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UNITEDUNITED STATES STATES DISTRICTDISTRICT COURTCOURT
FORFOR THE THE MIDDLEMIDDLE DISTRICTDISTRICT OFOF FLORIDA FLORIDA
UNITEDUNITED STATESSTATES OFOF AMERICA, AMERICA, )) )) Plaintiff,Plaintiff, )) CaseCase Number:Number: ~:~: \\ 1- 1-CV~eVA Dol001 ~S 2. 2. -1--1-2.1tA.!2.1t:.AJ )) v.v. )) )) )) ASSETASSET ACCEPTANCE,ACCEPTANCE, LLC,LLC, )) aa DelawareDelaware limitedlimited liabilityliability company,company, )) )) Defendant.Defendant. )) ))
CONSENTCONSENT DECREEDECREE
WHEREAS,WHEREAS, Plaintiff,Plaintiff, thethe UnitedUnited StatesStates ofof America, America, hashas commencedcommenced thisthis actionaction byby filingfiling
thethe ComplaintComplaint herein;herein; Defendant,Defendant, AssetAsset Acceptance,Acceptance, LLC,LLC, hashas waivedwaived serviccservice ofof the the SummonsSummons
andand Complaint;Complaint; thethe partiesparties havehave beenbeen representedrepresented byby thethe attorneysattorneys whosewhose namesnames appearappear hereafter;hereafter;
andand thethe partiesparties havehave agreedagreed toto settlementsettlement of ofthis this actionaction uponupon thethe followingfollowing termsterms andand conditions,conditions,
withoutwithout adjudicationadjudication ofof any any issueissue ofof fact fact oror law,law, toto settlesettle andand resolveresolve allall mattersmatters inin disputedispute arisingarising
fromfrom thethe ComplaintComplaint toto thethe datedate ofof entry entry ofof the the DecreeDecree andand withoutwithout DefendantDefendant admittingadmitting anyany ofofthe the
mattersmatters allegedalleged inin thethe ComplaintComplaint otherother thanthan jurisdictional jurisdictional facts;facts;
THEREFORE,THEREFORE, onon thethe joint joint motion motion ofof the the PlaintiffPlaintiff and and Defendant,Defendant, itit isis herebyhereby
ORDERED,ORDERED, ADJUDGEDADJUDGED andand DECREEDDECREED asas follows:follows:
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FINDINGSFINDINGS
1.1. ThisThis CourtCourt hashas jurisdictionjurisdiction ofof the the subjectsubject mattermatter andand ofof the the parties.parties.
2.2. TheThe ComplaintComplaint statesstates aa claimclaim uponupon whichwhich reliefrelief may may bebe grantedgranted againstagainst thethe
DefendantDefendant underunder SectionsSections 5(a),5(a), 5(m)(1)(A),5(m)(1)(A), 13(b),13(b), andand 16(a)16(a) ofof the the FederalFederal I:radeJ:rade CommissionCommission
ActAct ("FTC("FTC Act"),Act"), 1515 US.C.U.S.C. §§§§ 45(a),45(a), 45(m)(1)(A),45(m)(I)(A), 53(b),53(b), andand 56(a);56(a); thethe FairFair CreditCredit ReportingReporting
ActAct ("FCRA"),("FCRA"), 1515 U.S.C.U.S.C. §§§§ 1681-1681u;1681-1681u; andand thethe FairFair DebtDebt CollectionCollection PracticesPractices ActAct
("FDCPA"),("FDCPA"), 1515 US.C.U.S.C. §§§§ 1692-1692p.1692-1692p.
3.3. VenueVenue inin thisthis districtdistrict isis properproper underunder 2828 US.C.U.S.C. §§§§ 13911391 (b-c)(b-c) andand 1395(a)1395(a) andand
1515 US.C.U.S.C. §§ 53(b).53(b).
4.4. TheThe activitiesactivities ofof the the DefendantDefendant areare inin oror affectingaffecting commerce,commerce, asas "commerce""commerce" isis
defineddefined inin SectionSection 4 ofof the the FTCFTC Act,Act, 1515 U.S.C.U.S.C. §§ 44.44.
5.5. ForFor purposespurposes ofof this this ConsentConsent Decree ("Decree"),("Decree"), thethe definitionsdefinitions setset forthforth inin thethe
FCRA,FCRA, 1515 U.s.C.U.S.C. §§ 1681a,1681a, andand thethe FDCPA,FDCPA, 15is US.t.U.S.C. §§ 1692a,1692a, shallshall apply.apply.
6.6. DefendantDefendant hashas enteredentered intointo thisthis DecreeDecree freelyfreely andand withoutwithout coercion.coercion. DefendantDefendant
furtherfurther acknowledgesacknowledges thatthat itit hashas readread thethe provisionsprovisions ofof this this DecreeDecree andand isis preparedprepared toto abideabide byby
them.them.
7.7. PlaintiffPlaintiff and and Defendant,Defendant, byby andand throughthrough theirtheir counsel,counsel, havehave agreedagreed thatthat thethe entryentry
ofof this this DecreeDecree resolvesresolves allall mattersmatters ofof dispute dispute betweenbetween themthem arisingarising fromfrom thethe ComplaintComplaint inin thisthis
action,action, upup toto thethe datedate ofof entry entry ofof this this Decree.Decree.
8.8. DefendantDefendant hashas notnot admittedadmitted anyany ofofthe the allegationsallegations ofof wrongdoing wrongdoing setset forthforth inin thethe
Complaint,Complaint, andand entryentry ofof this this DecreeDecree isis notnot anan admissionadmission ofof any any suehsuch allegationsallegations ofof wrongdoing wrongdoing oror
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violationviolation ofof law. law. Nonetheless,Nonetheless, DefendantDefendant stipulatesstipulates andand agreesagrees toto entryentry ofof this this DecreeDecree inin orderorder toto
settlesettle andand resolveresolve thesethese disputes.disputes.
9.9. AllAll partiesparties waivewaive allall rightsrights toto seekseek appellateappellate reviewreview oror otherwiseotherwise challengechallenge oror
contestcontest the the validityvalidity ofof this this Decree.Decree. DefendantDefendant furtherfurther waiveswaives andand releasesreleases anyany claimclaim itit maymay havehave
againstagainst thethe FederalFederal TradeTrade Commission,Commission, itsits employees,employees, representatives,representatives, oror agents.agents.
10.10. DefendantDefendant agreesagrees thatthat thisthis DecreeDecree doesdoes notnot entitleentitle itit toto seekseek oror obtainobtain attorneys'attorneys'
feesfees asas aa prevailingprevailing partyparty underunder thethe EqualEqual AccessAccess toto JusticeJustice Act,Act, 2828 U.S.C.U.S.C. §§ 2412,2412, asas amendedamended
byby Pub.Pub. L.L. 104-121,104-121, 100100 Stat.Stat. 847,847, 863-64863-64 (1996),(1996), andand furtherfurther waiveswaives anyany rightright toto attorneys'attorneys' feesfees
thatthat maymay arisearise underunder saidsaid provisionprovision ofof law. law.
11.11. ThisThis actionaction andand thethe reliefrelief awarded awarded hereinherein areare inin additionaddition to,to, andand notnot inin lieulieu of,of,
otherother remediesremedies asas maymay bebe providedprovided byby law,law, includingincluding bothboth civilcivil andand criminalcriminal remedies.remedies.
12.12. EntryEntry ofof this this DecreeDecree isis inin thethe publicpublic interest.interest.
DEFINITIONSDEFINITIONS
ForFor purposes purposes ofof this this Decree,Decree, thethe followingfollowing defmitionsdefmitions shallshall apply:apply:
1.1. "Commission"or"Commission"or "FTC" "FTC" meansmeans thethe FederalFederal TradeTrade Commission.Commission.
2.2. "Defendant""Defendant" means means AssetAsset Acceptance,Acceptance, LLC,LLC, andand itsits successorssuccessors andand assigns.assigns.
3.3. "Plaintiff'"Plaintiff' meansmeans thethe UnitedUnited StatesStates ofof America. America.
4.4. "Clearly"Clearly andand prominently"prominently" means:means:
a.a. thatthat informationinformation presentedpresented inin writingwriting shallshall bebe inin aa typetype sizesize andand locationlocation
sufficientsufficient forfor anan ordinaryordinary consumerconsumer toto readread andand comprehendcomprehend it,it, andand shallshall bebe discloseddisclosed inin aa mannermanner
thatthat wouldwould bebe easilyeasily recognizablerecognizable andand understandableunderstandable inin languagelanguage andand syntaxsyntax toto anan ordinaryordinary
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consumer.consumer. lftheIf the informationinformation isis containedcontained inin aa multi-pagemulti-page printprint document,document, thethe disclosuredisclosure shallshall
appearappear on thethe firstfirst page;page; andand
b.b. thatthat informationinformation presentedpresented orallyorally shallshall bebe discloseddisclosed inin aa volume,volume, cadence,cadence,
andand syntaxsyntax sufficientsufficient forfor anan ordinaryordinary consumerconsumer toto hearhear andand comprehend.comprehend.
5.5. "Debt"Debt collection"collection" meansmeans anyany activityactivity thethe principal purposepurpose ofof which which isis toto collect,collect,
oror attemptattempt toto collect,collect, directlydirectly oror indirectly,indirectly, debtsdebts owed,owed, oror assertedasserted toto bebe owed,owed, oror due.due.
6.6. "Debt""Debt" meansmeans anyany obligationobligation oror allegedalleged obligationobligation ofof a a consumerconsumer toto paypay moneymoney
arisingarising outout ofof a a transactiontransaction inin whichwhich thethe money,money, property,property, insurance,insurance, oror servicesservices whichwhich areare thethe
subjectsubject ofof the the transactiontransaction areare primarilyprimarily forfor personal,personal, family,family, oror householdhousehold purposes,purposes, whetherwhether oror
notnot suchsuch obligationobligation hashas beenbeen reducedreduced toto judgment.judgment.
ORDERORDER
I.I. CIVILPENALTYCIVIL PENALTY
ITIT ISIS ORDEREDORDERED that:that:
A.A. ForFor aa civilcivil penaltypenalty forfor violationsviolations ofof the the FCRAFCRA andand thethe FDCPA,FDCPA, DefendantDefendant shallshall
paypay toto thethe Plaintiff,Plaintiff, pursuantpursuant toto SectionSection 621(a)621 (a) ofof the the FCRA,FCRA, 1515 U.S.C.U.S.C. §§ 1681s(a),1681s(a), andand
SectionSection 5(m)(1)(A)5(m)(1)(A) ofof the the FTCFTC Act,Act, 1515 U.S.C.U.S.C. §§ 45(m)(I)(A),45(m)(1)(A), thethe amountamount ofof two two millionmillion fivefive
hundredhundred thousandthousand dollarsdollars ($2,500,000).($2,500,000).
B.B. DefendantDefendant shallshall makemake thethe paymentpayment requiredrequired byby PartPart AA onon oror beforebefore thethe tenthtenth dayday
followingfollowing entryentry ofof this this Decree.Decree. SuchSuch paymentpayment shallshall bebe mademade byby electronicelectronic fundfund transfertransfer inin
accordanceaccordance withwith proceduresprocedures specifiedspecified byby thethe OfficeOffice ofof Consumer Consumer ProtectionProtection Litigation,Litigation, CivilCivil
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__ ... _ V'" -vv • ....,""'" v ...... _. *___ _
Division,Division, UnitedUnited StatesStates DepartmentDepartment ofof Justice, Justice, Washington,Washington, D.C.D.C. 20530.20530.
C.C. InIn thethe eventevent ofof any any defaultdefault inin payment,payment, whichwhich defaultdefault continuescontinues forfor tenten (10)(10) daysdays
beyondbeyond thethe duedue datedate ofof payment, payment, thethe entireentire unpaidunpaid amount,amount, togethertogether withwith interest,interest, asas computedcomputed
pursuantpursuant toto 2828 U.S.C.U.S.C. §§ 19611961 fromfrom thethe datedate ofof default default toto thethe datedate ofof payment, payment, shallshall immediatelyimmediately
becomebecome duedue andand payable.payable.
D.D. TheThe judgmentjudgment amountamount setset forthforth inin PartPart AA representsrepresents aa civilcivil penaltypenalty owedowed toto thethe
UnitedUnited StatesStates Government,Government, isis notnot compensationcompensation forfor actualactual pecuniarypecuniary loss,loss, and,and, therefore,therefore, isis notnot
subjectsubject toto dischargedischarge underunder thethe BankruptcyBankruptcy CodeCode pursuantpursuant toto 1111 U.S.C.U.S.C. §§ 523(a)(7).523(a)(7).
E.E. ProceedingsProceedings initiatedinitiated underunder thisthis PartPart areare inin additionaddition to,to, andand notnot inin lieulieu of,of, anyany
otherother civilcivil oror criminalcriminal penaltiespenalties thatthat maymay bebe providedprovided byby law,law, includingincluding anyany otherother proceedingsproceedings thethe
PlaintiffPlaintiff may may initiateinitiate toto enforceenforce thisthis Decree.Decree.
II.II. INJUNCTIONINJUNCTION AGAINSTAGAINST VIOLATIONSVIOLATIONS OFOF THETHE FTCFTC ACTACT
ITIT ISIS FURTHERFURTHER ORDEREDORDERED thatthat Defendant,Defendant, andand itsits officers,officers, agents,agents, servants,servants,
employees,employees, andand allall personspersons oror entitiesentities inin activeactive concertconcert oror participationparticipation withwith anyany ofof them them whowho
receivereceive actualactual noticenotice ofof this this DecreeDecree byby personalpersonal serviceservice oror otherwise,otherwise, whetherwhether actingacting directlydirectly oror
throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, oror otherother device,device, inin
connectionconnection withwith collectingcollecting oror attemptingattempting toto collectcollect debts,debts, areare herebyhereby permanentlypermanently restrainedrestrained andand
enjoinedenjoined fromfrom takingtaking thethe followingfollowing actions:actions:
A.A. MakingMaking anyany materialmaterial misrepresentation,misrepresentation, expresslyexpressly oror byby implication,implication, toto collectcollect oror
toto attemptattempt toto collectcollect aa debtdebt oror toto obtainobtain informationinformation concerningconcerning aa consumer;consumer; andand
B.B. MakingMaking anyany materialmaterial representation,representation, expresslyexpressly oror byby implication,implication, thatthat aa consumerconsumer
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owesowes aa debtdebt oror asas toto thethe amountamount ofof a a debt, unless,unless, atat thethe timetime ofof makingmaking thethe representation,representation,
DefendantDefendant hashas aa reasonablereasonable basisbasis forfor makingmaking suchsuch representation.representation.
ProvidedProvided that,that, inin thosethose instancesinstances inin whichwhich DefendantDefendant (a)(a) isis requiredrequired by PartPart lILAlILA oror BB ofof this this
DecreeDecree toto conductconduct anan investigation,investigation, (b)(b) hashas donedone so,so, andand (c)(c) hashas reasonablyreasonably concludedconcluded thatthat thethe
informationinformation onon whichwhich DefendantDefendant reliesrelies toto collectcollect oror attemptattempt toto collectcollect thethe debtdebt isis accurateaccurate andand
complete,complete, thethe conclusionsconclusions ofof the the investigationinvestigation shallshall constituteconstitute aa reasonablereasonable basis.basis.
ProvidedProvidedfurther further that,that, inin makingmaking representationsconcemingrepresentations concerning aa debt,debt, DefendantDefendant canrcasonably_canrcasonably_
relyrely onon informationinformation fromfrom thethe originaloriginal creditorscreditors ofof the the debtsdebts toto substantiatesubstantiate thethe accuracyaccuracy andand
completenesscompleteness ofof the the debtsdebts inin thethe absenceabsence ofof a a reasonablereasonable indicationindication thatthat suchsuch informationinformation isis
incomplete,incomplete, inaccurate,inaccurate, unreliable,unreliable, oror doesdoes notnot substantiatesubstantiate thethe claim.claim. AA "reasonable"reasonable indication"indication"
shallshall taketake intointo accountaccount thethe reliabilityreliability andand sourcesource ofof the the information,information, butbut shallshall notnot requirerequire anyany ofof
thethe PartPart IIIIII investigationalinvestigational proceduresprocedures outlinedoutlined below,below, otherother thanthan takingtaking intointo accountaccount thethe
reliabilityreliability andand sourcesource ofof the the information.information.
In.Ill. DUTYDUTY TOTO CONDUCTCONDUCT AA REASONABLEREASONABLE INVESTIGATIONINVESTIGATION
ITIT ISIS FURTHERFURTHER ORDEREDORDERED thatthat Defendant,Defendant, andand itsits officers,officers, agents,agents, servants,servants,
employees,employees, andand allall personspersons oror entitiesentities inin activeactive concertconcert oror participationparticipation withwith anyany ofthemof them whowho
receivereceive actualactual noticenotice ofthisof this DecreeDecree byby personalpersonal serviceservice oror otherwise,otherwise, whetherwhether actingacting directlydirectly oror
throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, Ofor otherother device,device, inin
connectionconnection withwith collectingcollecting oror attemptingattempting toto collectcollect debts,debts, areare herebyhereby permanentlypermanently restrainedrestrained andand
enjoinedenjoined fromfrom failingfailing toto taketake thethe followingfollowing actions:actions:
A.A. InIn eacheach instanceinstance inin whichwhich aa consumer,consumer, atat anyany time,time, questions,questions, disputes,disputes, oror
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challengeschallenges thethe accuracyaccuracy oror completenesscompleteness ofof the the informationinformation onon whichwhich DefendantDefendant isis relyingrelying toto
makemake anyany representationrepresentation thatthat thethe consumerconsumer owesowes aa debtdebt oror asas toto thethe amountamount ofof a a debt;debt; oror aa personperson
actingacting reasonablyreasonably wouldwould considerconsider thethe informationinformation onon whichwhich DefendantDefendant isis relyingrelying toto makemake anyany
representationrepresentation regardingregarding eithereither thethe existenceexistence oror thethe amountamount ofof a a debtdebt toto bebe faciallyfacially unreliable,unreliable,
materiallymaterially inaccurate,inaccurate, oror missingmissing materialmaterial information;information; DefendantDefendant shallshall eithereither
1.1. CloseClose thethe account,account, permanentlypermanently terminateterminate collectioncollection effortsefforts withwith respectrespect toto
thethe specificspecific debt,debt, andand requestrequest deletiondeletion ofofthat that itemitem ofof information information fromfrom thethe ....
consumer'sconsumer's creditcredit reportingreporting file,file, oror
2.2. ReportReport thatthat itemitem ofof information information asas disputeddisputed toto anyany consumerconsumer reportingreporting
agencyagency toto whichwhich thethe informationinformation waswas previouslypreviously reportedreported andand conductconduct andand
completecomplete aa reasonablereasonable investigationinvestigation intointo thethe accuracyaccuracy oror completenesscompleteness ofof such such
information.information. IfIf such such disputesdisputes areare raisedraised duringduring aa telephonetelephone callcall withwith thethe
consumer,consumer, DefendantDefendant maymay reasonablyreasonably providcprovide responsiveresponsive informationinformation oror posepose
reasonablereasonable questionsquestions toto thethe consumer,consumer, inin aa mannermanner thatthat compliescomplies withwith applicableapplicable
law,law, inin anan efforteffort toto resolveresolve anyany suchsuch disputesdisputes raisedraised byby thethe consumer.consumer. IfIf
DefendantDefendant doesdoes notnot substantiatesubstantiate thatthat thethe consumerconsumer owesowes thethe debtdebt followingfollowing aa
reasonablereasonable investigation,investigation, DefendantDefendant shallshall closeclose thethe account,account, permanentlypermanently
terminateterminate collectioncollection effortsefforts withwith respectrespect toto thethe specificspecific debt,debt, andand requestrequest deletiondeletion
ofof that that itemitem ofof information information fromfrom thethe consumer'sconsumer's creditcredit reportingreporting file.file. IfIf Defendant Defendant
doesdoes notnot completecomplete itsits reasonablereasonable investigationinvestigation withinwithin thirtythirty (30)(30) daysdays fromfrom receiptreceipt
ofof the the dispute,dispute, DefendantDefendant shallshall requestrequest deletiondeletion ofof that that itemitem fromfrom thethe consumer'sconsumer's
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creditcredit reporting reporting filefile andand ceasecease ,collection ,collection activitiesactivities untiluntil thethe reasonable reasonable
investigationinvestigation isis complete.complete.
ProvidedProvided that, that, ifif as as aa resultresult ofof its its decisiondecision toto permanentlypermanently terminateterminate collectioncollection effortsefforts oror if if
followingfollowing aa reasonablereasonable investigation,investigation, DefendantDefendant doesdoes notnot substantiatesubstantiate that that the the consumerconsumer owesowes thethe
debt,debt, DefendantDefendant shallshall notnot sellsell thethe debtdebt oror provide provide itit to to anyany otherother corporatecorporate entityentity otherother than than thethe
entityentity fromfrom whichwhich itit acquiredacquired thethe debt.debt.
ProvidedProvided further further thatthat nothingnothing inin PartsParts II II andand IIIIII shallshall requirerequire DefendantDefendant to to conductconduct anan
investigationinvestigation intointo thethe accuracyaccuracy oror completeness completeness ofof the the informationinformation onon whichwhich DefendantDefendant isis relyingrelying
ifif Defendant Defendant determinesdetermines thatthat the the consumer'sconsumer's question,question, dispute,dispute, oror challenge challenge isis frivolousfrivolous oror
irrelevantirrelevant or, or, toto thethe extentextent nono newnew material material evidenceevidence oror informationinformation hashas beenbeen provided,provided, hashas
alreadyalready beenbeen thethe subjectsubject ofof a a reasonablereasonable investigation.investigation. NotwithstandingNotwithstanding anyany otherother provisionprovision inin
thisthis Decree,Decree, thethe DecreeDecree shallshall notnot restrictrestrict oror prohibit prohibit Defendant Defendant fromfrom complyingcomplying withwith anyany federalfederal
oror state state lawlaw requirements,requirements, soso longlong asas suchsuch statestate lawlaw requirements requirements areare notnot inconsistentinconsistent withwith federalfederal
law.law.
ProvidedProvided further further thatthat ifif a a consumerconsumer initiatesinitiates contactcontact with with Defendant Defendant by by anyany means,means,
DefendantDefendant may may respondrespond toto thethe consumerconsumer prior prior toto thethe completioncompletion ofof the the investigation.investigation.
B.B. InIn eacheach instanceinstance wherewhere aa personperson actingacting reasonablyreasonably wouldwould considerconsider thethe informationinformation
inin aa specificspecific portfolioportfolio ofof accounts, accounts, onon which which Defendant Defendant isis relyingrelying toto makemake anyany representationrepresentation toto aa
consumer,consumer, toto bebe faciallyfacially unreliable,unreliable, materiallymaterially inaccurate,inaccurate, oror missingmissing materialmaterial information,information,
DefendantDefendant shallshall terminateterminate collectioncollection effortsefforts onon eacheach accountaccount inin thethe portfolioportfolio untiluntil itit conducts conducts aa
reasonablereasonable investigationinvestigation intointo thethe accuracyaccuracy oror completeness completeness ofof the the informationinformation relatingrelating toto thatthat
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account.account. TheThe factorsfactors thatthat DefendantDefendant mustmust considerconsider inin evaluatingevaluating thethe materialmaterial accuracyaccuracy oror
completenesscompleteness ofof thethe informationinformation onon whichwhich DefendantDefendant reliesrelies include,include, butbut areare notnot limitedlimited to,to,
whetherwhether 1)1) otherother accountsaccounts inin aa particularparticular portfolioportfolio havehave beenbeen disputeddisputed byby consumersconsumers forfor similarsimilar
reasonsreasons atat disproportionatelydisproportionately highhigh rates;rates; 2)2) documentsdocuments fromfrom thethe originaloriginal creditorcreditor (excluding(excluding
affidavits)affidavits) areare notnot available;available; 3)3) becausebecause ofof age, age, missingmissing data,data, oror otherother characteristics,characteristics, aa
disproportionatelydisproportionately highhigh numbernumber ofof accounts accounts inin aa particularparticular portfolioportfolio havehave beenbeen supplementedsupplemented byby
datadata fromfrom third-partythird-party sources;sources; oror 4)4) anyany otherother informationinformation learnedlearned aboutabout aa particularparticular portfolio'sportfolio's
creditcredit originatororiginator andand itsits methodsmethods ofof doing doing businessbusiness callscalls intointo questionquestion thethe accuracyaccuracy oror
completenesscompleteness ofofthe the information.information.
ProvidedProvided that,that, if,if, followingfollowing aa reasonablereasonable investigation,investigation, DefendantDefendant cannotcannot reasonablyreasonably
verByverify thethe accuracyaccuracy oror completenesscompleteness ofof the the accountaccount datadata inin aa particularparticular portfolio,portfolio, DefendantDefendant maymay
notnot sell,sell, oror provideprovide toto anyany otherother corporatecorporate entity,entity, thethe portfolioportfolio oror individualindividual accountsaccounts withinwithin thethe
portfolioportfolio otherother thanthan thethe entityentity fromfrom whichwhich itit acquiredacquired thethe debt.debt.
C.C. ForFor purposespurposes ofof this this Decree,Decree, a;"reasonablea;"reasonable investigation"investigation" shallshall meanmean anan
investigationinvestigation inin whichwhich DefendantDefendant objectivelyobjectively evaluatesevaluates andand weighsweighs thethe relevantrelevant informationinformation andand
circumstances,circumstances, whichwhich maymay include,include, amongamong otherother things:things:
1.1. thethe reliabilityreliability ofofthe the informationinformation onon whichwhich DefendantDefendant reliesrelies inin collectingcollecting oror
attemptingattempting toto collectcollect thethe debt,debt, includingincluding thethe credibilitycredibility ofof the the sourcesource ofof that that
information;information;
2.2. thethe accuracyaccuracy andand completenesscompleteness ofof any any informationinformation fromfrom thethe creditcredit
originator,originator, takingtaking intointo accountaccount thethe reliabilityreliability andand sourcesource ofof the the information;information;
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3.3. thethe accuracyaccuracy andand completenesscompleteness of of any any informationinformation Defendant Defendant has has obtainedobtained
oror may may obtain obtain from from thirdthird party party sources,sources, includingincluding data data aggregators, aggregators, brokersbrokers or or
consumerconsumer reporting reporting agencies; agencies;
4.4. thethe strengthstrength andand credibilitycredibility ofof any any informationinformation provided provided by by thethe consumerconsumer
questioning,questioning, disputing,disputing, oror challenging challenging the the accuracyaccuracy oror completeness completeness of of such such
informationinformation oror otherwise otherwise obtainedobtained by by Defendant Defendant and and the the responsiveness responsiveness ofof the the
consumerconsumer to to reasonablereasonable requests requests forfor information;information;
5.5. thethe nature nature andand frequencyfrequency ofof disputes disputes receivedreceived by by DefendantDefendant about about accounts accounts
withinwithin thethe samesame portfolio; portfolio;
6.6. withwith respect respect to to informationinformation obtained obtained from from the the consumer, consumer, thethe methodsmethods usedused
byby Defendant Defendant to to collectcollect the the information,information, whichwhich shall shall be be inin compliance compliance with with
applicableapplicable laws; laws; andand
7.7. anyany otherother reliable reliable informationinformation that that confirms, confirms, contradicts,contradicts, oror calls calls intointo
questionquestion the the accuracyaccuracy oror completeness completeness ofof such such information.information.
D.D. SubsectionsSubsections A, A, B,B, andand CC of of this this PartPart do do notnot affect affect the the Defendant'sDefendant's obligations obligations to to
complycomply with with all all applicableapplicable provisions provisions ofof the the FDCPA FDCPA oror FCRA. FCRA. AA "dispute""dispute" underunder this this PartPart III III
doesdoes notnot necessarily necessarily constitute constitute aa "dispute" "dispute" for for FDCPA FDCPA oror FCRA FCRA purposes. purposes.
IV.IV. REQUIREDREQUIRED DISCLOSURES DISCLOSURES
ITIT ISIS FURTHERFURTHER ORDERED ORDERED thatthat Defendant, Defendant, and and itsits officers,officers, agents,agents, servants,servants,
employees,employees, andand all all personspersons oror entities entities inin activeactive concertconcert or or participation participation with with any any ofofthem them who who
receivereceive actualactual noticenotice ofof this this Decree Decree by by personal personal serviceservice or or otherwise, otherwise, whetherwhether acting acting directlydirectly oror
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throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, oror other other device,device, inin
connectionconnection withwith collectingcollecting oror attempting attempting to to collectcollect debts, debts, areare herebyhereby permanently permanently restrainedrestrained andand
enjoinedenjoined fromfrom failingfailing toto taketake the the followingfollowing actions:actions:
A.A. AtAt the the time time ofof Defendant's Defendant's initialinitial communicationcommunication withwith aa consumerconsumer inin connectionconnection
withwith thethe collectioncollection ofof a a debt,debt, forfor anyany debtdebt that that the the DefendantDefendant knows knows oror shouldshould knowknow maymay bebe
beyondbeyond thethe applicableapplicable statutestatute oflimitations,oflimitations, Defendant Defendant shall shall makemake the the disclosure(s)disclosure(s) setset forthforth inin
PartPart IV.D, IV.D, below,below, inin itsits validationvalidation notice notice oror other other writtenwritten communicationcommunication containingcontaining the, the ..
informationinformation requiredrequired byby SectionSection 809809 oftheof the FDCPA, FDCPA, 1515 U.S.C.U.S.C. §§ 1692g.1692g.
B.B. SubsequentSubsequent to to itsits initialinitial communicationcommunication withwith aa consumer,consumer, forfor anyany debtdebt wherewhere
DefendantDefendant comes comes intointo possessionpossession of of information information fromfrom whichwhich the the DefendantDefendant knows knows oror should should
knowknow thatthat the the debtdebt hashas passedpassed thethe applicableapplicable statutestatute ofof limitations, limitations, DefendantDefendant shall, shall, inin itsits nextnext
communicationcommunication withwith thethe consumer,consumer, whetherwhether oraloral oror written, written, makemake thethe disclosure(s)disclosure(s) setset forthforth inin
PartPart IV.D, IV.D, below.below.
ProvidedProvided that that Defendant Defendant may may satisfysatisfy thisthis provisionprovision byby makingmaking thethe disclosure(s)disclosure(s) setset forthforth
inin Part Part IV.D,IV.D, below,below, onon oror beforebefore thethe datedate thatthat the the debtdebt hashas passedpassed thethe applicableapplicable statutestatute ofof
limitations.limitations.
C.C. InIn additionaddition toto makingmaking thethe applicableapplicable disclosure(s)disclosure(s) requiredrequired byby Part Part IV.AIV.A oror IV.B,IV.B,
above,above, inin anyany subsequentsubsequent communicationcommunication inin connectionconnection withwith collectingcollecting aa debt,debt, DefendantDefendant shallshall
makemake thethe disclosure(s)disclosure(s) setset forth forth inin PartPart IV.D, IV.D, below,below, ifif failure failure toto dodo soso wouldwould bebe likelylikely toto misleadmislead
aa consumerconsumer actingacting reasonablyreasonably underunder thethe circumstancescircumstances aboutabout thethe Defendant'sDefendant's abilityability oror intentintent toto
taketake legallegal actionaction toto collectcollect thethe debtdebt andand thethe consumer'sconsumer's rightsrights inin connectionconnection withwith suchsuch legallegal
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action.action. FactorsFactors toto considerconsider whenwhen assessingassessing whetherwhether the the netnet impressionimpression oftheof the communicationcommunication isis
likelylikely misleadingmisleading toto aa consumerconsumer actingacting reasonablyreasonably underunder thethe circumstancescircumstances include,include, butbut areare notnot
limitedlimited to:to: 1)1) thethe amountamount ofof time time thatthat hashas lapsedlapsed sincesince DefendantDefendant lastlast communicatedcommunicated withwith thethe
consumer;consumer; 2)2) thethe formform ofof the the Defendant'sDefendant's communicationcommunication withwith thethe consumer;consumer; 3)3) thethe contentcontent ofof
Defendant'sDefendant's communicationcommunication withwith thethe consumer;consumer; 4)4) thethe contextcontext ofof Defendant's Defendant's communicationcommunication
withwith thethe consumer;consumer; andand 5)5) anyany informationinformation learnedlearned fromfrom thethe consumer.consumer.
ProvidedProvided that, that, forfor purposepurpose ofof this this provision,provision, ifif one-hundred one-hundred eightyeighty (180)(180) daysdays oror moremore hashas
elapsedelapsed sincesince DefendantDefendant previously previously communicatedcommunicated withwith thethe consumerconsumer inin connectionconnection withwith
collectingcollecting aa debt,debt, thenthen therethere shallshan existexist aa rebuttablerebuttable presumptionpresumption thatthat failurefailure toto makemake thethe
disclosure(s)disclosure(s) wouldwould bebe likelylikely toto misleadmislead aa consumerconsumer actingacting reasonablyreasonably underunder thethe circumstancescircumstances
aboutabout the the Defendant'sDefendant's abilityability oror intentintent to to taketake legallegal actionaction toto collectcollect the the debtdebt andand thethe consumer'sconsumer's
rightsrights inin connectionconnection withwith suchsuch legallegal action.action.
ProvidedProvidedfurther further that,that, afterafter oneone (1)(1) yearyear hashas lapsedlapsed afterafter the the datedate ofof entry entry ofof this this Order,Order,
anyany competentcompetent andand reliable reliable evidenceevidence (including(including appropriateappropriate andand adequateadequate reports,reports, studies,studies,
surveys,surveys, oror otherother extrinsicextrinsic evidence)evidence) relatingrelating toto whetherwhether failurefailure toto makemake aa subsequentsubsequent
disclosure(s)disclosure(s) requiredrequired underunder PartPart IV.C. IV.C. ofof this this OrderOrder isis likelylikely toto misleadmislead aa consumerconsumer actingacting
reasonablyreasonably underunder the the circumstancescircumstances aboutabout the the Defendant'sDefendant's abilityability oror intentintent to to taketake legallegal actionaction toto
collectcollect the the debtdebt andand thethe consumer'sconsumer's rightsrights inin connectionconnection withwith suchsuch legallegal actionaction shallshall constituteconstitute aa
changechange inin circumstances,circumstances, providingproviding aa partyparty goodgood causecause toto filefile aa motionmotion underunder Fed.Fed. R.R. Civ.Civ. P.P.
60(b)60(b) toto modifymodify oror amendamend thethe termsterms ofof Part Part IV.C. IV.C.
D.D. AsAs requiredrequired byby PartsParts IV.A,IV.A, B,B, andand C,C, above,above, DefendantDefendant shallshall makemake thethe followingfollowing
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disclosure(s),disclosure(s), clearlyclearly andand prominently,prominently, asas applicable:applicable:
I.1. WhenWhen colJectingcollecting onon debtdebt wherewhere thethe debtdebt isis notnot pastpast the the datedate forfor
obsolescenceobsolescence providedprovided forfor inin SectionSection 605(a)605(a) ofof the the FairFair CreditCredit Reporting Reporting Act,Act, 1515
U.S.C.U.S.C. §§ 1681c:1681c:
•• TheThe lawlaw limitslimits howhow longlong youyou cancan bebe sued sued onon aa debt.debt. BecauseBecause ofofthe the
ageage ofof your your debt,debt, wewe willwill notnot sue sue youyou forfor it.it. IfIf you you dodo notnot pay pay thethe
debt,debt, wewe [Asset[Asset Acceptance, Acceptance, LLC],LLC], maymay [continue[continue to] to] reportreport itit to to
thethe creditcredit reportingreporting agenciesagencies [as[as unpaid].unpaid].
2.2. WhenWhen collectingcollecting onon debtdebt wherewhere thethe debtdebt isis passedpassed thethe datedate forfor
obsolescenceobsolescence providedprovided forfor inin SectionSection 605(a)605 (a) ofof the the Fair Fair CreditCredit Reporting Reporting Act,Act, 1515
U.S.C.U.S.C. §§ 1681c:1681c:
• TheThe lawlaw limitslimits howhow longlong you you cancan bebe suedsued onon a a debt.debt. BecauseBecause ofof the the
ageage ofof your your debt,debt, wewe will will notnot sue sue you you forfor it,it, andand we we will will notnot report report
itit to to anyany creditcredit reporting reporting agency. agency.
E.E. DefendantDefendant shall shall not not make make anyany representationrepresentation oror statement, statement, oror take take anyany otherother action action
thatthat interferesinterferes with, with, detractsdetracts from,from, contradicts,contradicts, oror otherwise otherwise underminesundermines thethe disclosuresdisclosures requiredrequired
inin PartPart IV.D, IV.D, above.above.
F.F. DefendantDefendant shaH shall bebe deemed deemed to to havehave compliedcomplied withwith the the disclosuredisclosure requirementsrequirements ofof
PartPart IV IV A, A, B,B, andand CC ifif Defendant Defendant makes makes aa disclosuredisclosure to to consumersconsumers inin aa specificspecific state,state, county,county, oror
citycity thatthat 1)1) isis requiredrequired byby the the lawslaws oror regulations regulations ofof that that jurisdiction, jurisdiction, 2) 2) compliescomplies withwith those those lawslaws
oror regulations, regulations, andand 3)3) isis substantiallysubstantially similarsimilar to to thethe disclosure(s)disclosure(s) requiredrequired inin Part Part IV.D, IV.D, above.above.
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G.G. ForFor any any debtdebt where where the the DefendantDefendant has has provided provided the the applicableapplicable disclosure(s)disclosure(s)
requiredrequired byby PartsParts IV.A, IY.A, B, B, oror C C to to thethe consumer,consumer,
1.1. DefendantDefendant shall shall not not initiate initiate anyany arbitrationarbitration oror legallegal actionaction toto recoverrecover onon
suchsuch debt; debt;
2.2. InIn selling, selling, transferring,transferring, oror assigningassigning suchsuch aa debt, debt, thethe Defendant Defendant shall shall not not
sel1,sell, transfer,transfer, oror assign assign with with thethe debtdebt any any rightright to to commencecommence any any arbitrationarbitration oror
legallegal actionaction to to recoverrecover on on the the debt. debt.
3.3. TheThe Defendant Defendant shall shall includeinclude inin allall contractscontracts to to sell,sell, transfer,transfer, oror assign assign suchsuch
debtdebt a a provision provision that that contains contains aa clear clear and and prominentprominent notification notification toto thethe buyer,buyer,
transferee,transferee, oror assignee assignee that:that:
a.a. DefendantDefendant is is notnot selling, selling, transferring,transferring, oror assigning assigning allall ofof its its
rightsrights toto collectcollect the the debt;debt; andand
b.b. DefendantDefendant is is expresslyexpressly withholding withholding from from thethe sale, sale, transfer,transfer,
oror assignment assignment anyany rightsrights itit may may havehave to to initiateinitiate anyany
arbitrationarbitration oror legallegal actionaction to to recoverrecover onon the the debt.debt.
4.4. TheThe Defendant Defendant shall shall provideprovide a a copy copy ofof this this OrderOrder to to anyany person person to to whomwhom
DefendantDefendant sells, sells, transfers,transfers, oror assigns assigns anyany suchsuch debt.debt.
H.H. NothingNothing in in thisthis PartPart shall shall be be construedconstrued to to supersedesupersede oror be be inin lieulieu of of any any otherother
applicableapplicable requirements, requirements, includingincluding but but not not limitedlimited to to SectionSection 809809 ofof the the FDCPA,FDCPA, oror any any statestate oror
locallocal statutes.statutes.
I.1. DefendantDefendant shaI1 shaI1 bebe responsible responsible forfor thethe requirements requirements inin SectionSection IV IV forty-fiveforty-five (45)(45)
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daysdays afterafter entryentry ofof this this Decree. Decree.
V.V. FURNISHINGFURNISHING NEGATIVENEGATIVE INFORMATION INFORMATION TO TO CONSUMERCONSlUMER REPORTING REPORTING
AGENCIESAGENCIES
ITIT IS IS FURTHERFURTHER ORDERED ORDERED that that Defendant, Defendant, andand itsits officers,officers, agents,agents, servants,servants,
employees,employees, andand aUall personspersons oror entitiesentities inin activeactive concertconcert or or participation participation withwith anyany ofof them them whowho
receivereceive actualactual noticenotice ofof this this DecreeDecree byby personalpersonal serviceservice oror otherwise, otherwise, whetherwhether actingacting directlydirectly oror
throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, oror otherother device, device, inin
connectionconnection withwith collectingcollecting oror attemptingattempting toto collectcollect debts,debts, areare herebyhereby pennanentlypermanently restrainedrestrained andand
enjoinedenjoined fromfrom failingfailing toto provide,provide, toto anyany consumerconsumer aboutabout whomwhom DefendantDefendant reportsreports negativenegative
informationinformation toto anyany consumerconsumer reportingreporting agency,agency, aa writtenwritten noticenotice nono laterlater thanthan thirtythirty (30)(30) daysdays
afterafter furnishingfurnishing suchsuch negativenegative information.information. ForFor purposespurposes ofof this this Part,Part, DefendantDefendant shallshall nono longerlonger
bebe deemeddeemed toto havehave providedprovided writtenwritten noticenotice iftheif the noticenotice isis returnedreturned toto DefendantDefendant asas undeliverable.undeliverable.
VI.VI. INJUNCTIONINJUNCTION AGAINSTAGAINST FCRAFCRA VIOLATIONS VIOLATIONS
ITIT ISIS FURTHERFURTHER ORDERED ORDERED thatthat Defendant,Defendant, andand itsits officers,officers, agents,agents, servants,servants,
employeesemployees andand allall personspersons oror cntitiesentities inin activeactive concertconcert or or participation participation withwith anyany ofof them, them, whowho
receivereceive actualactual noticenotice ofof this this DecreeDecree byby personalpersonal serviceservice oror otherwise,otherwise, whetherwhether actingacting directlydirectly oror
throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, oror otherother device,device, areare
herebyhereby permanentlypermanently restrainedrestrained andand enjoinedenjoined fromfrom takingtaking thethe followingfollowing actions:actions:
A.A. FurnishingFurnishing informationinformation relatingrelating toto anyany consumerconsumer toto anyany consumerconsumer reportingreporting
agencyagency inin violationviolation ofof Section Section 623(a)(1)623(a)(1) ofof the the FCRA,FCRA, 1515 U.S.C.U.S.C. §§ 1681s-2(a)(1).1681s-2(a)(1).
B.B. FailingFailing toto investigateinvestigate consumerconsumer disputes,disputes, asas requiredrequired byby SectionSection 623(b)623(b) ofof the the ,, ConsentConsent Decree,Decree, PagePage 1515 of28of 28 Case 8:12-cv-00182-JDW-EAJ Document 4 Filed 01/31/12 Page 16 of 28 PageID 80
FCRA,FCRA, 1515 U.S.C.U.S.C. §§ 1681s-2(b),1681s-2(b), whenwhen consumerconsumer reportingreporting agenciesagencies referrefer disputesdisputes toto itit pursuant pursuant
toto SectionSection 6I1(a)(2),611(a)(2), 1515 U.S.C.U.S.C. §§ 1681i(a)(2).1681i(a)(2).
C.C. FailingFailing toto investigateinvestigate consumerconsumer disputesdisputes receivedreceived directlydirectly fromfrom consumers,consumers, asas
requiredrequired byby thethe Furnisher Furnisher Rule,Rule, 1616 C.F.R.C.F .R. PartPart 660.-660 .•
D.D. FailingFailing toto complycomply inin anyany otherother respectrespect withwith thethe FCRA.FCRA.
VIT.VIT. INJUNCTIONINJUNCTION AGAINSTAGAINST FDCPAFDCPA VIOLATIONSVIOLATIONS
ITIT ISIS FURTHERFURTHER ORDEREDORDERED thatthat Defendant,Defendant, andand eacheach ofof its its officers,.agents,officers,.agents, servants,servants,
employeesemployees andand allall personspersons oror entitiesentities inin activeactive concertconcert oror participationparticipation withwith anyany ofof them them whowho
receivereceive actualactual noticenotice ofofthis this DecreeDecree byby personalpersonal serviceservice oror otherwise,otherwise, whetherwhether actingacting directlydirectly oror
throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate, oror otherother device,device, inin
connectionconnection withwith collectingcollecting oror attemptingattempting toto collectcollect debts,debts, areare herebyhereby permanentlypermanently restrainedrestrained andand
enjoinedenjoined fromfrom takingtaking thethe followingfollowing actions:actions:
A.A. CommunicatingCommunicating moremore thanthan onceonce withwith personspersons otherother thanthan thethe consumerconsumer forfor thethe
purposepurpose ofof obtaining obtaining locationlocation informationinformation aboutabout the'the' consumer consumer withoutwithout thethe person'sperson's consentconsent oror aa
reasonablereasonable beliefbelief that that thethe earlierearlier responseresponse ofof the the personperson waswas erroneouserroneous oror incompleteincomplete andand thatthat thethe
personperson nownow hashas correctcorrect oror completecomplete locationlocation information,information, inin violationviolation ofof Section Section 804(3)804(3) ofof the the
FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692b(3);1692b(3);
B.B. ExceptExcept asas providedprovided inin SectionSection 804804 oftheof the FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692b(3),1692b(3), withoutwithout
thethe priorprior consentconsent ofof the the consumerconsumer givengiven directlydirectly toto thethe debtdebt collector,collector, oror thethe expressexpress permissionpermission
ofof a a courtcourt ofof competent competent jurisdiction, jurisdiction, oror asas reasonablyreasonably necessarynecessary toto effectuateeffectuate aa postpostjudgment judgment
judicialjudicial remedy,remedy, communicatingcommunicating inin connectionconnection withwith thethe collectioncollection ofof any any debtdebt withwith anyany personperson
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otherother thanthan thethe consumer,consumer, hishis oror herher attorney,attorney, aa consumerconsumer reportingreporting agencyagency ifif otherwise otherwise permittedpermitted
byby law,law, thethe creditor,creditor, thethe attorneyattorney ofof the the creditor,creditor, oror the the attorneyattorney ofof the the debtdebt collector,collector, inin violationviolation
ofof Section Section 805(b)805(b) ofof the the FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692c(b).1692c(b). ForFor thethe purposepurpose ofof this this PartPart VII,VII, thethe
termterm "consumer""consumer" includesincludes thethe consumer'sconsumer's spouse,spouse, parentparent (if(if the the consumerconsumer isis aa minor),minor), guardian,guardian,
executor,executor, oror administrator;administrator;
C.C. UsingUsing anyany false,false, deceptive,deceptive, oror misleadingmisleading representationrepresentation oror meansmeans inin connectionconnection
withwith thethe collectioncollection ofof any any debt,debt, inin violationviolation ofof Section Section 807807 ofof the the FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692e,1692e,
including,including, butbut notnot limitedlimited to,to, thethe following:following:
1.1. UsingUsing aa falsefalse representationrepresentation concerningconcerning thethe character,character, amount,amount, oror legallegal
statusstatus ofof any any debt,debt, inin violationviolation ofof Section Section 807(2)(A)807(2)(A) ofof the the FDCPA,FDCPA, 1515 U.S.C.U.S.C.
§§ 1692e(2)(A);1692e(2)(A); oror
2.2. CommunicatingCommunicating creditcredit informationinformation toto consumerconsumer reportingreporting agenciesagencies thatthat
DefendantDefendant knows,knows, oror shouldshould know,know, toto bebe false,false, inin violationviolation ofof Section Section 807(8)807(8) ofof
thethe FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692e(8);1692e(8);
D.D. ContinuingContinuing toto collectcollect onon anyany debtdebt withoutwithout obtainingobtaining andand providingproviding toto thethe
consumerconsumer verificationverification ofof the the debtdebt whenwhen thethe consumerconsumer hashas notifiednotified DefendantDefendant inin writingwriting withinwithin
thethe thirtythirty (30)(30) dayday periodperiod describeddescribed inin SectionSection 809(a)809(a) ofof the the FDCPA,FDCPA, 1515 U.S.C.U.S.C. §1692g(a),§1692g(a), thatthat
thethe debt,debt, oror anyany portionportion thereof,thereof, isis disputed,disputed, asas prohibitedprohibited byby SectionSection 809(b)809(b) ofof the the FDCPA,FDCPA, 1515
U.S.C.U.S.C. §1692g(b);§1692g(b); andand
E.E. FailingFailing toto complycomply inin anyany otherother respectrespect withwith thethe FDCPA,FDCPA, asas attachedattached andand asas
hereafterhereafter amended.amended.
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VIII.VIII. NOTICENOTICE REQUIREMENTSREQUIREMENTS
ITIT ISIS FURTHERFURTHER ORDEREDORDERED that:that:
A.A. ForF or aa periodperiod ofof five five (5)(5) yearsyears fromfrom thethe datedate ofof entry entry ofof this this Decree,Decree, Defendant,Defendant,
whetherwhether actingacting directlydirectly oror throughthrough anyany businessbusiness entity,entity, corporation,corporation, subsidiary,subsidiary, division,division, affiliate,affiliate,
agent,agent, servant,servant, officer,officer, employee,employee, oror otherother device,device, inin connectionconnection withwith actingacting asas aa "debt"debt collector"collector"
inin thethe collectioncollection ofof a a "debt""debt" fromfrom aa "consumer,""consumer," asas thosethose termsterms areare defineddefined inin SectionSection 803(6),803(6), (5),(5),
andand (3),(3), respectively,respectively, ofof the the FDCPA,FDCPA, 1515 U.S.C.U.S.C. §§ 1692a(6),1692a(6), (5),(5), andand (3),(3), shallshall makemake the.the. followingfollowing
disclosuredisclosure clearlyclearly andand prominentlyprominently onon eacheach writtenwritten collectioncollection communicationcommunication thatthat isis sentsent toto aa
consumerconsumer forfor thethe purposepurpose ofof collecting collecting aa debt:debt:
FederalFederal lawlaw prohibitsprohibits certaincertain methodsmethods ofof debt debt collection,collection, andand requiresrequires thatthat wewe treattreat youyou fairlyfairly. . YouYou cancan stopstop usus fromfrom contactingcontacting youyou byby writingwriting aa letterletter toto usus thatthat tellstells usus toto stopstop thethe contactcontact oror thatthat youyou refuserefuse toto paypay thethe debt.debt. SendingSending suchsuch aa letterletter doesdoes notnot makemake thethe debtdebt gogo awayaway ifif you you oweowe it.it. OnceOnce wewe receivereceive youryour letter,letter, wewe maymay notnot contactcontact youyou again,again, exceptexcept toto letlet youyou knowknow thatthat therethere won'twon't bebe anyany moremore contactcontact oror thatthat wewe intendintend toto taketake aa specificspecific action.action.
IfIf you you havehave aa complaintcomplaint aboutabout thethe wayway wewe areare collectingcollecting thisthis debt,debt, pleaseplease writewrite toto usus atat [current[current physicalphysical address],address], emailemail usus atat [current[current emailemail address],address], oror callcall usus toll-freetoll-free atat [current[current phonephone number]number] betweenbetween 9:009:00 A.M.A.M. andand 5:005:00 P.M.P.M. EasternEastern StandardStandard Time,Time, MondayMonday --Friday.Friday.
TheThe FederalFederal TradeTrade CommissionCommission enforcesenforces thethe FairFair DebtDebt CollectionCollection PracticesPractices ActAct (FDCPA).(FDCPA). IfIf you you havehave aa complaintcomplaint aboutabout thethe wayway wewe areare collectingcollecting youryour debt,debt, pleaseplease contactcontact thethe FTCFTC onlineonline atat www.:ftc.gov;www.ftc.gov; byby phonephone atat 1-877-FTC-HELP;1-877-FTC-HELP; oror byby mailmail atat 600600 PennsylvaniaPennsylvania Ave.,Ave., N.W.,N.W., Washington,Washington, D.C.D.C. 20580.20580.
TheThe aboveabove disclosuredisclosure shallshall bebe givengiven inin thethe language(s)language(s) thatthat appearsappears inin suchsuch communicationscommunications sentsent
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toto consumers.consumers. DefendantDefendant shallshall bebe responsibleresponsible forfor thethe requirementsrequirements inin Part VIlLA forty-fiveforty-five (45)(45)
daysdays afterafter entryentry of thisthis Decree.Decree.
B.B. Defendant,Defendant, whether actingacting directlydirectly or throughthrough anyany businessbusiness entity,entity, corporation,corporation,
subsidiary,subsidiary, division,division, affiliate,affiliate, agent,agent, servant,servant, officer, employee,employee, oror otherother device,device, inin connectionconnection
withwith actingacting asas aa "debt"debt collector"collector" inin thethe collectioncollection of a a "debt""debt" fromfrom aa "consumer,""consumer," asas thosethose termsterms
areare defineddefined inin Section 803(6),803(6), (5),(5), andand (3),(3), respectively,respectively, of thethe FDCPA, 15 U.S.C. § 1692a(6),
(5),(5), andand (3),(3), shallshall provide aa copycopy ofofthe the followingfollowing noticenotice toto allall officers,.servants,officers,servants, agents,agents, andand ..
employeesemployees having responsibility withwith respectrespect toto thethe collectioncollection ofof consumerconsumer debts,debts, within
thirtythirty (30)(30) daysdays of thethe datedate of entryentry of thisthis Decree, andand toto eacheach officer, servant,servant, agent,agent, andand
employeeemployee hired forfor a period offive (5)(5) years afterafter thatthat date, no laterlater thanthan thethe timetime thethe officer,
servant,servant, agent,agent, andand employeeemployee assumesassumes responsibilityresponsibility with respectrespect toto thethe collectioncollection of suchsuch debts,
andand shallshall securesecure fromfrom eacheach suchsuch person, within thirtythirty (30)(30) days of delivery, aa signedsigned andand dated
statementstatement acknowledgingac!mowledging receiptreceipt of a copycopy of thethe notice:
Debt collectorscollectors must complycomply with thethe federalfederal Fair Debt CollectionCollection Practices Act, which limitslimits our activitiesactivities inin tryingtrying toto collect money fromfrom consumers.consumers.
InIn particular, Section 804 of thethe Act sayssays that you may not contactcontact anyany person other thanthan thethe consumerconsumer forfor thethe purpose of acquiringacquiring locationlocation informationinformation aboutabout thethe consumerconsumer more thanthan once unless . you have reasonreason toto believe thatthat thethe earlierearlier responseresponse of thethe person was incompleteincomplete andand thatthat suchsuch person now hashas corrected or complete locationlocation information.information.
Also, SectionSection 805 ofof thethe Act sayssays thatthat you maymay not contact a consumerconsumer at work ifif you know!mow or should know!mow it isis inconvenientinconvenient forfor thethe consumer, and thatthat you may not communicatecommunicate with anyany person otherother thanthan thethe consumer inin connection with thethe collectioncollection of
Consent Decree, Page 19 of28 Case 8:12-cv-00182-JDW-EAJ Document 4 Filed 01/31/12 Page 20 of 28 PageID 84
aa debt,debt, forfor anyany purposepurpose otherother than than toto obtainobtain locationlocation infonnationinformation aboutabout the the consumer.consumer.
InIn addition,addition, SectionSection 806806 ofof that that Act Act states states thatthat youyou maymay notnot engageengage inin anyany conductconduct the the naturalnatural consequencesconsequences ofof which which isis toto harass,harass, oppressoppress oror abuse abuse anyany personperson inin connectionconnection withwith the the collectioncollection ofof a a debt,debt, including,including, butbut notnot limitedlimited to,to, usingusing languagelanguage thethe naturalnatural consequenceconsequence ofof which which isis toto abuseabuse thethe hearerhearer oror reader. reader.
Furthennore,Furthermore, SectionSection 807807 ofof that that Act Act prohibits prohibits thethe useuse ofof any any false,false, deceptivedeceptive oror misleading misleading representationrepresentation oror means means inin connectionconnection withwith thethe collectioncollection ofof any any debt,debt, including,including, butbut not not limitedlimited to,to, communicatingcommunicating oror threatening threatening toto communicatecommunicate toto aa consumerconsumer reportingreporting agencyagency infonnationinformation whichwhich isis knownknown oror which which shouldshould bebe knownknown to to bebe false,false, includingincluding the the failurefailure toto communicatecommunicate thatthat aa disputeddisputed debtdebt isis disputed.disputed.
IndividualIndividual debtdebt collectorscollectors maymay bebe financiallyfinancially liableliable forfor theirtheir violationsviolations ofof the the Act. Act.
ProvidedProvided that that forfor purposespurposes ofof compliance compliance withwith PartPart VI1I.B VIII.B ofof this this Decree,Decree, thethe signaturesignature
requiredrequired may may bebe inin the the fonn form ofof an an electronicelectronic signature.signature.
IX.IX. DISTRIBUTIONDISTRIBUTION OFOF CONSENTCONSENT DECREE, DECREE, NOTICENOTICE TO TO FURNISHERSFURNISHERS OFOF INFORMATION:INFORMATION: OBLIGATIONSOBLIGATIONS OFOF FURNISHERS FURNISHERS UNDER UNDER THE THE FCRA, FCRA, ANDAND THETHEFDCPABYDEFENDANT FDCPA BY DEFENDANT
ITIT ISIS FURTHERFURTHER ORDERED ORDERED that: that:
ForFor aa periodperiod ofof three three (3)(3) yearsyears fromfrom thethe datedate ofof entry entry ofof this this Decree,Decree, DefendantDefendant shall shall
deliverdeliver copiescopies ofof the the Decree, Decree, thethe FDCP FDCPA,A, andand thethe FCRA FCRA as as directeddirected below:below:
A.A. DefendantDefendant shallshall provide provide copies copies ofof this this Decree, Decree, Notice Notice to to Furnishers Furnishers ofof
Infonnation:Information: ObligationsObligations ofof Furnishers Furnishers UnderUnder the the FCRA, FCRA, 1616 C.FC.F.R. .R. PartPart 698, 698, AppendixAppendix G,G, andand
thethe FDCP FDCPA A to to allall ofof its its principals,principals, officers,officers, directors,directors, andand managers.managers. DefendantDefendant must must alsoalso deliverdeliver
copiescopies ofof this this Decree,Decree, Notice Notice to to FurnishersFurnishers ofoflnformation: Infonnation: ObligationsObligations ofof Furnishers Furnishers UnderUnder the the
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FCRA, 1616 C.F.R.C.F.R. PartPart 698,698, Appendix G,G, andand thethe FDCPAFDCPA toto allall ofitsof its employees,employees, agentsagents andand
representativesrepresentatives who engageengage inin conductconduct relatedrelated toto thethe subjectsubject mattermatter ofof this this Decree.Decree. ForFor currentcurrent
personnel, deliverydelivery shallshall bebe withinwithin fivefive (5)(5) daysdays ofof service service of this this DecreeDecree upon Defendant.Defendant. ForFor
new personnel,personnel, deliverydelivery shallshall occur prior toto theirtheir assumingassuming theirtheir responsibilities.responsibilities. ForFor anyany
business entityentity resultingresulting fromfrom anyany changechange inin structurestructure setset forthforth inin SubsectionSubsection A.2A.2 ofof thethe PartPart titledtitled
"Compliance"Compliance Reporting,"Reporting," deliverydelivery shallshall bebe atat leastleast tenten (10)(10) daysdays prior toto thethe changechange inin structure.structure.
B.B. Defendant must secutesecute aa signedsigned andand dateddated statementstatement acknowledgingacknowledging-receipt .receipt of thisthis
Decree, Notice toto Furnishers ofInformation:ofInformation: ObligationsObligations of FurnishersFurnishers Under thethe FCRA, 16
C.F.R. PartPart 698,698, Appendix G,G, andand thethe FDCPA, withinwithin thirtythirty (30)(30) daysdays of delivery,delivery, fromfrom allall
persons receivingreceiving copiescopies of suchsuch documents, pursuantpursuant toto thisthis Part.
Provided thatthat forfor purposes of compliance compliance with Part.Part. lX.BIX.B ofof thisthis Decree, thethe signaturesignature
requiredrequired maymay be inin thethe formform of an an electronicelectronic signature.
X.x. COMPLIANCE MONITORING
ITIT ISIS FURTHER ORDERED that,that, forfor thethe purpose of monitoring and investigatinginvestigating
compliancecompliance with anyany provision of thisthis Decree:
A. Within thirtythirty (30)(30) days of receipt receipt of written noticenotice fromfrom aa representativerepresentative of thethe
Commission, Defendant shallshall submit additional written reports,reports, which are truetrue and accurate and
swornsworn toto under penalty of perjury; produce documents forfor inspectioninspection and copying;copying; appearappear forfor
deposition;deposition; and provide entryentry during normal business hourshours toto any business locationlocation inin
Defendant's possession or direct or indirectindirect controlcontrol toto inspect thethe business operation;
B. InIn addition,addition, thethe Commission is authorizedauthorized toto use allall other lawfullawful means, includingincluding
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butbut notnot limitedlimited to:to:
1.1. ObtainingObtaining discoverydiscovery fromfrom anyany person,person, withoutwithout furtherfurther leaveleave ofof court, court, usingusing
thethe proceduresprocedures prescribedprescribed byby Fed.Fed. R.R. Civ.Civ. P.P. 30,30, 31,31, 33,33, 34,34, 36,45,36, 45, andand 69;69; andand
2.2. HavingHaving itsits representativesrepresentatives posepose asas consumersconsumers andand supplierssuppliers toto Defendant,Defendant,
theirtheir employees,employees, oror anyany otherother entityentity managedmanaged oror controlledcontrolled inin wholewhole oror inin partpart byby
Defendant,Defendant, withoutwithout thethe necessitynecessity ofof identification identification oror priorprior notice;notice; andand
C.C. DefendantDefendant shallshall permitpermit representativesrepresentatives ofof the the CommissionCommission toto interviewinterview any.any.
employer,employer, consultant,consultant, independentindependent contractor,contractor, representative,representative, agent,agent, oror employeeemployee whowho hashas agreedagreed
toto suchsuch anan interview,interview, relatingrelating inin anyany wayway toto anyany conductconduct subjectsubject toto thisthis Decree.Decree. TheThe personperson
interviewedinterviewed maymay havehave counselcounsel present.present.
Provided,Provided, however,however, thatthat nothingnothing inin thisthis DecreeDecree shallshall limitlimit thethe Commission'sCommission's lawfullawful useuse ofof
compulsorycompulsory process,process, pursuantpursuant toto SectionsSections 99 andand 2020 ofof the the FTCFTC Act,Act, 1515 U.S.C.U.S.C. §§§§ 49,49, 57b-I,57b-l, toto
obtainobtain anyany documentarydocumentary material,material, tangibletangible things,things, testimony,testimony, oror informationinformation relevantrelevant toto unfairunfair oror
deceptivedeceptive actsacts oror practicespractices inin oror affectingaffecting commercecommerce (within(within thethe meaningmeaning ofof
1515 U.S.C.U.S.C. §§ 45(a)(1)).4S(a)(1)).
XI.XI. COMPLIANCECOMPLIANCE REPORTINGREPORTING BYBY DEFENDANTDEFENDANT
ITIT ISIS FURTHERFURTHER ORDEREDORDERED that,that, inin orderorder thatthat compliancecompliance withwith thethe provisionsprovisions ofof this this
DecreeDecree maymay bebe monitored:monitored:
A.A. ForFor aa periodperiod ofof four four (4)(4) yearsyears fromfrom thethe datedate ofof entry entry ofof this this Decree,Decree, DefendantDefendant
shallshall notifynotify thethe CommissionCommission ofof any any changeschanges inin itsits structurestructure oror thethe structurestructure ofof any any businessbusiness entityentity
thatthat DefendantDefendant directlydirectly oror indirectlyindirectly controls,controls, oror hashas anan ownershipownership interestinterest in,in, thatthat maymay affectaffect
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compliancecompliance obligationsobligations arisingarising underunder this this Decree,Decree, includingincluding butbut not not limitedlimited to: to: incorporationincorporation or or
otherother organization; organization; aa dissolution,dissolution, assignment,assignment, sale,sale, merger,merger, oror other other action;action; thethe creationcreation oror
dissolutiondissolution ofof a a subsidiary,subsidiary, parent,parent, oror affiliateaffiliate that that engages engages inin anyany actsacts oror practices practices subjectsubject to to this this
Decree;Decree; oror a a changechange inin thethe businessbusiness name name oror address, address, atat least least thirty thirty (30)(30) daysdays priorprior to to suchsuch
change.change.
ProvidedProvided that, that, withwith respect respect to to anyany suchsuch changechange inin the the businessbusiness entityentity aboutabout whichwhich
DefendantDefendant learnslearns lessless thanthan thirtythirty (30)(30) daysdays priorprior to to thethe datedate suchsuch actionaction isis toto taketake place,place, ..
DefendantDefendant shall shall notifynotify thethe CommissionCommission asas soonsoon asas isis practicablepracticable afterafter obtaining obtaining suchsuch knowledge.knowledge.
B.B. OneOne hundred hundred eightyeighty (180)(180) daysdays afterafter the the datedate ofof entry entry ofof this this DecreeDecree andand annuallyannually
thereafterthereafter for for aa periodperiod ofof four four (4)(4) years,years, DefendantDefendant shallshall provideprovide aa writtenwritten reportreport to to thethe FTC,FTC,
whichwhich isis truetrue andand accurateaccurate andand swornsworn toto underunder penalty penalty ofof perjury, perjury, settingsetting forthforth inin detaildetail thethe
mannermanner andand formform inin whichwhich theythey havehave compliedcomplied andand areare complyingcomplying withwith thisthis Decree.Decree. ThisThis reportreport
shallshall include,include, butbut notnot be be limitedlimited to: to:
1.1. AA copycopy ofof each each acknowledgmentacknowledgment of of receipt receipt ofof employee employee noticenotice obtainedobtained
pursuantpursuant to to PartPart VIILB VIII.B ofthisof this Decree: Decree:
2.2. AA copycopy ofof each each acknowledgmentacknowledgment of of receipt receipt oftmsof this Decree,Decree, NoticeNotice toto
FurnishersFurnishers ofof Information: Information: ObligationsObligations ofof Fum Furnishersis hers UnderUnder the the FCRA, FCRA, 1616 C.FC.F.R. .R.
PartPart 698,698, AppendixAppendix G,G, andand FDCPA FDCPA obtainedobtained pursuantpursuant to to SectionSection IX.BIX.B ofof this this
Decree;Decree; andand
3.3. AnyAny otherother changeschanges requiredrequired toto bebe reportedreported pursuantpursuant to to subsectionsubsection AA ofof this this
Part.Part.
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C.C. DefendantDefendant shallshall notifYnotify thethe CommissionCommission ofof the the filingfiling ofof a a bankruptcybankruptcy petitionpetition byby
DefendantDefendant withinwithin fifteenfifteen (15)(15) daysdays ofof filing.filing.
D.D. ForFor purposespurposes ofthisof this Decree,Decree, DefendantDefendant shall,shall, unlessunless otherwiseotherwise directeddirected byby thethe
Commission'sCommission's authorizedauthorized representatives,representatives, sendsend byby overnightovernight couriercourier allall reportsreports andand notificationsnotifications
requiredrequired byby thisthis DecreeDecree toto thethe Commission,Commission, toto thethe followingfollowing address:address:
ASSOCIATEASSOCIATE DIRECfORDIRECTOR FORFOR ENFORCEMENTENFORCEMENT BUREAUBUREAU OFOF CONSUMERCONSUMER PROTECTIONPROTECTION FEDERALFEDERAL TRADETRADE COMMISSIONCOMMISSION 600600 PENNSYLVANIAPENNSYLVANIA AVENUE,AVENUE, N.N. W.W. WASfflNGTON,VVASHrnNGTON,D.C.20580 D.C. 20580
RE:RE: UnitedUnited StatesStates v.v. AssetAsset Acceptance, Acceptance, L.L.L.L.c., C., CivilCivil ActionAction No.No.
ProvidedProvided that,that, inin lieulieu ofof overnight overnight courier,courier, DefendantDefendant maymay sendsend suchsuch reportsreports oror
notificationsnotifications byby first-classfirst-class mail, butbut onlyonly ifif Defendant Defendant contemporaneouslycontemporaneously sendssends anan clectronicelectronic
versionversion ofof such such reportreport oror notificationnotification toto thethe CommissionCommission at:at: [email protected]@ftc.gov.
E.E. ForFor purposespurposes ofof the the compliancecompliance reportingreporting andand monitoringmonitoring requiredrequired byby thisthis Decree,Decree,
thethe CommissionCommission isis authorizedauthorized toto communicatecommunicate directlydirectly withwith Defendant.Defendant.
XII.XII. RECORDRECORD KEEPINGKEEPING PROVISIONSPROVISIONS
ITIT ISIS FURTHERFURTHER ORDEREDORDERED that,that, forfor aa periodperiod ofof seven seven (7)(7) yearsyears fromfrom thethe datedate ofof entry entry
ofof this this Decree,Decree, Defendant,Defendant, forfor anyany ofof its its businessesbusinesses forfor whichwhich thethe primaryprimary activityactivity isis thethe
collectioncollection ofof debts, debts, isis herebyhereby restrainedrestrained andand enjoinedenjoined fromfrom failingfailing toto createcreate andand retainretain thethe
fonowingfollowing records:records:
A.A. AccountingAccounting recordsrecords thatthat reflectreflect thethe revenuesrevenues generatedgenerated inin connectionconnection withwith thethe
collectioncollection ofof debts, debts, andand thethe disbursementdisbursement ofof such such revenues;revenues;
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B.B. PersonnelPersonnel recordsrecords accuratelyaccurately reflecting:reflecting: thethe name,name, address,address, andand telephonetelephone numbernumber
ofof each each personperson employedemployed inin anyany capacitycapacity byby suchsuch business,business, includingincluding asas anan independentindependent
contractor;contractor; thatthat person'sperson's jobjob titletitle oror position;position; thethe datedate uponupon whichwhich thethe personperson commencedcommenced work;work;
andand thethe datedate andand reasonreason forfor thatthat person'sperson's termination,termination, ifif applicable; applicable;
C.C. ConsumerConsumer filesfiles containingcontaining thethe names,names, addresses,addresses, phonephone numbers,numbers, dollardollar amountsamounts
ofof debt debt owed,owed, recordsrecords ofof collection collection activity,activity, andand amountsamounts collected;collected;
D.D. ForFor everyevery consumerconsumer complaint,complaint, whetherwhether receivedreceived directly,directly, indirectly,indirectly, oror throughthrough aa
thirdthird party,party, recordsrecords thatthat include:include:
1.1. AnyAny complaintcomplaint andand thethe datedate received,received, andand thethe naturenature ofof the the complaintcomplaint asas
reflectedreflected inin anyany notes,notes, logs,logs, oror memoranda,memoranda, includingincluding aa descriptiondescription ofof the the conductconduct
alleged;alleged; andand
2.2. TheThe basisbasis ofof the the complaint,complaint, includingincluding thethe namesnames ofof any any debtdebt collectorscollectors oror
supervisorssupervisors complainedcomplained about;about; thethe n~turen~ture ofof any any investigationinvestigation conductedconducted
concerningconcerning thethe validityvalidity ofof any any complaint;complaint; allall documentsdocuments relatingrelating toto thethe dispositiondisposition
ofof the the complaint,complaint, includingincluding recordsrecords ofof all all contactscontacts withwith thethe consumer,consumer, Defendant'sDefendant's
responseresponse toto thethe complaintcomplaint andand thethe responseresponse date,date, whetherwhether thethe complaintcomplaint waswas
resolved,resolved, thethe datedate ofof resolution; resolution; andand anyany actionaction takentaken toto correctcorrect thethe conductconduct
complainedcomplained about;about;
E.E. CopiesCopies ofof all all scripts,scripts, trainingtraining materials,materials, formform lettersletters andand emails,emails, oror otherother materialsmaterials
usedused inin connectionconnection withwith communicatingcommunicating toto consumers;consumers;
F.F. CopiesCopies ofof all all advertisementsadvertisements andand otherother marketingmarketing materials;materials; andand
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G.G. AllAll recordsrecords andand documentsdocuments necessarynecessary toto demonstratedemonstrate fullfull compliancecompliance withwith eacheach
provisionprovision ofof this this Decree,Decree, including,including, butbut notnot limitedlimited to,to, copiescopies ofof acknowledgments acknowledgments ofof receipt receipt ofof
noticesnotices givengiven toto employees,employees, requiredrequired byby PartPart VIII.B,VIII.B, copiescopies ofof acknowledgments acknowledgments ofof receipt receipt ofof this this
Decree,Decree, NoticeNotice toto FurnishersFurnishers ofInformation:ofInformation: ObligationsObligations ofof Furnishers Furnishers UnderUnder thethe FCRA,FCRA, 1616
C.F.R.C.F.R. PartPart 698,698, AppendixAppendix G,G, andand thethe FDCPA,FDCPA, requiredrequired byby PartPart IX.B,IX.B, andand allall reportsreports submittedsubmitted
toto thethe FTC FTC pursuantpursuant to to PartPart XI. XI.
xm.XID. ACKNOWLEDGMENTACKNOWLEDGMENT OFOF RECEIPT RECEIPT OFOF CONSENTCONSENT DECREE DECREE
ITIT ISIS FURTHER FURTHER ORDERED ORDERED thatthat Defendant, Defendant, withinwithin fivefive (5)(5) businessbusiness ofof receipt receipt ofof this this
DecreeDecree asas enteredentered byby the the Court,Court, mustmust submitsubmit to to thethe CommissionCommission aa truthfultruthful swornsworn statementstatement
acknowledgingacknowledging receiptreceipt ofof this this Decree.Decree.
XIV.XIV. RETENTIONRETENTION OFOF JURISDICTION JURISDICTION
ITIT ISIS FURTHERFURTHER ORDERED ORDERED thatthat thisthis CourtCourt shallshall retainretain jurisdiction jurisdiction ofof this this mattermatter forfor
thethe purposespurposes ofof construction, construction, modification,modification, andand enforcementenforcement ofof this this Decree.Decree.
JlTDGMENTJUDGMENT ISIS THEREFORETHEREFORE ENTERED ENTERED inin favorfavor ofof Plaintiff Plaintiff and and againstagainst Defendant, Defendant,
pursuantpursuant toto allall thethe termsterms andand conditionsconditions recitedrecited above.above.
DATED: ~ 3) ,~'iol"]"--- ....,L.-::;;n.~~=-==::::::::::===------
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FORFOR PLAINTIFF PLAINTIFF UNITED UNITED STATES STATES OF OF FORFOR THE THE UNITED UNITED STATES STATES AMERICA:AMERICA: FEDERALFEDERAL TRADE TRADE COMMISSION: COMMISSION:
TONYTONY WEST WEST ROBERTROBERT~~2.~~~~2.~~ J. J. BROEDER,HROEDER, DIRECTOR DIRECTOR AssistantAssistant Attorney Attorney General General NorthwestNorthwest Region Region TRACYTRACY S. S. THORLEIFSON THORLEIFSON MAAMEEWUSI-MENSAHFRIMPONGMAAMEEWUSI-MENSAHFRIMPONG JULIEJULIE MAYER MAYER ActingActing Deputy Deputy Assistant Assistant Attorney Attorney General General AttorneysAttorneys FederalFederal Trade Trade Commission Commission MICHAELMICHAEL S. S. BLUME BLUME NorthwestNorthwest Region Region DirectorDirector 915915 Second Second Ave., Ave., Suite Suite 2896 2896 Seattle,Seattle, WA WA 98174 98174 KENNETIIKENNETH L. L. JOST JOST Telephone:Telephone: 206-220-630 206-220-630 DeputyDeputy Director Director Fax:Fax: 206-220-6366 206-220-6366 ConsumerConsumer Protection Protection Branch Branch [email protected]@ftc.gov [email protected]@ftc.gov ,.- ·SANG H. LEE SANG H. LEE ADRIENNE E. FOWLER Dated: 12.--' ADRIENNE E. FOWLER Dated: ---..!....!.--~I_2...-'r hoi ____ _ TrialTrial Attorneys Attorneys ConsumerConsumer Protection Protection Branch Branch U.S.U.S. Department Department of of Justice Justice POBoxPOBox 386 386 Washington,Washington, DC DC 20044-038620044-0386 Telephone:Te]ephone: 202-616-0219 202-616-0219 Fax:Fax: 202-514-8742 202-514-8742 [email protected]@usdoj.gov Adrienne.E.FAdrienne.E.F [email protected] [email protected]
Dated: I ( 30 /I:l-I Dated: I f I:l-I
ConsentConsent Decree, Decree, Page Page 27 27 of of28 28 Case 8:12-cv-00182-JDW-EAJ Document 4 Filed 01/31/12 Page 28 of 28 PageID 92 - -.-,
FOR THE DEFENDANT:DEFENDANT: -?72·/~ 2.!~ EDWIN L. HERBERT Vice President-General Counsel Asset Acceptance, LLC 28405 VanDykeVan Dyke Warren, MI 48093 Telephone: 586-446-1782 [email protected]
COUNSEL FOR DEFENDANT:
~~~WILLIAM C. MACLEOD Kelley Drye & Warren LLP Washington Harbour, Suite 400, 3050 K Street, NW Washington, D.C. 20007 Telephone: (202) 342-8811 [email protected]@keUeydrye.com
Dated: I,13(1/12- /311/12-
Consent Decree, Page 2828 of28