[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-279977-105":53,"doc-detail-279977-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","collecting-consumer-debts-the-challenges-of-change-workshop-report","Collecting Consumer Debts - The Challenges of Change - Workshop Report","","In late 2007, the Federal Trade Commission convened a public workshop to assess needed changes to the U.S. debt collection system, including the Fair Debt Collection Practices Act, to improve consumer protection. The report concludes that reforms are required to reflect shifts in consumer debt, the debt collection industry, and technology. Key proposals address problems in information flow, require better collector and consumer-facing information about FDCPA rights, and modernize communications and payment rules while limiting unfair, deceptive, or abusive practices.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/collecting-consumer-debts-the-challenges-of-change-workshop-report/279977/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/collecting-consumer-debts-the-challenges-of-change-workshop-report/279977.png","ImageObject",442,249,{"name":88,"@type":89},"Emma Mercer","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-22","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":73},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"Why did the FTC hold the 2007 debt collection workshop?","Question",{"text":108,"@type":109},"To evaluate whether changes to the debt collection system and the Fair Debt Collection Practices Act were needed to better protect consumers.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What major issue does the report identify in the debt collection system?",{"text":113,"@type":109},"Major problems exist in the flow of information within the debt collection system.",{"name":115,"@type":106,"acceptedAnswer":116},"How does the report propose modernizing communication and payment rules?",{"text":117,"@type":109},"It proposes allowing debt collectors to use communication and newer electronic payment technologies, while carefully crafting and applying the law to avoid practices that cause consumer charges or constitute unfair, deceptive, or abusive conduct.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},279977,1790039940,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":76,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":141},962084925502,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Collecting Consumer  \nThe Challenges of Change  \nAWorkshop Report  \nFederal Trade Commission  \nFebruary 2009  \nCollecting Consumer Debts: The Challenges of Change  \nAWorkshop Report  \nFebruary 2009  \nFederal Trade Commission  \nWilliam E. Kovacic, Chairman Pamela Jones Harbour, Commissioner Jon Leibowitz, Commissioner  \nJ. Thomas Rosch, Commissioner  \nThis report is also available on the Internet. The online version of this report contains hyperlinks to news releases, reports, articles, workshop comments, transcripts, brochures, policy statements, and other information referenced in this report. You can find the online report at [http://www.ftc.gov/bcp/workshops/debtcollection/dcwr.pdf](http://www.ftc.gov/bcp/workshops/debtcollection/dcwr.pdf).  \nCollecting Consumer Debts: The Challenges of Change  \nContents  \nExEcutivE Summary  ................................................. i  \ni  . introduction  ................................................... 1  \nii  . thE dEbt collEction ProcESS  ...................................... 2  \niii  . lEgal FramEwork oF dEbt collEction  ............................... 4  \nA. Fair Debt Collection Practices Act ......................................... 4  \nB. Section 5 of the FTC Act ................................................ 6  \nC. State Debt Collection Laws .............................................. 6  \nD. Privacy and Data Security Laws ........................................... 7  \niv . thE rolE oF thE FEdEral tradE commiSSion  .......................... 9  \nv . changES in dEbt collEction induStry and PracticES  .................. 11  \nA. Increased Consumer Debt and Delinquency Levels ........................... 11  \nB. Debt Collection Industry Overview ....................................... 12  \nC. Evolution in Debt Collection Methods: Communication Technologies ............ 14  \nD. Information Collection and Storage ....................................... 17  \n1. Increases in Data Storage Capacity.................................... 17  \n2. Improvement in Database Technologies ................................ 18  \nE. Payment Methods ..................................................... 20  \nvi  . modErnizing thE dEbt collEction SyStEm and lEgal FramEwork  ........ 21  \nA. Information Flow in the Debt Collection System ............................. 21  \n1. Problems with Information Flow in the Debt Collection System............. 22  \n2. Solutions to Information Flow Problems ............................... 24  \n3. Future Directions in Information Flow ................................. 34  \nB. New Technologies ..................................................... 35  \n1. Communication Technologies........................................ 35  \n2. Payment Technologies ............................................. 51  \nC. Debt Collection Litigation and Arbitration .................................. 55  \n1. Litigation ........................................................ 55  \n2. Arbitration ....................................................... 58  \n3. Collecting on Judgments and Awards .................................. 60  \n4. Time-Barred Debt and Discharged Debt................................ 62  \n5. Future Directions in Litigation and Arbitration .......................... 65  \nD. Debt Collection Legal and Regulatory Systems .............................. 66  \n1. Private Enforcement of the FDCPA ................................... 66  \n2. Government Enforcement of the FDCPA ............................... 67  \n3. Rulemaking to Implement the FDCPA ................................. 68  \nvii  . concluSion  ................................................... 71  \nAWorkshop Report  \naPPEndix a: Fair dEbt collEction PracticES act  ....................... a-1  \naPPEndix b: Ftc actionS rElatEd to dEbt collEction SincE 1977 .......... b-1  \naPPEndix c: individual and organizational commEntS SubmittEd in connEction with thE workShoP  ........................... c-1  \nCollecting Consu","cbCaijqhW2sxKqmH","https://ap.wps.com/l/cbCaijqhW2sxKqmH","pdf",1457722,120,"English","# Executive Summary\n## Overview\n# Introduction\n## The debt collection process\n# Legal framework of debt collection\n## Fair Debt Collection Practices Act\n## Section 5 of the FTC Act\n## State debt collection laws\n## Privacy and data security laws\n# The role of the Federal Trade Commission\n# Changes in debt collection industry and practices\n## Increased consumer debt and delinquency levels\n## Debt collection industry overview\n## Evolution in debt collection methods: communication technologies\n## Information collection and storage\n## Payment methods\n# Modernizing the debt collection system and legal framework\n## Information flow in the debt collection system\n## New technologies\n## Debt collection litigation and arbitration\n## Debt collection legal and regulatory systems\n# Conclusion\n# Appendix A: Fair debt collection practices act\n# Appendix B: FTC actions related to debt collection since 1977\n# Appendix C: Individual and organizational comments submitted in connection with the workshop","[{\"question\":\"Why did the FTC hold the 2007 debt collection workshop?\",\"answer\":\"To evaluate whether changes to the debt collection system and the Fair Debt Collection Practices Act were needed to better protect consumers.\"},{\"question\":\"What major issue does the report identify in the debt collection system?\",\"answer\":\"Major problems exist in the flow of information within the debt collection system.\"},{\"question\":\"How does the report propose modernizing communication and payment rules?\",\"answer\":\"It proposes allowing debt collectors to use communication and newer electronic payment technologies, while carefully crafting and applying the law to avoid practices that cause consumer charges or constitute unfair, deceptive, or abusive conduct.\"}]","Collecting Consumer Debts - The Challenges of Change - Workshop Report | PDF",1789531071,42]