{"product_id":"fair-debt-collection-practices-act-volume-1-9798330294909","title":"Fair Debt Collection Practices Act: Volume 1","description":"\u003cp\u003e • Author(s): Landmark Publications\u003cbr\u003e • Publisher: Landmark Publications\u003cbr\u003e • Publisher Imprint: Landmark Publications\u003cbr\u003e • BISAC: General\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eTHIS CASEBOOK contains a selection of U. S. Court of Appeals decisions that analyze, discuss and interpret provisions of the Fair Debt Collection Practices Act. Volume 1 of the casebook covers the District of Columbia Circuit and the First through the Fifth Circuit Court of Appeals.\u003c\/p\u003e\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e\u003cp\u003eAttempting to collect on a time-barred debt does not per se violate the FDCPA. Manuel, 956 F.3d at 829; see also Mahmoud v. De Moss Owners Ass'n, Inc., 865 F.3d 322, 333 (5th Cir. 2017) (holding it was not a violation of the FDCPA to collect a partially time-barred debt when only a small portion was subject to the statute of limitations); Holzman v. Malcolm S. Gerald \u0026amp; Assocs., Inc., 920 F.3d 1264, 1273-74 (11th Cir. 2019) (\"[C]ourts generally have recognized that the FDCPA does not impose a bright-line rule prohibiting debt collectors from attempting to collect on time-barred debt.\"). But a debt-collector can run afoul of the FDCPA by threatening judicial action while completely failing to mention that a limitations period might affect judicial enforceability. Manuel, 956 F.3d at 831 (emphasizing that disclosure of a potential limitations problem \"might give a consumer at least some inkling that the debt might be too old to be legally enforceable\"). As we have explained: \u003c\/p\u003e\u003cp\u003eWhen a collection letter creates confusion about a creditor's right to sue, that is illegal. The FDCPA singles out as unlawful the false representation of the character, amount, or legal status of any debt. Whether a debt is legally enforceable is a central fact about the character and legal status of that debt. A misrepresentation about the limitations period amounts to a straightforward violation of   1692e(2)(A).\u003c\/p\u003e\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e\u003cp\u003eDaugherty v. Convergent Outsourcing, Inc., 836 F.3d 507, 512 (5th Cir. 2016) (quotation omitted).\u003c\/p\u003e\u003cbr\u003e\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e","brand":"Atlantic Books","offers":[{"title":"Paperback","offer_id":46401371766935,"sku":"9798330294909","price":11390.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9798330294909.webp?v=1769056273","url":"https:\/\/atlanticbooks.com\/products\/fair-debt-collection-practices-act-volume-1-9798330294909","provider":"Atlantic Books","version":"1.0","type":"link"}