CLASS WAS AMAZING TODAY FOREVER GRATEFUL THANK YOU FOR YOUR PATIENCE REBECCA CANT WAIT TILL IM ABLE TO EXPRESS MYSELF AND EVERYTHING IM LEARNING FLUENTLY AND EFFORTLESSLY 💯🤏🏾 #INSPIRED

Weekly check in post. How is everyone? I hope everyone's week has been productive. Just a reminder that Module 8 is now live. Please review the presentation before Saturday's live call ; jot your questions down and See you guys soon.

I know that we are currently studying FCRA. However , a lot of you have third parties reporting on your credit reports. That said , that is an attempt to collect a debt by them reporting the account on your reports so anything they report must comply with FCRA and FDCPA. Which means that they may not use unreasonable meanings to misrepresent the debt to you either, solely for the collection of it. Here is some case law to help you better understand. Under the Fair Debt Collection Practices Act, the test is not whether "a reasonable consumer" would be deceived, misled or harrassed by the prohibited practices because the Act is intended to protect "unsophisticated consumers." Therefore, this Court must look not only at the "reasonable consumer," but also to a less sophisticated consumer in determining whether the debt collection practices act has a tendency or capacity to deceive. Jeter v. Credit Bureau, 760 F.2d 1168, 1172-73 (11th Cir. 1985); Baker v. G.C. Services, 677 F.2d 775, 778 (9th Cir.1982).[3] See also Bingham v. Collection Bureau, Inc., 505 F. Supp. 864, 870 (N.D.Dak.1981); Wright v. Credit Bureau of Georgia, Inc., 548 F. Supp. 591, 599 (N.D.Ga.1982), reconsidered, 555 F. Supp. 1005, 1007 (N.D.Ga.1983); Rutyna v. Collections Accounts Terminal, Inc., 478 F. Supp. 980, 982 (N.D.Ill. 1979). Contra Blackwell v. Professional Business Services of Georgia, 526 F. Supp. 535, 537-538 (N.D.Ga.1981).

If you haven't caught one of the live sessions yet you're missing out! Tap In!