Do you think that leaving a message for debt collections violates the FDCA?

IF you say this is _____ please call me at ########## regaurding an important business matter

I'm asking this as a new debt collection agency owner, I have seen alot of debate over whether or not this is within the scope of FDCA

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NO THAT IS VERY LEGIT

your question and following statement are different, On the first question = any one can leave a message for debt collectors, what ever you want to say. Your example is a proper message for a collector to leave you because it does not disclose that you have a debt owed if come else were to hear this message.Also it is the FDCPA fair debt collections practices act.

It is a legal message. Even though everyone knows what an "important business matter" means, it COULD have other uses. The phrase could apply to any business that would call you.

Unless the message makes specific reference to collections in the voice mail message, then a violation has not occurred.

The fact that they are contacting you regarding an unpaid debt is, in fact, a business matter.

If you were appropriately handling your financial business, they wouldn't be calling you in regards to this matter.

To leave a name and number where the "unidentified" collector can be reached is in full compliance with the Fair Debt Collection Act.

A question I would like to ask is, are you going to call them or are you going to let this credit problem marinate a little longer?

robug, quit splitting hairs. Even the FTC, who enforces the Fair Debt Collections Act, calls it the FDCA in many of their documents.

And once again, we get people who would prefer to preach instead of answering the question.

Yes, not only is the message legal, it's required by the FDCA. They must contact you 30 days prior to actually beginning enforcement. This usually is done by both a letter and a phone call.

If you send them a "cease and desist" letter, then any future calls or letters will be illegal and they can be liable. But until they get the cease letter they can do what they want.