Fair Debt Collection: 10.4.2 Extent of Participation in the Collection Process
Federal courts have wrestled with the issue of when a flat-rate relationship with a collector triggers liability for a creditor through FDCPA §§ 1692a(6) or 1692j. In Nielsen v. Dickerson, the court found a collection firm liable under FDCPA § 1692j when it furnished a form letter that gave the consumer the false impression that the firm was meaningfully involved in the case.76 Similarly, in Sokolski v.