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Financial Services Industry Braces for Impact of Eleventh Circuit s Hunstein Decision | Holland & Knight LLP

Highlights The U.S. Court of Appeals for the Eleventh Circuit s recent ruling in Hunstein v. Preferred Collection and Management Services, Inc. may upend the long-standing and rather routine business practice of financial services companies using third-party vendors to manage, service and collect on outstanding debt. Citing ostensibly to general privacy concerns and applying a textual analysis of the Fair Debt Collection Practices Act (FDCPA), the Eleventh Circuit reversed the lower court, holding that when a debt collector provides an outside letter vendor with personal account information relating to the collection of a debt, it rises to the level of an impermissible communication with a third party to which there is no exception

What Type Of Fax Is A TCPA Advertisement? - Media, Telecoms, IT, Entertainment

The Telephone Consumer Protection Act ("TCPA") prohibits the sending of unsolicited commercial fax advertisements. Pursuant to the TCPA, companies cannot send advertisements via telecopier without a .

Three Ways the Legislature Has Redefined Consumer Litigation in West Virginia | Spilman Thomas & Battle, PLLC

Guidance on Awarding Attorney’s Fees The Legislature has brought clarity and guidance to trial courts deciding whether to award a party attorney’s fees and expenses in an action brought under the Act. Prior to the new law, § 46A-5-104 of the Act merely told trial courts they could award “reasonable” attorney’s fees and expenses to a consumer and could award the same to a defendant if the action was brought in bad faith and for the purposes of harassment. The new law still provides that trial courts may award “reasonable” attorney’s fees to a consumer and also to a defendant if the action was brought in bad faith and for the purposes of harassment. But, the new law requires trial courts to conduct a “lodestar” analysis and examine the following factors in determining the amount of fees and expenses to award:

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