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Barry Sussman graduated from law school, but also served time in prison for attempting to collect debts by posing as an FBI agent. He theorized that if a debt- collection business collected only debts that it owned as a result of buying checks written on accounts with insufficient funds (NSF checks), it would not be subject to the Federal Debt Collection Practices Act (FDCPA). Sussman formed Check Investors, Inc., to act on his theory. Check Investors bought more than 2.2 million NSF checks, with an estimated face value of about $ 348 million, for pennies on the dollar. Check Investors added a fee of $ 125 or $ 130 (more than the legal limit in most states) to the face amount of each check and aggressively pursued its drawer to collect. The firm’s employees were told to accuse drawers of being criminals and to threaten them with arrest and prosecution. The threats were false. Check Investors never took steps to initiate a prosecution. The employees contacted the drawers’ family members and used “saturation phoning”— phoning a drawer numerous times in a short period. They used abusive language, referring to drawers as “deadbeats,” “retards,” “thieves,” and “idiots.” Between January 2000 and January 2003, Check Investors net-ted more than $ 10.2 million from its efforts.


  • The Fair Trade Commission filed suit against Check Investors, Inc. for violation of the Fair Debt Collection Practices Act. Check investors argued that it was acting as a creditor collecting its own obligations ( i.e.,attempting to collect debts owed to check investors), wed to check investors), not as a collector of debts owed to a third party. What is the significance of that argument?
  • Assuming check investors was acting as a creditor collecting its own obligations ( i.e., attempting to collect debts owed to check investors), under what circumstance could the Fair Debt Collection Practices Act apply to Check Investors’ collection practices?
  • Assuming that the Fair Debt Collection Practices Act applies to Check Investors, in which of the five prohibited practices did Check Investors engage? Explain your answer.

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