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Debt Purchasers Collecting On Their Own Behalf Are Not “Debt Collectors” Under The FDCPA

LexisNexis (August 1, 2017, 1:34 PM EDT) -- Disruptive dinnertime calls, downright deceit, and more besides drew Congress’s eye to the debt collection industry. From that scrutiny emerged the Fair Debt Collection Practices Act, a statute that authorizes private lawsuits and weighty fines designed to deter wayward collection practices. So perhaps it comes as little surprise that we now face a question about who exactly qualifies as a “debt collector” subject to the Act’s rigors.

Henson v. Santander Consumer USA Inc., 2017 U.S. LEXIS 3722 (2017). Those words usher in the Justice Gorsuch era...
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