Debt Collection Archives

Comments to MBTA Regarding Proposed Fare Evasion Regulations

April 30, 2021

These comments highlight the compounding harm that debt-based barriers to driver’s license renewals cause to low-income people, and particularly to low-income people of color.

Comments to CFPB on Qualitative Testing of Validation Notice

July 29, 2020

NCLC Comments to CFPB on its Qualitative Testing of Validation Notice

Comments Regarding Remote Debt Collection WAC Amendment

December 23, 2020

Comment Letter to WA Dept. of Licensing re: Proposed amendments to WAC 308-29-010 and new WAC 308-29-085

Comments on Debt Collection Practices, Supplemental Proposal on Time-Barred Debt

August 3, 2020

Comments to the CFPB re: Comments on Debt Collection Practices (Regulation F), Supplemental Proposal on Time-Barred Debt, 85 Fed. Reg. 12676, CFPB Docket CFPB-2020-0010, RIN 3170- AA41

CFPB Debt Collection Rule Must Protect Consumers, Not Abusive Collectors

May 1, 2019

The Consumer Financial Protection Bureau (CFPB) has proposed a rule governing third-party debt collectors. The proposal adds some consumer protections but also weakens the Fair Debt Collection Practices Act (FDCPA) by undermining its goals of stopping harassment, protecting consumer privacy, and preventing collection against the wrong person or in the wrong amount.

Building a California Seawall Against the Tsunami of Debt Collection Caused by COVID-19: Mortgage Relief

November 17, 2020

Brief examines key concepts surrounding real alternatives to foreclosures.

Amicus Brief in United States Aid Funds, Inc. v. Espinosa

October 20, 2009

Argued that the Fair Debt Collection Practices Act’s bona fide error defense was not intended by Congress to apply to mistakes of law by debt collectors. Since the bankruptcy court’s error in confirming a Ch. 13 plan discharging a portion of the student loan debt without first finding undue hardship in an adversary proceeding was…

Borrowing from Our Future: The Case for Cancelling Student Debt

August 10, 2020

Part of the Congressional Progressive Caucus Center’s Coronavirus Explainer series featuring contributions from NCLC and allied organizations.

Assisting Consumers with Rental Debt During COVID-19: Legal Aid and Non-Profit Attorneys Share Their Experiences

December 14, 2021

NCLC survey of Legal Aid and non-profit attorneys reveals credit reporting and debt collection consequences of alleged rental debt.

Appendix B: Companies With the Most Debt Collection Complaints in 2017

February 4, 2019

Appendix B of Consumer Complaints About Debt Collection: Analysis of Unpublished Data from the FTC

Appendix A: Number of Debt Collection Complaints in 2017 by Jurisdiction