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	<title>CreditFactors &#187; court ruling</title>
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	<description>FICO credit scores - settling debts - dealing with collectors ...</description>
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		<title>Collections do NOT have to be disputed &#8220;in writing&#8221;</title>
		<link>http://creditfactors.com/2009/10/collections-do-not-have-to-be-disputed-in-writing/</link>
		<comments>http://creditfactors.com/2009/10/collections-do-not-have-to-be-disputed-in-writing/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 20:51:39 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[court ruling]]></category>
		<category><![CDATA[Debt buyers]]></category>
		<category><![CDATA[Illegal collection practices]]></category>
		<category><![CDATA[collection]]></category>
		<category><![CDATA[dispute]]></category>
		<category><![CDATA[FDCPA]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=584</guid>
		<description><![CDATA[Another interesting excerpt from the Midland / Brent opinion: In addition to clerical mistakes, the Sixth Circuit has also allowed the bona fide error defense for mistakes of law. Jerman, 538 F.3d at 472-73. The debt collector in Jerman sent a letter that included the statement that a dispute of the debt must be made [...]]]></description>
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		<title>Class action:  federal court holds &#8220;personal knowledge&#8221; in debt buyer Midland affidavit “patently false”</title>
		<link>http://creditfactors.com/2009/10/class-action-federal-court-holds-debt-buyer-midland-affidavit-patently-false/</link>
		<comments>http://creditfactors.com/2009/10/class-action-federal-court-holds-debt-buyer-midland-affidavit-patently-false/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 04:56:13 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[court ruling]]></category>
		<category><![CDATA[Debt buyers]]></category>
		<category><![CDATA[Illegal collection practices]]></category>
		<category><![CDATA[class action]]></category>
		<category><![CDATA[debt buyer]]></category>
		<category><![CDATA[Encore]]></category>
		<category><![CDATA[false affidavit]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[Midland]]></category>

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		<description><![CDATA[When debt buyer Midland (Encore owned) sued Brent in Ohio state court for an OLD Associates (now CitiFinancial) debt, she retained an attorney who removed the case to federal court.  He filed counter claims for violations of the FDCPA as well as Ohio law and went on to file for class certification. Judge Katz recently [...]]]></description>
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