Companies who are using FDCPACertification.com… (click for full list)… Ralph E. Lewis II Attorneys At Law · The Dean Legal Group, Ltd. · Sign and Drive Auto Group · North Shore LIJ Health System · CapCall (IOM) Ltd · AIH Receivables · The McHughes Law Firm, PLLC · XCR Solutions LLC · Credit Solutions LLC & Diversified Management · Dynamic Legal Recovery · Mendelson Law Group · Kim Gale · REALTIME RESULTS · Cascade Credit Consulting, Inc. · U.S. 1 Financial LLC. · Resource Management Group · Durham & Durham, LLP · Langsdale Law Firm · Shpondow, LLC · Northwest Collectors · Christopher & Brummett Inc. · Sheena Fernandez · E.J. Hagan Associates · Stone & Hinds PC · Nationwide Recovery Bureau · Senex Law, PC · H & S Financial, Inc. · Curtis | Castillo PC · Mary Jane M. Elliott, P.C. Attorneys at Law · Johnnie B Harrell · Consolidated Management Group · Targosz and Walker Legal Group · Collect2Grow,Inc · Lyons, Doughty & Veldhuis · Dorough & Dorough, LLC · Rainmaker Recovery 3 Inc. · Green Tree Field Services · PROCOLLECT · Capgemini · Collection Bureau of America · First California Mortgage Company · Newman, Mathis, Brady & Spedale · Cavanaugh And Associates · Law Office of Melissa A Ferris · Chaplin & Gonet · Granite City Credit Consultants · Accurate Financial Partners · JFH-AC Financial Services, LLC · Xerox State & Local · N/A · Elite Flooring and Remodeling · Capital Recovery Systems, Inc · Arcadia Recovery Bureau, LLC · Duggins Law Firm · Oakwood Financial Affiliates · Robert O. & Associates · VDC · Key 2 Recovery, Inc · Vitti and Vitti and Associates, PC · Independent Consultant · Fontaine Inspections Inc · Keypoint Credit Union · The Satterwhite Law Firm, P.C. · AutoTrakk, LLC · Jason Michael Katz, P.C. · Eltman, Eltman & Cooper, P.C. · Mid-Atlantic Finance · Admin Recovery, LLC · Law Office of Michelle Reynolds · FCAMEC CREDIT UNION · Innovative Debt Recovery, Inc · Metropolitan Account Services · Sarma · Phin Solutions, inc. · Montana Capital · Berkeley-Hughes · MNGH, LLC · Voss & Klein, LLC · Silver Bay Property Corp. · ICHC · Boulevard Motors · AOG Recovery · Comer & Upshaw, LLP · Barry A. Friedman & Associates, P.C. · JH Capital Group · Sessoms & Rogers, P.A. · Open Door Health Services · Aries Data Collections · Sprechman & Associates, P.A. · Vantage West Credit Union · Collection Resolution Services · Show Me Credit Repair · Henley, Lotterhos & Henley, PLLC · JH Portfolio Debt Equities, LLC · Beam Software · Aldridge, Grammer & Hammar, P.A. · PRWT Services · Goldman & Rosen, Ltd. · Law Offices of Patrick Scanlon, P.A. · Miller & Cohen, P.C. · Missouri Financial Investigations · PDX Auto Collections · MTG Financial, LLC · Money Management LLC · Lustig Glaser and Wilson, P.C. · Wheels Financial Group, LLC. · Law Offices of Niederman, Stanzel & Lindsey · First Tech Federal Credit Union · Collection Angels · Regional Claims Recovery · Legum Law, PLC · DeGrasse & Rolnick · Harrington Anderson & DeBlasio · Bein Haker Law · Mayer & Mayer · Simpson Law Firm, P.A. · Hollins Law · Amos & Muffoletto, LLC · United Asset Collections Group · United Recovery Group · Franklins Tower Financial LLC · Account Receivable Solutions, Inc. · The Satterwhite Law Firm, P.C. · FINVGLOBAL, INC · Impact Enterprises, Inc · Weinstock, Friedman, and Friedman, P.A., · Tidewater Finance Company · Atkins & Ogle Law Office, LC · TAC Acceptance LLC · Gordon & Wong Law Group · Keypoint Credit Union · State of Oregon Dept of Revenue · Cash Factory USA · NFG · Reisenfeld and Associates · Fontaine Inspections Inc · Cummins Crosspoint, LLC · Winter Capriola Zenner, LLC · Louis and Associates · United Debt Holdings · Ray & Wood · Williams Babbit & Weisman · Bieging Shapiro & Barber LLP · Spengler Nathanson, Attorneys at Law · Shermeta, Adams & Von Allmen, P.C. · Arnall Golden Gregory · Bakkalapulo Law Firm · McCabe, Smith, Reynolds & Associates, Inc · Sundance Rentals · Marcadis Singer, P.A. · Bullseye Collection Agency, Inc. · Guy C. Zukeran, AAL, LLLC · Cohen & Associates, PC · North Idaho Credit Corp · Midwest Fidelity Services. LLc · Rodenburg Law Firm · Niederman Stanzel & Lindsey · Twomey and Associates · Cottrell Law Firm · The Duggins Law Firm · Debt Buyers Association · Healthcare Resource Group · Legal Recovery Specialists · Friedman & Associates, LLC · Sheps & Associates, PLLC · Daniels Norelli Scully & Cecere, P.C. · Southern Credit Adjusters Inc · The Law Offices of Steven A. Booska · Legacy Reliance Group · MUTUAL FINANCIAL PARTNERS · CenturyLink · PRS & Associates · Roquemore & Roquemore · Premier Collections · Stokes & Wolf, P.C. · Lexor Funding · RLW Accounts, LLC · Credico, Inc · Law Firm of Yates & Schiller, P.A. · Markind Law Group · Woolwine Law, LLC · Financial Forensic Services · Virginia Judgment Recovery · Capital Investment Services · Money To Go · PFG (Century Group) · Liberty Savings bank,FSB · CA Telemarketing Inc · Neighborhood Watch Security, Inc. · Collective Solution · Ziegler Metzger LLP · Creditor Advocates · Robert A. Sparks Attorney · Kason Credit Coproration · Jefferson Financial CU · World Recovery Service · Law Office of Bierer and Margolis, P.A. · Law Offices of Steven A. Booska · County of Sacramento · Horowitz, Ryan & Bell, Ltd. · Asset Maximization Group · Allied International Credit · Kinnear Law Office, LLC · Patrick A Carey, PA · The Rubinstein Law Firm · Houslanger & Associates · The Law Offices of Ross Gelfand, LLC · Elggren & Peterson, PC · CJA FINANCE, INC. (Cactus Jack’s Autos) · debts2collect.com · Phillips & Cohen Associates, Ltd · Bureau of Collection Recovery Inc. · First Credit Inc. · Vidmar & Hardesty, Ltd. · Chartway Federal CU · VTS Check · Ameriprise Financial, Inc. · Law Offices of Brown and Brown, Chartered · California Teleservices, Inc · Frontier Law Group · City Title Loan, LLC · Progreso Financiero · Rothberg Logan & Warsco · Chiari & Ilecki · Linda Strumpf, Esq · Commercial Legal Software, Inc · Commercial Law League of America · Irwin & Streiner LLC · Formalite, Inc · Little, Remick, Capp & West-Watt, PLC · Gordon & Wong Law Group PC · Kohn Law Firm · Triad Financial Services · Municipal Credit Union · The Schreiber Law Firm, LLC · Commercial Collection Corp · Account Recovery Specialists, Inc · Mulinix Ogden · Richardson Plowden & Robinson, P.A. · American Profit Recovery · Infusit · Lustig, Glaser and Wilson, P.C. · Harold Carter, REALTORS · Cra Compliance LLC · Capital Recovery Corporation · Zukeran Law · Roach & Murtha, P.C. · Rosi & Gardner · Elite Collateral Recovery, Inc · Tropical Surveillance and Investigations · Updated June 4, 2014

Sample Course Content

Curious about what the course looks like?

Each section of FDCPA is covered by the text of the act, a video explanation, further written analysis and a short quiz. At the end is a final exam. Below we have included a sample from Section 804 of the FDCPA so you can get a feel for the course content.

Text of the Act (Sample) +

§ 804.  Acquisition of location information  Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall —

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

Analysis (Sample) +

LAYMAN’S RECAP

When you engage in the “acquisition of location information,” (or skiptracing, as it is commonly called), you must always conduct yourself in a professional manner and remember that you are NOT speaking to the consumer, but to a third party who probably has nothing to do with the debt you’re attempting to collect.

Always identify yourself (by your name or alias) when skiptracing, but identify your employer ONLY when expressly asked for the information. Never discuss a consumer’s debt with anyone other than the consumer, the consumer’s spouse, or the consumer’s lawyer (we expand on that later).

Once you reach a third party to ask for location information, you must never call back asking for additional information UNLESS the person requests it, or if you believe the information you were given was false, incomplete, or erroneous. Since that is most often a very subjective call, it is best to remember you typically have only one shot at making a skiptrace call work, and if you blow it, you should move on to other sources.

You may not mail postcards, nor use any language or symbols on the outside of envelopes that identify your company as a debt collector or the purpose of your communication as being attempting to collect a debt. In other words, if the name of your employer is ABC COLLECTIONS, they should use only the initials of the company (ex. ABCC) on the outside of any envelope used to mail letters, so as to not identify the company as a collection agency.

Once you are aware that a consumer is represented by a lawyer you may not contact that consumer again unless you’re unable to reach the lawyer, or he fails to respond to your messages in a reasonable amount of time. Consult your employer to determine if company policy identifies how to handle non-responsive consumer lawyers.

 

THE INDUSTRY SKINNY

This section describes how a debt collector may communicate with any person other than the consumer (a 3rd party) which can only be done for the purpose of acquiring location information about the consumer.

We live in a highly mobile society where it is not uncommon for consumers to change locations, and in some cases to do so often. Most consumers probably do not move just to evade debt collectors, though there are many who certainly do just that. In any case, collectors are constantly looking for updated location information on consumers who are not available at their most recently known location. Skiptracing is a major sector in the debt collection industry.

Today, many skiptracing vendors provide location information and the need for third party contact has been reduced.  However, there is still a frequent need for collection agencies to do their own skiptracing. If you are expected to do that as part of your job, it is important to know the law.

Accordingly, a debt collector must be fully versed in this section of the FDCPA before attempting third party contacts.   When it is necessary to contact a third party directly, it is imperative that you respect the privacy of consumers and not state that any consumer owes a debt.  The entire purpose of the third party contact is to locate the consumer, it is NOT to collect a debt.

When you communicate directly with consumers, you must also be careful about 3rd party disclosure. For instance, mailing a postcard or a letter that conveys the existence of a debt on the envelope would be likely to expose the communication to a 3rd party, and is therefore illegal. A violation of this part of the statute shows a policy of noncompliance, and could be fertile grounds for a class action lawsuit.

Quiz Questions (Sample) +

Question: After a debt collector learns a consumer is represented by an attorney, the collector may still request location information from third parties.

A) True
B) False

Question: A debt collector can communicate with anyone as long as the person promises to keep the conversation private

A) True
B) False

Question: When skip tracing, debt collectors may not:

A) State that the consumer owes a debt
B) Inquire about the consumers lifestyle
C) Ask for help collecting a debt
D) All of these options

Question: When a consumers attorney does not respond to your efforts to communicate, FDCPA says you may:

A) Report the attorney to the Bar Association
B) Begin communicating again with the consumer
C) Go see the attorney in person
D) Leave multiple harassing messages for the nonresponsive attorney
E) None of these options

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Companies who are using FDCPACertification.com… (click for full list)… Ralph E. Lewis II Attorneys At Law · The Dean Legal Group, Ltd. · Sign and Drive Auto Group · North Shore LIJ Health System · CapCall (IOM) Ltd · AIH Receivables · The McHughes Law Firm, PLLC · XCR Solutions LLC · Credit Solutions LLC & Diversified Management · Dynamic Legal Recovery · Mendelson Law Group · Kim Gale · REALTIME RESULTS · Cascade Credit Consulting, Inc. · U.S. 1 Financial LLC. · Resource Management Group · Durham & Durham, LLP · Langsdale Law Firm · Shpondow, LLC · Northwest Collectors · Christopher & Brummett Inc. · Sheena Fernandez · E.J. Hagan Associates · Stone & Hinds PC · Nationwide Recovery Bureau · Senex Law, PC · H & S Financial, Inc. · Curtis | Castillo PC · Mary Jane M. Elliott, P.C. Attorneys at Law · Johnnie B Harrell · Consolidated Management Group · Targosz and Walker Legal Group · Collect2Grow,Inc · Lyons, Doughty & Veldhuis · Dorough & Dorough, LLC · Rainmaker Recovery 3 Inc. · Green Tree Field Services · PROCOLLECT · Capgemini · Collection Bureau of America · First California Mortgage Company · Newman, Mathis, Brady & Spedale · Cavanaugh And Associates · Law Office of Melissa A Ferris · Chaplin & Gonet · Granite City Credit Consultants · Accurate Financial Partners · JFH-AC Financial Services, LLC · Xerox State & Local · N/A · Elite Flooring and Remodeling · Capital Recovery Systems, Inc · Arcadia Recovery Bureau, LLC · Duggins Law Firm · Oakwood Financial Affiliates · Robert O. & Associates · VDC · Key 2 Recovery, Inc · Vitti and Vitti and Associates, PC · Independent Consultant · Fontaine Inspections Inc · Keypoint Credit Union · The Satterwhite Law Firm, P.C. · AutoTrakk, LLC · Jason Michael Katz, P.C. · Eltman, Eltman & Cooper, P.C. · Mid-Atlantic Finance · Admin Recovery, LLC · Law Office of Michelle Reynolds · FCAMEC CREDIT UNION · Innovative Debt Recovery, Inc · Metropolitan Account Services · Sarma · Phin Solutions, inc. · Montana Capital · Berkeley-Hughes · MNGH, LLC · Voss & Klein, LLC · Silver Bay Property Corp. · ICHC · Boulevard Motors · AOG Recovery · Comer & Upshaw, LLP · Barry A. Friedman & Associates, P.C. · JH Capital Group · Sessoms & Rogers, P.A. · Open Door Health Services · Aries Data Collections · Sprechman & Associates, P.A. · Vantage West Credit Union · Collection Resolution Services · Show Me Credit Repair · Henley, Lotterhos & Henley, PLLC · JH Portfolio Debt Equities, LLC · Beam Software · Aldridge, Grammer & Hammar, P.A. · PRWT Services · Goldman & Rosen, Ltd. · Law Offices of Patrick Scanlon, P.A. · Miller & Cohen, P.C. · Missouri Financial Investigations · PDX Auto Collections · MTG Financial, LLC · Money Management LLC · Lustig Glaser and Wilson, P.C. · Wheels Financial Group, LLC. · Law Offices of Niederman, Stanzel & Lindsey · First Tech Federal Credit Union · Collection Angels · Regional Claims Recovery · Legum Law, PLC · DeGrasse & Rolnick · Harrington Anderson & DeBlasio · Bein Haker Law · Mayer & Mayer · Simpson Law Firm, P.A. · Hollins Law · Amos & Muffoletto, LLC · United Asset Collections Group · United Recovery Group · Franklins Tower Financial LLC · Account Receivable Solutions, Inc. · The Satterwhite Law Firm, P.C. · FINVGLOBAL, INC · Impact Enterprises, Inc · Weinstock, Friedman, and Friedman, P.A., · Tidewater Finance Company · Atkins & Ogle Law Office, LC · TAC Acceptance LLC · Gordon & Wong Law Group · Keypoint Credit Union · State of Oregon Dept of Revenue · Cash Factory USA · NFG · Reisenfeld and Associates · Fontaine Inspections Inc · Cummins Crosspoint, LLC · Winter Capriola Zenner, LLC · Louis and Associates · United Debt Holdings · Ray & Wood · Williams Babbit & Weisman · Bieging Shapiro & Barber LLP · Spengler Nathanson, Attorneys at Law · Shermeta, Adams & Von Allmen, P.C. · Arnall Golden Gregory · Bakkalapulo Law Firm · McCabe, Smith, Reynolds & Associates, Inc · Sundance Rentals · Marcadis Singer, P.A. · Bullseye Collection Agency, Inc. · Guy C. Zukeran, AAL, LLLC · Cohen & Associates, PC · North Idaho Credit Corp · Midwest Fidelity Services. LLc · Rodenburg Law Firm · Niederman Stanzel & Lindsey · Twomey and Associates · Cottrell Law Firm · The Duggins Law Firm · Debt Buyers Association · Healthcare Resource Group · Legal Recovery Specialists · Friedman & Associates, LLC · Sheps & Associates, PLLC · Daniels Norelli Scully & Cecere, P.C. · Southern Credit Adjusters Inc · The Law Offices of Steven A. Booska · Legacy Reliance Group · MUTUAL FINANCIAL PARTNERS · CenturyLink · PRS & Associates · Roquemore & Roquemore · Premier Collections · Stokes & Wolf, P.C. · Lexor Funding · RLW Accounts, LLC · Credico, Inc · Law Firm of Yates & Schiller, P.A. · Markind Law Group · Woolwine Law, LLC · Financial Forensic Services · Virginia Judgment Recovery · Capital Investment Services · Money To Go · PFG (Century Group) · Liberty Savings bank,FSB · CA Telemarketing Inc · Neighborhood Watch Security, Inc. · Collective Solution · Ziegler Metzger LLP · Creditor Advocates · Robert A. Sparks Attorney · Kason Credit Coproration · Jefferson Financial CU · World Recovery Service · Law Office of Bierer and Margolis, P.A. · Law Offices of Steven A. Booska · County of Sacramento · Horowitz, Ryan & Bell, Ltd. · Asset Maximization Group · Allied International Credit · Kinnear Law Office, LLC · Patrick A Carey, PA · The Rubinstein Law Firm · Houslanger & Associates · The Law Offices of Ross Gelfand, LLC · Elggren & Peterson, PC · CJA FINANCE, INC. (Cactus Jack’s Autos) · debts2collect.com · Phillips & Cohen Associates, Ltd · Bureau of Collection Recovery Inc. · First Credit Inc. · Vidmar & Hardesty, Ltd. · Chartway Federal CU · VTS Check · Ameriprise Financial, Inc. · Law Offices of Brown and Brown, Chartered · California Teleservices, Inc · Frontier Law Group · City Title Loan, LLC · Progreso Financiero · Rothberg Logan & Warsco · Chiari & Ilecki · Linda Strumpf, Esq · Commercial Legal Software, Inc · Commercial Law League of America · Irwin & Streiner LLC · Formalite, Inc · Little, Remick, Capp & West-Watt, PLC · Gordon & Wong Law Group PC · Kohn Law Firm · Triad Financial Services · Municipal Credit Union · The Schreiber Law Firm, LLC · Commercial Collection Corp · Account Recovery Specialists, Inc · Mulinix Ogden · Richardson Plowden & Robinson, P.A. · American Profit Recovery · Infusit · Lustig, Glaser and Wilson, P.C. · Harold Carter, REALTORS · Cra Compliance LLC · Capital Recovery Corporation · Zukeran Law · Roach & Murtha, P.C. · Rosi & Gardner · Elite Collateral Recovery, Inc · Tropical Surveillance and Investigations · Updated June 4, 2014

Sample Daily Questions

Curious about the daily compliance questions?

Each day, your collectors will receive a single question by email, SMS text or through a software integration. The answers are tracked, and you'll have access to those reports through the admin panel.

Below we have included a small sampling of questions your employees will receive from Section 804 of the FDCPA.

Daily Compliance Questions (Sample) +

Question: After a debt collector learns a consumer is represented by an attorney, the collector may still request location information from third parties.

A) True
B) False

Question: A debt collector can communicate with anyone as long as the person promises to keep the conversation private

A) True
B) False

Question: When skip tracing, debt collectors may not:

A) State that the consumer owes a debt
B) Inquire about the consumers lifestyle
C) Ask for help collecting a debt
D) All of these options

Question: When a consumers attorney does not respond to your efforts to communicate, FDCPA says you may:

A) Report the attorney to the Bar Association
B) Begin communicating again with the consumer
C) Go see the attorney in person
D) Leave multiple harassing messages for the nonresponsive attorney
E) None of these options