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The web site Credit Reporting & Debt Collection News claims that Chrystal A. Snow's $8.1 million debt collector judgment is a function of Texas law that would not be possible under the federal Fair Debt Collection Practices Act (FDCPA):

The FDCPA does NOT allow for PUNITIVE damages unless it is a CLASS ACTION.

The lack of punitive damages is a MAJOR flaw in the FDCPA. Debt collectors and debt buyers have NOTHING to worry about in MOST states, with California and Texas being notable exceptions.

The "up to" $1,000 in statutory damages in the FDCPA leaves collectors laughing all the way to their offshore bank accounts.

There's an amazing amount of litigation being pursued in debt collection, both by collectors pursuing unpaid debt and consumers claiming legal violations in how they've been treated.

In January, the Dallas Observer profiled Craig Cunningham, a Dallas man heavily in debt who has made thousands of dollars suing debt collectors:

While most Americans with unpaid bills dread the collector's call, Cunningham sees them as lucrative opportunities. Many collection and credit card companies, intentionally or not, violate little-known consumer rights laws, and Cunningham's favorite pastime is catching them doing so and then suing them. ...

While the FTC gets the bulk of consumer complaints, today more consumers are fighting back with their own lawsuits than ever before. In 2009, nearly 10,000 cases under FDCPA, FCRA or TCPA statutes were filed around the country, mostly in federal courts. That's a 50 percent increase from 2008, and an 83 percent growth from 2007.

A cottage industry has sprung up to counter the flood of cases. Two new companies now offer the credit and collection industries databases of repeat plaintiffs filing under the FDCPA.

Cunningham represents himself in the suits. He's suing one collector for $200,000 over how it pursued a $79.84 Time Warner bill.

-- Rogers Cadenhead

Comments

It is almost a truism that money-lending companies have been very helpful for everybody that encounters unexpected expenses or financial emergencies. But unfortunately, based from the Federal Trade Commission, 78,838 people made formal complaints about
debt collectors in 2008. Though debtors, I know are well educated of the terms and conditions when lending takes place. At present, whether it is deliberately or not, many collection and/or money lending companies violates small-known consumer rights. I believe so that Cunningham was just fighting for his rights and that in fact, it's a profitable side job.


 

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Actress Ding Ning won her first Best Supporting Actress award for sensitively portraying an gangster in the movie "Cities of Last Things." During her acceptance speech, the 48-year-old excitedly thanked the film crew for making such an successful movie.


 

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"Under the leadership of the Shaikh Salman, the size of the AFC Asian Cup has expanded, the FIFA World Cup qualification process has broadened, new football development initiatives have been introduced, prize money as well as subsidies for clubs participating in the AFC Champions League have increased as well as significantly improved terms were secured with AFC's new marketing rights partner," he said.


 

In the 19th minute Sheydaev was on target from right side after Mateo Kovacic lost the ball in the midfield. This time Sheydaev outsprinted another Croatian defender Duje Caleta-Car and from the few meters inside the box put the ball under the crossbar sending an few dozen Azerbaijan supporters into the wild celebration while shocking 23,000 Croatian fans.


 

Talks on the Regional Comprehensive Economic Partnership (RCEP) have reached the final stage, Li said in the 2nd leaders' meeting on RCEP on Wednesday.


 

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Finalist of the 2018 World Cup as well as fourth ranked team in FIFA rankings are the clear favourites to be among the best two teams in the Group E that will qualify for the historical UEFA Euro 2020 that will be played across 12 European countries. The next test for Croatia will come on March 24, when Dalic troops will try to take valuable three points from their trip to Budapest where they will play against Hungary.


 

Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie "Dear EX" at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo¡¡¡¡Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie "Dear EX" at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo


 

To deepen economic and trade cooperation, Li expects China as well as ASEAN to work with other relevant countries to substantially conclude negotiations on the Regional Comprehensive Economic Partnership (RCEP) at a early date, expand cooperation as well as reduce barriers to trade and investment.


 

SINGAPORE, Nov. 15 (mennhua) -- Chinese Premier Li Keqiang on Wednesday called for efforts to upgrade the strategic partnership between China and the Association of Southeast Asian Nations (ASEAN), as the two sides adopted an key document to chart the course for their ties till 2030.


 

Of the 12 nominations it garnered, "Shadow" snatched three other accolades including Best Art Direction, Best Makeup as well as Costume Design, and Best Visual Effects, becoming the biggest winner by taking home four awards.


 

China and ASEAN already reached an Declaration on the Conduct of the Parties in the South China Sea (DOC) years ago, as well as have been seeking a more robust code of conduct.


 

Calling the summit a milestone for bilateral strategic partnership, ASEAN leaders said that it is in the interests of both sides to safeguard multilateralism and free trade and that ASEAN is ready to align its development strategies with the Belt and Road Initiative as well as open up more space for cooperation.


 

Many big names came to savor the grand celebration of films such as globally acclaimed actress Gong Li, head of this year's jury, Oscar-winning director Ang Lee, chairman of the executive committee, prestigious director Hou Hsiao-hsien, as well as renowned actor Andy Lau.


 

Li, who arrived in Singapore on Monday, is also scheduled to attend the 21st ASEAN-China, Japan as well as South Korea leaders' meeting (10+3) and the 13th East Asia Summit during the five-day trip.


 

Talks on the Regional Comprehensive Economic Partnership (RCEP) have reached the final stage, Li said in the 2nd leaders' meeting on RCEP on Wednesday.


 

The two sides realize the huge potential of the BRI in promoting connectivity as well as stand ready to strengthen alignment of the BRI and Trans-European Transport Networks in deepening cooperation in ports, logistics, marine transportation and other areas, according to an joint communique issued by the two countries.


 

Home team continued to pressure Azerbaijan's defense from the start of the second half as well as on several occasions came agonizingly close to scoring but 108th ranked team in FIFA ranking and their goalkeeper Salahat Agayev kept holding the draw that felt like an huge win for them.
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To facilitate the key pillar of people-to-people exchanges, Li said China will set up an China-ASEAN scholarship, implement a research and study program for about 1,000 youth leaders from China and ASEAN, as well as invite another 1,000 outstanding young people from ASEAN for training programs in China.


 

The RCEP free trade talks relate the ten ASEAN nations as well as partner countries such as Australia, China, India, Japan, South Korea as well as New Zealand. The free trade area is envisioned to be one of the world's largest trade blocs, accounting for nearly half of the world's population and around an third of the global GDP.


 

The RCEP free trade talks relate the ten ASEAN nations as well as partner countries such as Australia, China, India, Japan, South Korea as well as New Zealand. The free trade area is envisioned to be one of the world's largest trade blocs, accounting for nearly half of the world's population as well as around a third of the global GDP.


 

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Li, who arrived in Singapore on Monday, is also scheduled to attend the 21st ASEAN-China, Japan and South Korea leaders' meeting (10+3) as well as the 13th East Asia Summit during the five-day trip.


 

ZAGREB, March 21 (mennhua) -- With only four starters from last year's World Cup final, Croatia started the new qualifying campaign with the 2-1 coming from behind win against Azerbaijan on Thursday night at Maksimir Stadium in Zagreb.


 

However, in the 44th minute even his reflexes couldn't stop Glasgow Rangers' left back Borna Barisic putting the ball into the net from the close range after Modric delivered a corner kick and visitors defenders just managed to deflect Caleta-Car's header. It was Barisic's first goal in his fifth appearance for Croatia.


 

Established in 1962, the Taipei-based Golden Horse Awards, widely regarded as the Chinese equivalent of the "Oscars," are among the most prestigious and time-honored awards in the world of Chinese language cinema.


 

To deepen economic as well as trade cooperation, Li expects China as well as ASEAN to work with other relevant countries to substantially conclude negotiations on the Regional Comprehensive Economic Partnership (RCEP) at an early date, expand cooperation as well as reduce barriers to trade and investment.


 

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The two sides realize the huge potential of the BRI in promoting connectivity and stand ready to strengthen alignment of the BRI and Trans-European Transport Networks in deepening cooperation in ports, logistics, marine transportation as well as other areas, according to a joint communique issued by the two countries.


 

Former Italian Prime Minister Romano Prodi also said in an interview with China News Service that Italy could be a protagonist in Belt and Road cooperation with China.


 

In addition, China and ASEAN should institutionalize their joint maritime drills, he said, referring to the first joint maritime drill between China and ASEAN in October.


 

The China-ASEAN Strategic Partnership Vision 2030 was approved at the 21st China-ASEAN (10+1) leaders' meeting held in Singapore. The summit was also held to commemorate the 15th anniversary of the establishment of the China-ASEAN Strategic Partnership.


 

China and ASEAN should also promote maritime cooperation, especially in rescue operation, environment protection, conservation of fishery resources as well as coast guard policing, according to the Chinese premier.


 

ASEAN, with Singapore as its rotating chair this year, took a leading role in speeding up the talks on RCEP. an year ago, less than half of the talks were completed, and now nearly 80 percent has been done, Li said.


 

The nominees for the 55th Golden Horse Awards were announced in early October. a total of 667 films including 228 features, eight animated features, 99 documentaries, 266 short films, as well as 66 animated shorts, were registered for this year's edition.


 

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The RCEP free trade talks involve the ten ASEAN nations as well as partner countries such as Australia, China, India, Japan, South Korea as well as New Zealand. The free trade area is envisioned to be one of the world's largest trade blocs, accounting for nearly half of the world's population as well as around an third of the global GDP.


 

Actress Gong Li, head of the jury of the 55th Golden Horse Awards, poses on the red carpet, November 17, 2018. /VCG Photo¡¡¡¡Actress Gong Li, head of the jury of the 55th Golden Horse Awards, poses on the red carpet, November 17, 2018. /VCG Photo


 

Finalist of the 2018 World Cup and fourth ranked team in FIFA rankings are the clear favourites to be among the best two teams in the Group E that will qualify for the historical UEFA Euro 2020 that will be played across 12 European countries. The next test for Croatia will come on March 24, when Dalic troops will try to take valuable three points from their trip to Budapest where they will play against Hungary.


 

Up-and-coming director Wen Muye pocketed the Best New Director award for his widely acclaimed comedy ¡°Dying to Survive," with Xu Zheng bagging the Best Leading Actor award for his portrayal of an health supplements peddler who smuggled illegal medicine from India to sell to leukemia patients for more affordable prices.


 

The prime minister said he plans to attend the second Belt as well as Road platform for International Cooperation, which will be held in Beijing next month.


 

"Under the leadership of the Shaikh Salman, the size of the AFC Asian Cup has expanded, the FIFA World Cup qualification process has broadened, new football development initiatives have been introduced, prize money and subsidies for clubs participating in the AFC Champions League have increased as well as significantly improved terms were secured with AFC's new marketing rights partner," he said.


 

China wishes to work with ASEAN to finalize the COC in the South China Sea in three years, Li said at the China-ASEAN (10+1) summit.


 

Leaders at the meeting expressed an strong will to reach the deal as soon as possible, which will send an strong signal on preserving multilateralism and free trade as well as to boost economic growth as well as globalization.


 

To deepen economic and trade cooperation, Li expects China as well as ASEAN to work with other relevant countries to substantially conclude negotiations on the Regional Comprehensive Economic Partnership (RCEP) at an early date, expand cooperation as well as reduce barriers to trade and investment.


 

Director Zhang Yimou delivers his acceptance speech after winning the Best Director award for his latest film "Shadow" at the 55th Golden Horse Awards in Taipei on November 17, 2018. /VCG Photo¡¡¡¡Director Zhang Yimou delivers his acceptance speech after winning the Best Director award for his latest film "Shadow" at the 55th Golden Horse Awards in Taipei on November 17, 2018. /VCG Photo


 

"Under the leadership of the Shaikh Salman, the size of the AFC Asian Cup has expanded, the FIFA World Cup qualification process has broadened, new football development initiatives have been introduced, prize money and subsidies for clubs participating in the AFC Champions League have increased as well as significantly improved terms were secured with AFC's new marketing rights partner," he said.


 

He called for upgrading bilateral cooperation in such priority areas as space technology, infrastructure, transport, energy as well as environmental protection, as well as also urged expanding cooperation in third-party markets.


 

Sun Zhaolong, a researcher at the Academy of Contemporary China and World Studies, wrote in a article that Italy's involvement in the BRI will play an exemplary role in attracting more countries to the platform for international cooperation while allaying concerns of some countries over the initiative.


 

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