Act case involving what appears to be a sovereign citizen — the plaintiff sought pure gold as payment for any violation — ruling that the plaintiff’s “subjective ignorance” of the debt is not an indication that the defendant did anything wrong.
- More details here
Delaware Medical Debt Credit Reporting Law Goes Into Effect
- A medical debt credit reporting law took effect today in Delaware, eliminating the ability to include medical debt in consumer credit reports — a sweeping protection aimed at easing financial burdens tied to illness and emergency care.
- More details here
WebRecon September 2025 Stats: TCPA, FDCPA Way Up Over Last Month, FCRA Down a Bit
- September 2025 saw TCPA and FDCPA litigation spike by double digits (+23.7& and +22.6% respectively) while FCRA litigation ticked down a bit (-4.7%).
- More details here
WORTH NOTING: If you think DIY holiday gifts are the way to go if you are looking to save money, you may want to think again … The CEO of Zoom says that AI assistants are going to allow people to start working fewer hours and the technology will shorten our workweek … People would prefer to talk about literally anything else rather than talk about their finances … I find great fault with Chicago topping a list of the top winter holiday destinations — in fact I find fault with each of the top five cities on this list … The lengths that people are willing to go to in order to make every penny count … Secrets that hospitals won’t tell you to help lower your medical bills … Jefferson Capital is buying $500 million of credit card receivables … Amazon is laying off 30,000 corporate workers, about 10% of its workforce.
Trailer Tuesday, part I
Trailer Tuesday, part II
The Daily Digest is sponsored by TCN. Today, contact centers need to do more with less. TCN’s cloud-based predictive dialing tools and services help clients to leverage the most sophisticated inbound, outbound, and blended calling technologies available. TCN’s award-winning platform offers multiple features to assist in compliance while improving performance with no hardware, no monthly minimums, or maintenance fees. Call 866-745-1900 or visit tcn.com today.
