Topic archive
Research and practical notes filed under this topic.
December 15, 2025
Debt buyers can face overlapping privacy obligations when they acquire or service consumer accounts, but coverage and exemptions are fact-specific. This guide explains GLBA Safeguards Rule controls, California CCPA scope, deletion-request limits, vendor governance, and breach-risk questions to evaluate with counsel.
Read the analysisNovember 13, 2025
Debt collection litigation is a court process for resolving a claimed debt; filing a case is not proof of liability or a guarantee of recovery. This guide explains pre-suit review, consumer response, judgments, and enforcement while distinguishing federal protections from state-specific requirements.
Read the analysisNovember 13, 2025
The FDCPA, CFPB Regulation F, and TCPA overlap but do different work in consumer-debt communications. This federal overview explains how to map an activity to the applicable rule, manage validation information and consumer requests, and account for state-law and fact-specific limits.
Read the analysisNovember 13, 2025
Compliance due diligence helps a debt buyer identify whether a portfolio’s records, communication history, and operating plan can support lawful servicing and collection. It should inform price, contractual protections, onboarding controls, and the decision not to acquire accounts whose risks cannot be evaluated or managed.
Read the analysisNovember 13, 2025
A debt portfolio is a group of receivable claims whose value depends on expected net collections, the time required to collect them, and the limits attached to each account. This framework explains how to segment a portfolio, test its data and assumptions, account for cost and compliance risk, and avoid treating face balance as value.
Read the analysisNovember 13, 2025
Acquiring a debt portfolio responsibly requires more than pricing a face balance. This guide sets out a diligence sequence for testing ownership evidence, account data, economics, and consumer-protection readiness before a bid is made.
Read the analysisJanuary 18, 2025
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practices, credit reporting, and broader consumer-protection conduct. This federal overview explains the scope of each framework, the operational questions to ask, and why state-law and fact-specific legal review still matter.
Read the analysisJanuary 15, 2025
A debt-collection statute of limitations sets a deadline for filing a lawsuit; it does not automatically erase the underlying debt. This article explains why a reliable 50-state review requires account-level analysis of jurisdiction, claim type, timing, actor status, and current primary law.
Read the analysisJanuary 11, 2025
A statute of limitations generally limits the time available to bring a lawsuit over a debt; it does not necessarily make the account disappear. The applicable deadline, whether a payment or acknowledgment can affect it, and what collection activity remains permissible depend on the debt, the parties, the governing state law, and the facts.
Read the analysisJuly 9, 2018
The Office of the Comptroller of the Currency’s consumer debt-sale guidance explains how OCC-supervised banks should manage risk when selling charged-off consumer accounts to debt buyers. It is supervisory policy for those banks, not a complete statement of consumer rights or a blanket prohibition on debt sales; the applicable federal and state rules depend on the actor, account, and facts.
Read the analysis