LAW7825 - Consumer Protection Laws and Debt Collection

LAW7825 - Consumer Protection Laws and Debt Collection

Course Number: 








This course will examine the consumer debt collection system in the United States, including the credit cycle, collection industry business models, and the federal and state statutes that aim to protect consumers in collections, such as the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and the regulators that oversee those laws (the Federal Trade Commission and the Consumer Financial Protection Bureau). The course will also include a clinical component that will tie into a larger study into debt collection litigation in collaboration with a legal services provider in Maine. Students will help create (1) an attorney manual and brief bank to be used by legal services attorneys in their representation of consumers in debt collection cases, and (2) plain language materials for self-represented litigants sued by creditors seeking to collect a debt.