What must be proven in a Fair Debt Collection Practices Act Case

27 Aug

• To establish a prima facie case for violation of the FDCPA requires plaintiff to prove four elements:
(1) the plaintiff is any natural person who is harmed by violations of the FDCPA, or is a “consumer” (15 U.S.C.A. § 1692a(3)) when the cause of action is for a violation of 15 U.S.C.A. § 1692c (communication in connection with debt collection) or 15 U.S.C.A. § 1692e(11) (requiring the debt collector provide the consumer with the “mini-Miranda” warning) [§ 9];
(2) the “debt” arises out of a transaction entered primarily for personal, family, or household purposes; 15 U.S.C.A. § 1692a(5) [§ 9];
(3) the defendant collecting the debt is a “debt collector” within the meaning of 15 U.S.C.A. § 1692a(6) [§ 9];
(4) the defendant has violated, by act or omission, a provision of the FDCPA, 15 U.S.C.A. § 1692a-1692o. 15 U.S.C.A. § 1692k [§ 9].

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