Hart v. Credit Control, LLC

A voicemail can, and will, be considered a communication under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692, if the voicemail reveals that the call was from a debt collection company and provides instructions and information to return the call. Meaningful disclosure is provided as long as the caller reveals the nature of the debt collection company's business, which can be satisfied by disclosing that the call is on behalf of a debt collection company, and the name of the debt collection company. In this case, the Eleventh Circuit reversed in part and affirmed in part the district court's dismissal of plaintiff's claims against Credit Control, alleging that Credit Control violated the FDCPA not only by failing to provide the required disclosures for initial communications with consumers, but also by failing to provide meaningful disclosure. View "Hart v. Credit Control, LLC" on Justia Law