Stern - Resources

Fair Debt Collection Practices Act (15 USC)
§1692 Congressional findings
§1692a Definitions
§1692b Location information
§1692c Communication
§1692d Harassment or abuse
§1692e False representations
§1692f Unfair practices
§1692g Validation of debts
§1692h Multiple debts
§1692i Lawsuits by debt collectors
§1692j Deceptive forms
§1692k Civil liability
§1692l Administrative enforcement
§1692m Reports to Congress by the Bureau
§1692n Relation to State laws
§1692o Exemption for State regulation
§1692p Exception - certain bad check

1977 House Report on FDCPA Adoption
1986 House Report on FDCPA Amendment

New Jersey Courts

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NJ Licensee Search (NJ Div. of Consumer Affairs)

Telephone Consumer Protection Act
Statute: 47 U.S.C. §227
Regulations: 47 CFR §64.1200

Example Materials
IMPORTANT NOTICE ABOUT USING THESE MATERIALS
The following documents are only examples. They are posted for educational and informational use only.
They can be used as a starting point in the drafting process. They should never be used without
a thorough understanding of their content and the context in which they will be used.

Initial Interrogatories and Admission Requests we have used in debt buyer credit card collection cases

Interrogatories we have used in debt buyer cases where the amount claimed is less than $3,000.

B rief for Summary Judgment Motion in a debt buyer collection lawsuit .

Memorandum of Law on Debt-Buyer Standing to Sue Under New Jersey Law.

Forms from the New Jersey Judiciary Website.

Other examples can be found on our website at In the News and Appeals.

Suggested Self-Help: Disputing a Debt with a Debt Collector: The Initial Dispute Letter (PDF)
Suggested Self-Help: How to Dispute Inaccurate Information in a Credit Report (PDF)

Fair Credit Reporting Act 15 U.S.C. §1681

Obtaining your credit report for free:
You may obtain a free copy of your credit your
every 12 months. We recommend that you
complete the request form and mail it using a
method by which you can confirm delivery. You
should receive your report within a few weeks.

AnnualCreditReport.com is the only official
website to obtain your report online. It was
created by Equifax, Experian and TransUnion in
compliance with 15 U.S.C. §1682j(a)(1)(A). We do
not recommend obtaining your report online.