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Maryland Court Finds Voice Message Did Not Violate Fair Debt Collection Practices Act - FDCPA

A Maryland federal district court recently held that a debt collector's voice message, which was similar to the ACA's suggested voice message, did not violate the Fair Debt Collection Practices Act.

The collection agency left a voice message for the consumer at her father's residence. The consumer claimed she didn't live with her father, and that the message violated the FDCPA because the message constituted a third party disclosure. The court dismissed the claim, because the message included a disclaimer telling individuals other than the consumer to discontinue listening. The court reasoned that the message gave third parties ample opportunity to delete or ignore the message, and that the message was specifically directed to the consumer )Collier v Professional Bureau of Collections, Case No. GLR-12-860, 2012 WL 3745720 (D. Md. Aug 28, 2012)).

Leaving messages for consumer debtors is risky, but this is a nice win for agencies who choose to leave messages similar to ACA's suggested voice message.

© 2022 Varnum LLPNational Law Review, Volume II, Number 304
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About this Author

Randall J. Groendyk, Varnum law firm Creditor's Rights Attorney, Civil Litigation Lawyer
Counsel

Randy focuses his practice on creditor's rights law, including collections, bankruptcy, landlord-tenant, claim and delivery, foreclosure, and commercial and general civil litigation. His specialties also include Fair Debt Collection Practices Act and Fair Credit Reporting Act defense and compliance review.

Honors & Recognitions

Martindale-Hubbell® Distinguished™ Peer Review Rated

Professional Affiliations

ACA International

Commercial Law League of America

Grand Rapids Bar Association

Michigan Association of Collection...

616/336-6573
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