Can a law firm and its employees, who pursued forclosure on behalf of creditors, be considered “debt collectors”, thus falling under the federal Fair Debt Collection Practices Act (FDCPA)? In this recent post Richard Payne, who writes for The Consumer Financial Service Blog, discusses a recent case where the 4th Cir. Holds Foreclosure actions as FDCPA debt collection.

4th Cir. Holds Foreclosure is FDCPA ‘Debt Collection,’ Mere Servicer Need Not Provide TILA Notice of Assignment of Loan

The U.S. Court of Appeals for the Fourth Circuit recently confirmed that a law firm and its employees, who pursued foreclosure on behalf of creditors, were acting as “debt collectors” under the federal Fair Debt Collection Practices Act (FDCPA) when they pursued foreclosure proceedings against a borrower.
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