Does ‘Reject to Pay’ Trigger a Cease? Colorado Judge Says It Might
- A Magistrate Court judge in Colorado has denied a debt collector’s motion for summary judgment in an Fair Debt Collection Practices Act case that turns on a deceptively simple question: when a consumer says “I reject to pay,” is that enough to trigger a cease in communications? The judge did not definitively answer that question. Instead, she ruled that a reasonable factfinder could interpret the consumer’s language as a refusal to pay, meaning the case must proceed to trial rather than being dismissed early.
- More details here
Bankruptcy Filings Continue Climb, Up Nearly 12% Through Q1
- Bankruptcy filings continue to trend upward, reinforcing a pattern that credit and collection professionals have been watching closely for more than a year. New data from the Administrative Office of the U.S. Courts shows total filings increased 11.9% in the 12-month period ending March 31, 2026, reaching 591,850 cases.
- More details here
Judge: Reliance on Furnisher Data Was Reasonable, But Dispute Handling Heads to Jury
- A credit reporting agency’s reliance on data from a collection firm, even when that data is later disputed, is not automatically unreasonable under the Fair Credit Reporting Act, a District Court judge in Illinois has ruled, while leaving key questions about dispute handling and reinvestigation procedures for a jury to decide.
- More details here
Report Flags Risks in Fast-Moving Debt Collection Cases in Small Claims Courts
- A new report from Harvard Law School’s Consumer Protection Clinic is examining how high-volume debt collection cases are handled in small claims courts, focusing on the widespread use of “coverage attorneys” and the pace at which cases move through the system, according to a published report.
- More details here
Compliance Digest – April 27
- Insights from 10 different experts — Lori Quinn, Marissa Coyle, Monica Littman, Roshni Patel, James K. Schultz, Loraine Lyons, Drew Cicero, Laurie Nelson, Akeela White, and Virginia Bell Flynn on important topics ranging from new rules from the FCC, a House hearing on credit reporting reforms, and court rulings on the FDCPA, FCRA, and more.
- More details here
- This series is sponsored by Frost Echols
WORTH NOTING: Experts say artificial intelligence can now read the risk in your voice … Whether you believe it or not, Shadow AI is inside your operation. Now what? … An account of someone who used AI to dispute a dental bill … A look at the best and worst entry-level jobs today … The emojis you use at work determines how competent your colleagues think you are … To buy this home in San Francisco, you need to use Anthropic equity … Science has picked the time when food cravings hit the hardest … Why your summer BBQ is going to cost more this year.
Music Monday, part I
Music Monday, 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.
