FDCPA v Bankruptcy Code WHICH RULES Presented by Mayur Patel Ginsburg Patel PC Houston Randy Rios Hughes Watters Askanase LLP Houston SOUTHERN DISTRICT OF TEXAS BANKRUPTCY BENCH BAR CONFERENCE ID: 761703
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FDCPA v. Bankruptcy Code:WHICH RULES? Presented by: Mayur Patel – Ginsburg Patel, P.C. – Houston Randy Rios – Hughes Watters Askanase , LLP – Houston SOUTHERN DISTRICT OF TEXAS BANKRUPTCY BENCH BAR CONFERENCE Omni Corpus Christi Hotel Bayfront Tower 900 North Shoreline Blvd. Corpus Christi, Texas 78401 April 20-22, 2016
Addressing Potential Creditor AbusesThe Bankruptcy CodeAutomatic Stay (11 U.S.C. § 362) Discharge Injunction (11 U.S.C. § 524) Sanctions (11 U.S.C. § 105) Claims process (11 U.S.C. § 502, Rule 3001 and 3002.1) Federal Debt Collection Practices ACT (FDCPA) Improper communication (15 U.S.C. § 1692c) Harassment or abuse (15 U.S.C. § 1692d) False or misleading representations (15 U.S.C. § 1692e) Unfair practices (15 U.S.C. § 1692f) The issue: can a debtor seek relief under the Bankruptcy Code and the FDCPA?
The Lay of the LandIs the FDCPA preempted by the Bankruptcy Code?Pending casesDischarged cases Circuits split No preemption: 2 nd , 3 rd , 11 th Preemption: 4 th , 8 th , 9 th It depends: 7 th Bankruptcy Courts all over the place
The Southern District of TexasNO PREEMPTION: Trevino v. HSBC Mortgage Servs ., Inc. (In re Trevino), 525 B.R. 110 (2015): “Because the Bankruptcy Code and the FDCPA do not conflict with regards to the filing of a proof of claim, relief under the FDCPA is not preempted by the Code.”