Relating to a requirement to enter into mediation with a debtor before bringing an action to collect a debt.
Catchline/Summary:
Requires collection agency to enter into or attempt to enter into mediation with debtor before bringing action to collect claim or account. Requires collection agency to enter into or attempt to enter into mediation with debtor before bringing action to collect claim or account. Specifies content of written request that collection agency must mail to debtor. Provides that collection agency's presenting evidence that debtor failed to respond to request within 60 days after date of request shows collection agency's good faith attempt to enter into mediation. Provides that collection agency's presenting evidence that mediation occurred and parties could not settle claim or account shows collection agency's good faith attempt to mediate claim or account.
Requires collection agency to report claim or account as paid and to request credit reporting agencies to remove claim or account from credit reports for debtor if debtor pays claim or account after settlement or action to collect claim or account or if court determines that collection agency may not collect claim or account.
Punishes violation of requirements as unlawful collection practice.
Chapter Number:
Fiscal Impact:
May Have Fiscal Impact, But No Statement Yet Issued
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HB 3234 House Committee On Consumer Protection and Government Effectiveness
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