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Debt Collectors & FDCPA Violations You Need to Know

Name: Debt Collectors & FDCPA Violations You Need to Know
Uploaded: 2025-09-03T18:34:41-04:00
Channel: Brian Parker
Description: AMEX sued and lost. Learn how real legal tactics exposed weak evidence and flipped the case—tools you can use in your own defense.

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Debt Collectors & FDCPA Violations You Need to Know

Includes Full-Length Instructional Video, Document Downloads, Key Points & Practical Strategies

This analysis examines the Rocky v. Med-1 Solutions case where the Indiana Court of Appeals overturned a district court ruling based on a debt collector’s misinterpretation of consumer correspondence. The case highlights the critical distinction between cease and desist letters (15 U.S.C. § 1692c) and validation requests (15 U.S.C. § 1692g), and how debt collectors’ legal mistakes can void their bona fide error defense. The court’s ruling established that mistakes of law (misinterpreting legal requirements) are not protected by the bona fide error defense, unlike mistakes of fact. This precedent strengthens consumer protection by holding debt collectors accountable for properly understanding and categorizing consumer communications, making precise language in dispute letters crucial for effective debt defense strategies.

Documents included with this video:

Crown Asset Management Debt Validation Letter Template
Comprehensive debt validation letter template combining FDCPA and FCRA protections to challenge unrecognized debts on credit reports and demand proof of legitimacy.
Cease and Desist Letter Template
Complete template for stopping debt collector harassment and protecting your credit report. Includes all essential legal language and personalization fields.
FDCPA Cease vs Validate Letters Analysis
Master the critical differences between FDCPA cease and desist versus validation letters through the Rockey v. Med-1 case analysis. Learn why debt collectors can’t claim legal interpretation mistakes as defenses.

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Brian Parker

Hi, I am Brian Parker. My collection solutions leverage more than 30 years of rigorous legal battles and lawsuits against creditors and financial bad guys across various state and federal jurisdictions (I have seen it all). From insightful video tutorials and comprehensive course materials to a wealth of customizable legal documents, we equip you with battle-tested strategies to fortify your collection self-defense. Each video distills decades of legal wisdom and content into digestible, 10-30 minute segments, backed by a trove of research and practical tools (behind the curtain people rarely see), promising unmatched value for your membership investment.