Monday, January 30, 2017

Getting Unwanted Calls On Your Cell Phone

Have you been receiving unwanted calls on your cell phone?  Such calls often come from creditors, debt collectors, and debt buyers such as   If you have not given such entities as the above permission to call your cell phone or even your residential phone, each call can be a violation of the .  If the calls are from a debt collector, debt purchaser, or , these are also violations of the .

If you are recieving or have recieved calls such as these, contact at today.  The calls will stop, we will obtain money for you, and often times make the debt you are alleged to owe go away as a part of settlement.  We represent clients throughout and nationwide.

Thursday, January 19, 2017

Debt Collectors Calling?

Are debt collectors calling you in Tennessee or West Virginia?  If so, their calls could be in violation of the Telephone Consumer Protection Act.  What does that mean for you – money in your pocket and perhaps more!  If you’re getting these calls, contact us at Barnette Law Offices today!

Consumer[5]

Technorati Tags: Telephone Communication Protection Act,Tennessee Telephone Consumer Protection Lawyers,Nashville Telephone Consumer Protection Act Lawyers,Telephone Communication Protection Act Lawyers,Sue for Telephone Calls

Debt Collectors Calling?

Are debt collectors calling you in Tennessee or West Virginia?  If so, their calls could be in violation of the Telephone Consumer Protection Act.  What does that mean for you – money in your pocket and perhaps more!  If you’re getting these calls, contact us at Barnette Law Offices today!

Consumer[5]

Technorati Tags: Telephone Communication Protection Act,Tennessee Telephone Consumer Protection Lawyers,Nashville Telephone Consumer Protection Act Lawyers,Telephone Communication Protection Act Lawyers,Sue for Telephone Calls

Wednesday, July 16, 2014

Tennessee Deficiency on Foreclosure–Call Barnette Law Offices!

If you have been contacted by a mortgage lender, collection agency, debt buyer, or a law firm in Tennessee regarding a “deficiency” after your home was foreclosed upon, please read the following inasmuch as you have defenses and potential causes of action . . . 

In Tennessee, a creditor can sue for breach of contract (i.e. to recover unpaid debt) for up to 6 years from the date of the default in payment.

However, Tenn. Code Ann.  § 35-5-118(d) provides that a post-foreclosure action to obtain a deficiency judgment “shall be brought not later than the earlier of:

(A) Two (2) years after the date of the trustee’s or foreclosure sale, exclusive of any period of time in which a petition for bankruptcy is pending; or

(B) The time for enforcing the indebtedness as provided for under §§ 28-1-102 and 28-2-111.

So, the creditor has to sue on the earlier of two years or within the original 6 year statute of limitations. Two years is generally going to be the earlier of those two.

For many creditors, waiting a few years after a foreclosure is a reasonable move, to see if the debtor’s fortunes turn around. But, under this statute, a creditor can’t wait too long, and no later than 2 years.

If you’ve received letters or have been sued under the aforementioned scenario above, contact us at !

Wednesday, July 9, 2014

Debt Collection Calls and Lawsuits in Tennessee –Call Barnette Law Offices

Consumer

Have you been getting too many automated debt collection calls? If so, you may be entitled to compensation under the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

Illegal Debt Collection Practices

If you owe someone money, they have a right to try and collect it by calling you. However, it matters how many times they call you a day, week or month using , also known as robocalls, which are automated phone calls that use both a computerized autodialer and a computer-delivered pre-recorded message.  In fact, calling without your express prior consent is illegal under the .

A U.S. District Court judge in Tennessee recently ruled that 17 calls a month was too much and that consumers who received these calls are entitled to file suit against the debt collector. In his opinion, he reasoned:

"The frequency of [the defendant's] calls to [the plaintiff's] telephone and the manner in which [the defendant] called [the plaintiff's] cellular telephone using an automatic telephone dialing system could plausibly cause an unsophisticated consumer to feel harassed, oppressed or abused." It's that language which can be seen in several debt collection consumer laws.

Consumer Debt Protection Laws

Consumers are protected by several laws to make sure that debt collection practices are fair and reasonable. The and the Telephone Consumer Protection Act are two of those laws which, if violated, can result in up to $1,500 in fines per violation. Here's how they work:

  • FDCPA. The prohibits debt collectors from using telephone calls “repeatedly or continuously with intent to annoy, abuse or harass.”
  • TCPA. The prohibits calls using any automatic telephone dialing system or artificial or prerecorded voices to several cell phones and other places.

Debt Collector Violations Getting Worse

The number of debt collectors who violate these consumer protection laws has doubled over the past few years according to the Federal Trade Commission. However, debt collection lawyers say that consumers do not have to put up with this behavior and encourage them to seek the advice of an attorney to make the calls and harassment stop once and for all.

If a debt collector has engaged in any of these abusive or unfair debt collection practices, contact the and at  for a free evaluation!

Tennessee FDCPA Lawyers–Barnette Law Offices

The (FDCPA) was enacted to stop abusive, deceptive, and unfair debt collection practices by debt collectors and debt purchasers such as Midland Funding, Asset Acceptance, CACH, Portfolio Recovery Associates, Cavalry Portfolio Services, etc. If you believe you have been a victim of unfair practices of a debt collector or if you’ve been sued by a debt collector or debt purchaser in a   you may be entitled to money damages and payment of your attorneys’ fees.

A Debt Collector cannot:

  • Call you on telephone repeatedly and at odd hours
  • Call you, but not announce who he/she is
  • Disclose information of your debts to third parties
  • Use abusive language
  • Contact you after written notification that you do not want to be contacted
  • Claim to be affiliated with any governmental organization
  • Misrepresent the character, amount or legal status of a debt
  • Threaten to take action not validated
  • Threaten or communicate false credit information
  • Use deceptive methods to collect debts
  • ... and more
You can:
  • Reduce or completely zero your interest payment
  • Avoid or reduce late payment fees
  • Combine several loans into a single low monthly payment plan
  • Get your credit reports corrected
  • Remove invalid or time-lapsed entries in your credit reports
  • ...and more

If a debt collector has engaged in any of these abusive or unfair debt collection practice, contact the at  for a free evaluation!

Saturday, July 5, 2014

Debt Collectors Calling–Call Barnette Law Offices

The Telephone Consumer Protection Act (“TCPA”) is a hot topic today in the collection industry.  Lawsuits alleging violations of the TCPA are increasing, and because statutory damages may be awarded under the TCPA for each violation and without any cap, such suits threaten collectors with potentially ruinous liability through class action litigation.  (See, e.g., Foreman v. Data Transfer, Inc. (E.D. Pa. 1995) 164 F.R.D. 400, 404-405.)  The TCPA potentially imposes amalgamated damages against debt collectors in a way not permitted under other statutory schemes designed to regulate collections.  See, e.g. FDCPA, 15 USC 1692k(a)(2)(B) (capping statutory class action damages at $500,000 or 1% of the collector’s net worth).  When one considers that $500, or even $1,500, in statutory damages may be imposed for each violative cell phone call under the TCPA, it becomes readily apparent that even a few hundred, much less thousands (or millions) of calls, may lead to truly ruinous damages if an “adding-machine” approach is taken to the statute’s interpretation.

This article attempts to pierce the rhetoric that has grown up around the TCPA, and to put its “urban legends” into perspective.  Please note this article is not designed to be a comprehensive analysis, but rather it is intended to provide consumers, with a brief overview, and to act as an “A B C” primer.

I. The TCPA Applies to Debt Collection

After the TCPA Legislation was adopted, the Federal Communications Commission (FCC), the federal body tasked with enforcing and interpreting the TCPA, issued a formal Order, entitled “Notice of Proposed Rule Making” on April 17, 1992 (hereinafter, the 1992 TCPA Order).  This Order initially and originally interpreted the TCPA and the implementing Regulations related thereto. 1 In the 1992 TCPA Order, the FCC wrote: “The overall intent of Section 227 is to protect consumers from unrestricted telemarketing . . .”  (1992 TCPA Order at ¶ 19, p. *3.)  But, the 1992 TCPA Order also specifically recognized that some businesses, such as debt collectors, used various types of telephone dialers, including “automated” and/or "predictive" telephone equipment that could fall within the TCPA.  Nonetheless, the FCC commented that, to the extent the practice of using automated equipment complied with other State or Federal debt collection laws (such as, presumptively, the FDCPA), this "non-telemarketing use of auto dialers [was] not intended to be prohibited by the TCPA." (1992 TCPA Order, ¶ 15, emphasis added; bracketed language added.)

Indeed, the 1992 TCPA Order carefully distinguished the telemarketing conduct sought to be regulated by the TCPA from the “commercial” conduct of debt collectors:

[I]n all debt collection circumstances, a prior or existing business relationship took place between the caller and the called party or the calling party is acting in an agency capacity for the creditor. . . [A] debt collection call that otherwise complies with all applicable collection statutes, is a commercial call that does not adversely affect the privacy concerns the TCPA seeks to protect.  (1992 TCPA Order at ¶ 16.)

Again and again, the FCC in later orders continued to recognize that debt collection calls were viewed differently from telemarketing communications for the very reason that (1) collection calls “do not transmit an unsolicited advertisement,” and (2) because “debt collection calls are not directed to randomly or sequentially generated telephone numbers, but instead are directed to the specifically programmed contact numbers for debtors.”  (In the Matter of Rules & Regulations Implementing The Telephone Consumer Protection Act of 2008, CG Docket No. 02-278, FCC 07-232 (1/4/08) ¶¶ 9-12 (hereinafter, 2008 TCPA Order). 2 Moreover, the FCC has flatly ruled that “calls solely for the purpose of debt collection are not telephone solicitations and do not constitute telemarketing.”  Id., at ¶ 11.

In short, the Legislative history of the TCPA discussed above, the FCC's historical interpretations of the TCPA, as well as its own implementing regulations which interpret the TCPA, 3 all demonstrate that the TCPA was aimed at curbing unsolicited telemarketing communications made by the use of so-called “automatic telephone dialing systems” directed to private residential homes, under circumstances where the communications invade the recipient’s privacy and lead the recipient to incur costs.  But the TCPA was not designed to deter (1) legitimate (non-telemarketing) commercial calls, (2) calls to individuals with whom the caller, directly or indirectly, possessed an established business relationship, and/or (3) calls made with the consent of the recipient. 4

II. THE PROVISIONS OF THE TCPA RELEVANT TO DEBT COLLECTORS AND CALLING

As most relevant to collectors calling cell phones, the TCPA, at 47 U.S.C. § 227(b), provides:

(b)  Restrictions on use of automated telephone equipment
       (1) Prohibitions
It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States
             (A) To make any call (other than a call made with the prior express consent of the party called) using any automatic telephone dialing system or an artificial or pre-recorded voice
(i)  to any emergency telephone line. . .
                   (ii)  to the telephone line. . .of a hospital …
                   (iii)  to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call
               (B)  to initiate any telephone call to any residential telephone line using an artificial or prerecorded voice to deliver a message without the prior express consent of the party, unless the call. . .is exempted by rule or order by the Commission. . .(Emphasis added.)

The plain language of 47 USC § 227(b)(1)(A) makes clear a violation of the TCPA occurs when an autodialed call is made to a cell (wireless) phone without the prior express consent of the called party.  (2008 TCPA Order, ¶ 9; see also 47 C.F.R. 64.1200.) In short, the elements that must be established to prove a prima facie violation of the cell phone provisions of the TCPA are:

(1) A call to a cell (wireless) phone by either:
       (a) using an “automatic telephone dialing system,” and/or
        (b) leaving an artificial or pre-recorded message.
(2) Where the call is made without the prior express consent of the recipient, and
(3) Where the recipient is charged for the call.

D. WHAT IS AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”)?
An essential requirement of a TCPA claim is that the phone call be sent to a cell phone by use of auto dialing technology which either (1) utilizes a so-called “random or sequential number generator” or (2) automatically leaves a prerecorded, as opposed to a live, message.  These restrictions, arise from the Congressional finding that “automated or pre-recorded telephone calls were a greater nuisance and invasion of privacy than live solicitation calls.”  2008 TCPA Order, at ¶ 17

Consequently, the heart of the TCPA’s restrictions focus on the regulation of calls made by the use of a so-called “automatic telephone dialing system” (“ATDS”).  TCPA, 47 U.S.C. § 227(a)(1).

1. What Constitutes An ATDS Under Federal Law?

The term “automatic telephone dialing system” (“ATDS”), as defined under the TCPA, is a highly specific term of art.  The TCPA defines an ATDS as “equipment which has the capacity” (a) to “store or produce telephone numbers to be called, using a random or sequential number generator” and (b) to “dial such numbers.”  TCPA, 47 U.S.C. §§ 227(a)(1)(A) and (B).

The mere fact that a dialer automatically pulls a number out of a database and calls the phone number, should not be considered as having been made by an automatic telephone dialing system.  (In the Matter of Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991, Notice of Proposed Rulemaking and Memorandum Opinion and Order, 17 FCC rcd. 17459, 17465 N. 96 (Sept. 18, 2002)); but compare 2008 TCPA Order, ¶¶ 12-14.)

The ATDS provision of the TCPA was designed to address the type of telephone solicitation that Congress found to be especially abusive, namely automated calling devices which are able to “generate” millions of telephone numbers, and which are then automatically dialed without any human control.  When dialed sequentially, this technology has the capability to tie up all of the lines assigned to a particular business or individual -- for example, 283-8820, 283-8821, 283-8822, and so forth, (because often business or individuals have multiple phone numbers that vary only by one or two sequential digits). 

In the Appendix to the Senate Hearings on the TCPA is a document entitled “Why the Legislation Is So Important.”  See S. Hrg. 102-918, at 68 (Oct. 10, 1991).  Specific problems identified relate to automatic dialing systems which generate and dial numbers in sequence, thereby tying up all the lines and preventing any outgoing calls.  Id.  In the “Background and Need” Section of a Congressional Report accompanying the TCPA House bill, the history noted a ban on automatic telephone dialing systems was necessary because such systems:

are programmed to dial sequential blocks of telephone numbers, including those of emergency public organizations and unlisted subscribers. Since an [automatic telephone dialing system] can “seize” a recipient’s telephone line once a phone connection is made and may not release the line when the recipient hangs up, they can result in an intrusive and potentially dangerous use of telecommunication equipment.

H.R. REP. No. 101-633, at 3 (1990); see also Telemarketing/Privacy Issues: Hearing Before the Subcom. On Telecomm. And Finance, 102d Cong. 2 (1991) (Statement of Rep. Markey, Chairman).

What constitutes an ATDS subject to regulation under the TCPA has spawned considerate debate.  The FCC itself has not helped to clarify the issue by asserting that virtually any automated dialing device qualifies – ignoring the requirement in the TCPA itself that defines an ATDS be reference to “a random or sequential number generator.”  47 USC § 227(a)(1).  Clearly despite the FCC’s statements to the contrary, not every phone system with an automated dialing capability qualifies as an ATDS subject to the TCPA.

Although interpretive case law is sparse, one federal court sitting in California has clearly held that not every call sent through the use of automated calling equipment, or a predictive dialer, qualifies as an “ATDS” under the TCPA.  Instead the court ruled that only the subset of calls automatically dialed by the use of “a random or sequential number generator” was covered by the TCPA.  Satterfield v. Simon & Schuster (N.D. Cal. 2007) 2007 WL 1839807 at *5-6.  Significantly, the District Court rejected the FCC’s own interpretation that every predictive dialer qualified as an ATDS.  It concluded that the FCC’s broad interpretation was not entitled to deference as it was manifestly at odds with the definition of an ATDS contained inside the statute. 

The federal judge instead ruled that only equipment (whether or not automated or predictive) that contains “a random or sequential number generator” qualifies as an ATDS subject to the TCPA requirements.  Id.  Because most phone systems used by collectors do not use such number generating technology (even if they contain predictive dialers), they are not covered by the TCPA.  The Satterfield decision has been appealed, and an appellate decision is currently pending.

1. In 1992, the FCC enacted its original implementing regulations pursuant to an explicit grant of authority from Congress, as set forth in 47 USC § 227(b)(2) (“The commission shall prescribe regulations to implement the requirements of this subject.”) The FCC’s Regulations construing the TCPA are set forth at 47 CFR § 64.1200, et seq. Since 1992, the FCC has periodically issued newer interpretive regulations and orders. The last interpretive order was promulgated on January 4, 2008.
Return To Text

2. See, e.g., 2008 TCPA Order, at footnotes 17 and 18; 1995 TCPA Reconsideration Order, ¶ 17 (“We have specifically noted that ‘prerecorded debt collection calls [are] exempt from the prohibitions on [prerecorded] calls to residences as . . .commercial calls. . .which do not transmit an unsolicited advertisement.”). See also 1992 TCPA Order, ¶ 39 (“With respect to concerns regarding compliance with both the [Fair Debt Collection Practices Act] and our rules in prerecorded message calls, we emphasize that the identification requirements will not apply to debt collection calls because such calls are not autodialer calls (i.e., dialed using a random or sequential number generator) and hence are not subject to the identification requirements for prerecorded messages in 64.1200(e)(4) of our rules”). Return To Text

3. See, e.g., 47CFR § 64.1200(a)(2)(iii) (there is no liability under the TCPA for most calls made for a commercial or business purpose which do not include an unsolicited advertisement or solicitation).  See also 47 CFR § 64.1200(a)(2)(ii)Return To Text

4. The TCPA also established what is commonly known as the national “do not call list” whereby residential telephone subscribers may “opt out” of receiving unsolicited telemarketing calls at their home.  See 47 CFR § 64.1200(e)(2). Return To Text