Collector Accused of Placing 50 Prerecorded Calls After Receiving Attorney’s Cease Letter
- A California lawsuit alleges a collector kept calling a consumer’s cell phone with prerecorded messages, more than 50 times, often more than seven times a week, after her attorney sent a letter revoking consent and directing all contact to counsel. The complaint stacks FDCPA, Rosenthal Act, and TCPA claims, and leans on Regulation F’s seven-in-seven presumption to do it.
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Bankruptcy Filings Blow Past 600,000 as the Rebound Enters Year Four
- Bankruptcy filings jumped 12.2% in the year ending June 30, and it’s the fourth straight year of increases. But the number that should really get your attention isn’t the total. It’s which chapter is growing fastest, and what that says about how much recovery capacity filers are bringing with them into court.
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Appeals Court: Figuring Out Whether a Debt Was Discharged Isn’t the CRA’s Job
- A consumer’s credit report showed both a bankruptcy discharge and a $146,000 mortgage balance. Misleading? Inaccurate? The Seventh Circuit said the answer turns on a distinction that has decided a string of recent FCRA cases, and the court’s reasoning gives furnishers and CRAs a roadmap worth keeping handy. One caveat in the opinion, though, leaves the door cracked open for future plaintiffs.
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No Proof of Delivery, No Arbitration: Credit Union Loses Bid to Escape Repo Class Action
- The arbitration clause existed. It was on page 29 of a document the credit union says it provided to every member. So why did a Pennsylvania appeals court refuse to enforce it? The answer comes down to what the credit union couldn’t prove, and it’s a lesson for anyone relying on “customary practice” affidavits to establish that a contract term ever reached the consumer.
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NYC Sues Dental Practices Over Medical Credit Cards Patients Say They Never Opened
- New York City’s consumer protection agency is going after two Brooklyn dental operations it says lured patients with $99 specials, then enrolled them in high-interest financing, sometimes without their knowledge. The collection activity on those accounts features prominently in the complaint, and the remedy the city is seeking could unwind the underlying debt itself. Also worth noting: who’s now running the agency that filed it.
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IBM: AI Is Now Driving One in Four Breaches, and Making Each One $1 Million More Expensive
- The average data breach hit a record $4.99 million this year, and the attack vector producing the costliest incidents is one phone-heavy ARM operations know intimately. IBM’s annual report also puts a number on “shadow AI” — employees using unapproved tools — and it more than doubled in a year. The defensive findings, at least, offer a playbook.
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AT&T Will Now Text Customers a Summary of Every Service Call. Guess Who’s Next.
- AT&T customers can now opt in to receive an AI-generated written recap of every customer care conversation: what was discussed, what was promised, what happens next. A carrier perk on its face. But for an industry where “what was actually said on that call” fuels a meaningful share of complaints and litigation, the precedent could travel fast, and not just by consumer demand.
- More details here
WORTH NOTING: A lot of car buyers are extending the terms of their financing to try and make the loan payments more affordable … Are health trackers doing more harm than good by raising our anxiety levels? … The AI price wars are ramping up … Ten things you need to know about the property market … A debate over the most unbreakable records in sports … Actress Donna Mills has joined OnlyFans at 85 years old … Three of Anthropic’s AI models got loose during testing and broke into three systems … All the ways that AI is making your life more expensive.
Funny Friday, part I
Funny Friday, 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.
