Fair Debt Collection Practices Act v FSA, LLC. Could they BUY higher than a C- BBB rating?





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Published on Nov 12, 2010

First Source Advantage BBB rating C- Based on 267 complaints, mostly unresolved or slowly resolved!

All of the complaints included in this video, along with MANY, MANY MORE can be found here:

...as well as on similar sites that I discovered by Googling the number from which they called me
Example: http://www.debtconsolidationcare.com/...

Here are the Civil Remedies available by statute to persons who are offended by the practices of this or any other qualified Debt Collection Agency.

As amended by Pub. L. 109-351, §§ 801-02, 120 Stat. 1966 (2006)

§ 813. Civil liability
(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title
with respect to any person is liable to such person in an
amount equal to the sum of—

15 USC 1692k

(1) any actual damage sustained by such person as a result
of such failure;

(2) (A) in the case of any action by an individual, such
additional damages as the court may allow, but not
exceeding $1,000; or

(B) in the case of a class action,

(i) such amount for each named plaintiff as could
be recovered under subparagraph (A), and

(ii) such amount as the court may allow for all
other class members, without regard to a mini-
mum individual recovery, not to exceed the
lesser of $500,000 or 1 per centum of the net
worth of the debt collector; and

(3) in the case of any successful action to enforce the
foregoing liability, the costs of the action, together with
a reasonable attorney's fee as determined by the court.

On a finding by the court that an action under this
section was brought in bad faith and for the purpose
of harassment, the court may award to the defendant
attorney's fees reasonable in relation to the work ex-
pended and costs.

(b) In determining the amount of liability in any action un-
der subsection (a), the court shall consider, among other
relevant factors—

(1) in any individual action under subsection (a)(2)(A),
the frequency and persistence of noncompliance by the
debt collector, the nature of such noncompliance, and
the extent to which such noncompliance was intention-
al; or

(2) in any class action under subsection (a)(2)(B), the
frequency and persistence of noncompliance by the
debt collector, the nature of such noncompliance, the
resources of the debt collector, the number of persons
adversely affected, and the extent to which the debt
collector's noncompliance was intentional.

(c) A debt collector may not be held liable in any action
brought under this title if the debt collector shows by a
preponderance of evidence that the violation was not inten-
tional and resulted from a bona fide error notwithstanding
the maintenance of procedures reasonably adapted to avoid
any such error.

(d) An action to enforce any liability created by this title may
be brought in any appropriate United States district court
without regard to the amount in controversy, or in any
other court of competent jurisdiction, within one year from
the date on which the violation occurs.

(e) No provision of this section imposing any liability shall
apply to any act done or omitted in good faith in conformi-
ty with any advisory opinion of the Commission, notwith-
standing that after such act or omission has occurred, such
opinion is amended, rescinded, or determined by judicial
or other authority to be invalid for any reason.


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