The FDCPA requires a debt collector to disclose certain information to a debtor in its “initial communication” or by sending a “written notice containing” the disclosures within five days after that “initial communication.” In Lavallee v. Med-1 Solutions, LLC, the Seventh Circuit
In Duncan v. Asset Recovery Specialists, Inc., 907 F.3d 1016 (7th Cir. 2018), the Court found in favor of a repossession company, ruling that the company did not violate the Fair Debt Collection Practices Act (FDCPA) by charging an administrative fee for
Replevin seeks the return of property, along with possible damages. It allows for the possible return/possession of the property at a Show Cause hearing, a hearing held before a trial. It is filed in the District Court, regardless of the amount in dispute.