Top 12 Ways Debt Collectors are Currently Breaking the Law: FDCPA Violations and More

Agenda / Content Covered

11:00 AM - 12:15 PM Eastern, Sonia J. Buck

1. The "Mini-Miranda" Warning - Top Errors Made
2. Debtor Cease and Desist Request Violations
3. Mistakes in Collecting Any Amount of the Debt
4. The Prohibition Against False, Deceptive and Misleading Representations
5. Verification of a Debt - Top Mistakes That Lead to Suits
6. How the Discussion of Garnishing Wages Can Land Debt Collectors in Hot Water

12:30 - 2:15 PM Eastern, Ernest H. Kohlmyer

7. Not Calling the Debtor at the Correct Times
8. Leaving Messages, Calling Third Parties, Calling at Work and More
9. Dealing with Consumer "Stalls" While Remaining Compliant
10. Oversights When Discussing Litigation with the Consumer and Third Parties
11. Mistakes Made in the Notice Drafting Process
12. Risky Vocabulary and Language in Collector Talk-Offs

Accreditation Details:

SONIA J. BUCK is an attorney at the firm of Brock & Scott, PLLC. Her practice areas include foreclosures, loan restructuring, creditors’ rights, collection, and bankruptcy. Ms. Buck is a trained mediator and has mediated for Maine’s Foreclosure Diversion program. She has written several articles for American Bar Association publications and has also published a book, Movie Therapy for Law Students. Ms. Buck has also been adjunct faculty at Kaplan University, where she has taught paralegal and business classes. She earned her B.A. degree, cum laude, from the University of Southern Maine and her J.D. degree, magna cum laude, from the University of Maine School of Law.

ERNEST H. KOHLMYER is a partner with Shepard, Smith, Kohlmyer & Hand, P.A. He practices in the areas of FDCPA and FCRA defense on behalf of collection agencies and credit grantors in the state of Florida. Mr. Kohlmyer also represents governmental entities in the central areas of civil rights and constitutional law. He is a regular speaker on the areas of debt collection and credit bureau reporting issues for the Florida Collectors Association and ACA International. Mr. Kohlmyer has been a member of ACA International's Member's Attorney Program (MAP) (former chairman), and has served as Florida's state unit representative. He currently serves on the ACA Legislative Council and is a board member for the ACA International Foundation. Mr. Kohlmyer is licensed in both the state and federal courts in Florida and Georgia. He is admitted to practice before the U.S. Court of Appeals for the Eleventh Circuit and the U.S. Supreme Court. Mr. Kohlmyer earned his B.S. degree from Florida State University and his J.D. degree from the University of Dayton School of Law.