The U.S. Court of Appeals for the Second Circuit has clarified the law on what constitutes an “initial communication” that triggers a debt collector’s obligation to state the amount of the debt under the Fair Debt Collection Practices Act.
Reviving a case against a law firm under the act (FDCPA), the circuit held that mortgage foreclosure complaints are not initial communications that start the five-day clock running on the requirement to tell a debtor exactly what they owe.
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