Tag Archives: John Bedard

The time has come for the rubber to meet the road. For the cards to be dealt and played. For green flag to be waved and the race to start. A new era in the history of the accounts receivable management industry begins today, and with it, a new host …

After 35 episodes and nearly eight hours of in-depth analysis, we have reached the end of the line. The series finale of “You Wanted a Rule, You Got a Rule.” In the last episode of the series, John Bedard of Bedard Law Group breaks down the last three sections of …

In a lot of what’s included in Regulation F, the Consumer Financial Protection Bureau gave debt collectors options, such as what to say in the Limited-Content Message or what to include in the Model Validation Notice. While there are components of each that are required, collectors are given the opportunity …

If there is one certainty about what is going to happen once Regulation F goes into effect on November 30, it’s that individuals who receive notices from debt collectors are going to dispute more debts. By providing the option for consumers to dispute the validity of a debt on the …

America is a melting pot of cultures and backgrounds. And that means that a lot of the people living here in the United States came from places where English wasn’t the primary language that was spoken. Take me, for instance. Being Canadian, it took a lot for me to learn …

For all of the excitement and possibility that surrounds the area of collectors communicating electronically with consumers via email, text messaging, and other digital channels, one of the areas that collectors tend to shy away from is sending the initial validation notice through such channels. But the Consumer Financial Protection …

In the latest episode of “You Wanted a Rule, You Got a Rule,” John Bedard of Bedard Law Group finishes walking through his analysis and breakdown of the eight optional disclosures that collectors are allowed to include on their copies of the Model Validation Notice and still enjoy the safe …

When it issued Regulation F, the Consumer Financial Protection Bureau did not just issue a set of rules that debt collectors absolutely needed to follow. While much of what is included in Regulation F sets forth requirements that are mandatory, the CFPB also gave collectors some latitude to put their …

“Substantially similar.” It’s a phrase that any plaintiff’s attorney is going to fall in love with once the calendar hits November 30 and Regulation F goes into effect. For the purposes of this article, we’re using “substantially similar” with respect to making changes to Regulation F’s Model Validation Notice while …

One of the most common questions that has been asked about collectors using the Model Validation Notice put forth by the Consumer Financial Protection Bureau in Regulation F is, “Can we make any changes to it?” Collectors have asked about adding additional pieces of information, disclosures, or making other changes …