Legal debt collector actions under FDCPA section (I) allow debt collection lawsuits against consumers for the purpose of obtaining court judgments for debts but, only in the judicial district where the consumer resides or signed the contract, except that an action to enforce a security interest in real property which secures the obligation must be brought where the property is located. Even after a judgment is awarded, bill collectors, creditors, and debt collectors still have to figure out how to collect the debt from you!
- Waiver of rights
- Multiple defendants (ex-spouses)
- Where collectors can sue for real estate debts
- Where collection agents can sue for oral agreements
- Judgments can be enforced across State lines!
- Scope of section 811
You can waive your rights under the FDCPA but, you must provide the waiver directly to the debt collector (not to the creditor in the contract establishing the debt), because the forum restriction applies to actions brought by the debt collector.
Since a debt collector may sue only where the consumer (1) lives or (2) signed the contract, the collector may not join an ex-husband as a defendant to a suit against the ex-wife in the district of her residence, unless he also lives there or signed the contract there. The existence of community property at her residence that is available to pay his debts does not alter the forum limitations on individual consumers.
A debt collector may sue based on the location of a consumer’s real property only when he seeks to enforce an interest in such property that secures the debts.
Where services were provided pursuant to an oral agreement, the debt collector may sue only where the consumer resides. He may not sue where services were performed (if that is different from the consumer’s residence), because that is not included as permissible forum location by this provision.
If a judgment is obtained in a forum that satisfies the requirements of this section, it may be enforced in another jurisdiction, because the consumer previously has had the opportunity to defend the original action in a convenient forum.
This provision applies to lawsuits brought by a debt collector, including an attorney debt collector, when the debt collector is acting on his own behalf or on behalf of his client.
If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:
- Clicking here for a FREE* Fair Debt Case Review;
- Calling toll free 888-FDCPA-LAW (888-332-7252);
- Clicking here to locate a FREE* Fair Debt Lawyer.
The debt collector may just be liable to you for statutory damages of to $1,000, plus any actual damages suffered, plus attorney fees!