Does the FDCPA define the word 'dispute' according to the speaker?

Daniel RosenCredit Repair Business Mentor | Insights from 250+ Podcasts

Dispute Medical Bills - UNDERSTAND the FDCPA

28 Nov 2023 · 1 min

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The speaker (Daniel Rosen) explains basics of the Fair Debt Collection Practices Act (FDCPA), emphasizing it is written for the 'least sophisticated consumer' and noting the FDCPA does not define the term "dispute." He cites Webster’s definition (to call into question/doubt), reports that consumer reporting agencies agreed to delete many medical bills (a leading cause of bankruptcy), and gives a practical example: a consumer can dispute a medical bill by calling a debt collector (and recording the call) to contest the date listed, stating they don't recall treatment on that date.

Questions this video answers

No — the speaker states that the FDCPA does not define 'dispute'.

Chapters

People simply don't understand the basics of the fdcpa. The FDCPA is written up for the least sophisticated consumer. In the fdcpa, it does not define the word dispute. The Webster defines a dispute as calling into question or to cash. Doubt. That's the standard for disputing. So it was a big deal a couple years ago when the consumer reporting agencies collectively came together and said that hey we're going to delete these medical bills. That's the number two reason why people filed for bankruptcy. And so say for an example if it's on your credit report all you got to do is call up the debt collector and record a call and just introduce yourself, say your dispute, say your issue the date open that's on medical bills, not the day you went to the hospital. So a consumer can just easily say hey I'm not familiar with this date. I don't recall going to the hospital on this day. That right there is a dispute.