Daily Digest - February 25, 2025

Brought to you by: TCN’s C3 User Conference | By Mike Gibb

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Mike Gibb
February 25, 2025

🎂🎉 Happy Birthday to: Jordan Seymour from Orbita Capital Group, Kyle Collins from Spring Oaks Capital, and Joel Rickman from Equifax. 🥳🎁

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Sending Letter with Payment Voucher After Refusal to Pay Sets Off FDCPA Suit

  • As has been mentioned before, sometimes the information included in a complaint lacks all the relevant details. I’m sure this is intentional in some cases and unintentional in others, and at the outset, I admit I have no idea which side this case falls into. But even though the plaintiff failed to include the letter in question that is the basis for this lawsuit, it still is worth mentioning. A collector is facing claims it violated the Fair Debt Collection Practices Act because it sent a letter to the plaintiff after the plaintiff indicated a refusal to pay the debt; a letter which included a payment voucher that the plaintiff claims was an attempt to collect on the debt.

  • More details here

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Appeals Court Overturns Dismissal of FDCPA Suit, Rules Receipt of Letter Confers Standing

  • In a ruling that — to this non-lawyer appears to take the issue of standing and turn it on its head — the Court of Appeals for the Ninth Circuit has reversed a lower court’s dismissal of a Fair Debt Collection Practices Act suit, ruling that the receipt of a letter after being informed that the individual was represented by an attorney — a tangled situation in this case — is enough for the plaintiff to have standing to pursue a lawsuit in federal court.

  • More details here.

Keeping Up With Everything Going on Surrounding the CFPB

  • The pace of news related to the future of the Consumer Financial Protection Bureau shows no signs of slowing down. As we get ready for the confirmation hearing for Jonathan McKernan to be the new Director of the CFPB later this week, here are some other developments involving the regulator.

  • More details here.

Money on Mute: How 1 in 4 Consumers Are Ghosting Their Finances

  • Data from a new survey from reveals a sobering yet opportunity-rich snapshot for credit and collection professionals and the broader financial ecosystem — amid persistent stress and rising consumer expectations, there’s a clear desire for more seamless, data-driven experiences that reduce friction in the repayment process.

  • More details here.

WORTH NOTING: When is the time to have the courage to quit? ... Is this the answer to outsmarting seat squatters on airplanes? ... I can't ever see myself doing this, but more Americans are raising their own chickens because of a nationwide egg shortage. God help us if there is ever a shortage of toilet paper, because I can't wait that long for new trees to grow ... Five time-saving Alexa commands you probably aren't using ... The best cars, trucks, and SUVs of 2025 ... How owning a home has become a trap for many Americans ... The U.S. economy depends on rich people now more than ever ... Winners from the World Nature Photographer Awards.

Trailer Tuesday, part I

Trailer Tuesday, Part II

The Daily Digest is sponsored by TCN’s C3 User Conference