Faculty Course Information

Webcam

Top FDCPA Violations and More: How Debt Collectors Are Breaking the Law

Abusive, Deceptive, and Unfair Collection Tactics

Division
NBI (98313)
Event Date
05/23/2024
Event Time
11:00 AM - 2:15 PM EDT
Event Planner
Nicole Vandermoss
Email
nicole.vandermoss@nbi-sems.com
Phone
(715) 835-8525

Program Description

Abusive, Deceptive, and Unfair Collection Tactics

Are you trying to navigate through the FDCPA, Regulation F, and all their complexities? Join our experienced faculty as they will show you the top mistakes that debt collectors make regarding the FDCPA and Reg F. Get tested tactics and tips on how to avoid common mistakes and be ready for anything - register today!

  • Avoid common mistakes when utilizing Mini-Miranda warnings.
  • Learn the rules concerning third-party disclosures.
  • Distinguish certain discussions that can cause trouble for collectors.
  • Know the ins and outs about behaviors that violate the FDCPA.

Who Should Attend

This course is designed for attorneys. Debt collectors, accountants, and paralegals may also benefit.


Course Content

  1. Top Errors Made with Mini-Miranda Rights and Disclosures
  2. Debtor Cease and Desist Request Violations
  3. Mistakes with Time-Barred Debt
  4. False, Deceptive, and Misleading Representations
  5. Top Debt Verification Mistakes
  6. Failure to Send Written Debt Validation Notices
  7. Harassment Via Repeated and Continuous Phone Calls
  8. Mistakes Made with Voicemails, Texts, Social Media Messages, and Other Communications
  9. Discussing Litigation: Do's and Don'ts
  10. Dangerous Vocabulary and Language in Collector Discussions

Agenda / Content Covered

All times are shown in Eastern time.
  1. Top Errors Made with Mini-Miranda Rights and Disclosures
    11:00 - 11:15, Tonya M. Esposito, Anne V. Dunne
  2. Debtor Cease and Desist Request Violations
    11:15 - 11:30, Tonya M. Esposito, Anne V. Dunne
  3. Mistakes with Time-Barred Debt
    11:30 - 11:45, Tonya M. Esposito, Anne V. Dunne
  4. False, Deceptive, and Misleading Representations
    11:45 - 12:05, Tonya M. Esposito, Anne V. Dunne
    1. Misrepresentation of Debts and Balances
    2. Illicit Interest, Fee, and Expense Requests
  5. Top Debt Verification Mistakes
    12:05 - 12:20, Tonya M. Esposito, Anne V. Dunne
  6. Failure to Send Written Debt Validation Notices
    12:35 - 12:55, Tonya M. Esposito, Anne V. Dunne
  7. Harassment Via Repeated and Continuous Phone Calls
    12:55 - 1:15, Tonya M. Esposito, Anne V. Dunne
  8. Mistakes Made with Voicemails, Texts, Social Media Messages, and Other Communications
    1:15 - 1:35, Tonya M. Esposito, Anne V. Dunne
  9. Discussing Litigation: Do's and Don'ts
    1:35 - 1:55, Tonya M. Esposito, Anne V. Dunne
  10. Dangerous Vocabulary and Language in Collector Discussions
    1:55 - 2:15, Tonya M. Esposito, Anne V. Dunne

Materials Due Date: 04/18/2024


Event Materials Support

Email: eventmaterials@nbi-sems.com

Phone: (800) 777-8707



Anne V. Dunne focuses her practice on commercial litigation, concentrating on financial services, class action defense, government investigations, and whistleblower litigation. She handles claims in both state and federal courts on behalf of a wide range of clients; including consumer banks, financial services companies, national banks, mortgage lenders and servicers, credit card issuers, short-term lenders, student lenders, manufacturers, and large national retailers. Ms. Dunne counsels clients on compliance with state and federal statutes and regulations, including TILA, FDCPA, TCPA, RESPA, ECOA, FCRA, Dodd-Frank, SOX, Chapter 93A, CUTPA, RFDCPA, and CCPA. Additionally, she litigates claims of trade secret misappropriation, unfair competition, and breach of restrictive covenant agreements. Ms. Dunne also represents corporations, officers and directors on securities litigation matters, shareholder derivative actions, and other complex commercial disputes. She received her A.B. degree from College of the Holy Cross and her J.D. degree from University of Georgia School of Law.

Tonya M. Esposito focuses her practice on a variety of consumer issues, including financial services, antitrust, and marketing and advertising. She has considerable experience representing clients in private litigation, as well as in government investigations brought by state attorneys general, Federal Trade Commission (FTC), U.S. Department of Justice (DOJ), Food and Drug Administration (FDA), and Consumer Financial Protection Bureau (CFPB). With deep experience representing a variety of financial institutions in both litigation and compliance matters, Ms. Esposito represents clients in litigation involving claims brought under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Telephone Consumer Protection Act (TCPA), state deceptive acts and practices laws (UDAAP), and many types of internal and government investigations. She regularly handles matters involving credit cards, student loans, residential and commercial mortgages, as well as privacy and FinTech issues. Ms. Esposito also represents clients in complex domestic and multinational antitrust investigations and litigation across a wide range of industries, including health care, air passenger and air cargo, higher education, TFT-LCD and CRT products, automotive parts, and rubber chemicals, as well as in complex commercial matters including class action litigation. She regularly helps clients develop and implement compliance programs, including training and policy drafting, addressing virtually all aspects of state and federal competition laws. Ms. Esposito also has deep experience representing clients in merger investigations brought by both the FTC and DOJ, as well as formulating strategies for negotiating and responding to second requests for information. She also represents a variety of consumer products companies in investigations, substantiation proceedings, and litigation brought by the FTC, FDA, the state Attorneys General, as well as private litigants. Ms. Esposito works with clients to develop and implement compliant marketing and advertising campaigns and also helps them defend the full scope of consumer claims brought by individual and class counsel, including the Telephone Consumer Protection Act, privacy laws, autorenewal laws, and beyond. She has considerable experience representing clients in the personal care products, cosmetics, luxury brands, weight loss and wellness companies, dietary supplements, and food manufacturer markets. As a Washington lawyer, Ms. Esposito represents companies and individuals in all phases of government and internal investigations, as well as in enforcement proceedings. She earned her B.A. degree from Trinity College and her J.D. degree from American University Washington College of Law.

Accreditation

Email: credit@nbi-sems.com

Phone: (866) 240-1890

Customer Service

Email: customerservice@nbi-sems.com

Phone: (800) 930-6182

Event Materials Support

Email: eventmaterials@nbi-sems.com

Phone: (800) 777-8707


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