Seventh Circuit Joins Others on Debt Validation Requirements


Posted By Administration, Monday, April 9, 2018
Updated: Thursday, July 26, 2018

Recorded Monday, April 9, 2018

The Seventh Circuit recently joined the Fourth and Ninth Circuits in holding that a debt collection discharges its obligation as to debt validation by verifying that its letters accurately conveyed the information received from the creditor.

Hear why the decision is good news for the debt collection industry and confirms the narrow obligations provided by section 1692g(b). The court’s decision joins decisions from the Fourth and Ninth Circuit which held similarly.


Caren Enloe, Smith Debnam Narron Drake Saintsing & Myers, LLP

Caren Enloe is a partner with Smith Debnam in Raleigh, NC and leads the firm’s consumer financial services litigation and compliance group. For over twenty five years, Enloe has been a risk manager, defending the consumer financial service industry in litigation involving alleged violations of state and federal consumer protection statutes and providing compliance services to the same sector regarding various federal and state consumer protection statutes. Enloe serves as the Member Attorneys Program State Chair for North Carolina, as a member of the Editorial Board for the Compliance Professionals Forum and as a vice chair for the American Bar Association’s Debt Collection and Bankruptcy Subcommittee. She is an active member of ACA International, National Creditors Bar Association, the American Bar Association’s Consumer Financial Services Committee and the North Carolina Creditor’s Bar Association. Enloe speaks regularly on current trends and issues involving consumer financial services. 

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