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2024 FDCPA: Key Updates to the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) serves as a foundational piece of legislation protecting consumers from abusive debt collection practices. This blog post outlines key elements of the FDCPA, covering crucial sections such as communication guidelines, legal limitations, and consumer rights. It provides a clear and actionable understanding for businesses and financial managers to maintain compliance while building trust and professionalism in their debt recovery efforts. For businesses looking to streamline their debt collection process, adhering to FDCPA guidelines is essential for long-term success.

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2019 Fair Debt Collection Practices Act

The Federal Trade Commission (FTC) is the nation’s consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace. For your information is available the 2019 Fair Debt Collection Practices Act. FDCPA 2019

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Collection Agency Mississippi
Mississippi

In Mississippi, no pre-lien notices are required. Mechanic’s lien laws specifically include engineers as long as actual work is underway. A lien must be filed within 12 months from when unpaid fees were due.

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Collection Agency Minnesota
Minnesota

A pre-lien notice is only required on smaller residential projects. It is not required on construction of 5000 square feet or more

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Collection Agency Michigan
Michigan

For subcontractors, a pre-lien notice must be filed within 20 days of first furnishing services. For others, a mechanic’s lien must be filed within 90 days of last furnishing services

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Collection Agency Massachusetts
Massachusetts

A person to whom a debt is due for personal labor performed in the erection, alteration, repair or removal of a building or structure upon land or improvement or alteration

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Collection Agency Maryland
Maryland

A pre-lien notice is required of any subcontractor that does not have a direct contract with the owner. It must be filed within 120 days after furnishing services

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Collection Agency Maine
Maine

Maine Lien Law establishes that a mechanic’s lien is not required by anyone with a direct contract with the owner. Others seeking payment must file

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Collection Agency Louisiana
Louisiana

Louisiana Lien Law states that the lien must be filed within 60 days of notice of termination or completion of services. For a subcontractor, the time limit is 30 days

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Collection Agency Kentucky
Kentucky

Kentucky requires a “Notice of intent to file lien” for all those who do not have a direct contract with the owner. The pre-lien notice for commercial projects must be filed within 120 days

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