New Consumer Strategy for Baiting FDCPA Violations and Use of Text Messages in Debt Collection ("The Debt Collection Drill")

Consumers using scripts to bait debt collectors into Fair Debt Collection Practice Act (FDCPA) violations is certainly nothing new; insideARM has been publishing articles about this issue for years.

While the practice of consumers baiting collectors into FDCPA violations is well-established, the specific techniques and scripts used continue to change and evolve. A new trend is sweeping across the country about which all debt collectors should be aware.

In the latest episode of The Debt Collection Drill podcast, Moss & Barnett attorneys John Rossman and Mike Poncin discuss this latest call baiting strategy and provide specific steps debt collectors can take to avoid an FDCPA violation when faced with a consumer using this script. Attorneys Rossman and Poncin also discuss the “new frontier” of debt collectors using text messages and how to potentially overcome the regulatory and legal hurdles with use of this technology.