Submission Number: 00028
Received: 11/8/2010 4:55:25 PM
Commenter: Francesca di Poppa
Agency: Federal Trade Commission
Initiative: Statement of Policy Regarding Communications in Connection with Collection of a Decedent’s Debt; Project No. P104806
Attachments: No Attachments
I am opposed to the proposal to not bring enforcement action against violations of Section 805(b) of the Fair Debt Collection Practices Act. Debt collection agencies are well known for abusing the law. To eliminate enforcement is not only inconsistent with the purpose of the law, but is virtually certain to expose individuals to additional abuse. I support forbidding debt collection agencies from contacting individuals (other than the person who has authority over the decedent's estate) more than once without the explicit permission of the individual. Any misrepresentation of an individual's obligations to pay a debt, about the nature or amount of the debt, and about the nature or enforcement power of the debt collection agency; any repeated contact with someone without his or her permission; in short, any violation should be prosecuted to the full extent of the law. We need more, not less enforcement against violations from this industry. News about their abuse come up every single day in every state. What purpose would less enforcement serve, other than the interests of the industry? The interest of the industry should not be among the FTC priorities, especially when it conflicts with consumer protection practices.