00:02:38	Client Dispute Manager:	no body yet
00:27:23	Xavia Phillips:	Yes please. Thank you leaving now
00:32:52	Marie Green:	Me!
00:39:12	Ebony DuBois:	Yes I own a CRO
00:39:47	Denise Miles:	YESSSS!
00:53:19	Raven Thomas:	Been there done that unfortunately
01:05:03	Belinda B Bennett:	I am
01:05:11	Raven Thomas:	Yes
01:11:59	Ebony DuBois:	I have experienced email
01:12:16	Ebony DuBois:	Say no to email they will always email you going forward
01:12:40	Ebony DuBois:	I have taken that call and confirmed the debt by making an error in what I said
01:49:51	Ebony DuBois:	1) Dont make a payment arrangement and break it you can see CO CO CO 30 CO CO 30 60
01:50:19	Ebony DuBois:	2) pay the right company or you still owe the deb
01:57:34	Ebony DuBois:	If you say you going to court be ready to go please
02:03:37	Ebony DuBois:	https://www.consumerfinance.gov/rules-policy/regulations/1006/34/#b-5
02:04:30	Ebony DuBois:	2. Updated validation period. If a debt collector sends a subsequent validation notice to a consumer because the consumer did not receive the original validation notice and the consumer has not otherwise received the validation information required by § 1006.34(c), the debt collector must calculate the end date of the validation period specified in the § 1006.34(c)(3) disclosures based on the date the consumer receives or is assumed to receive the subsequent validation notice. For example, assume a debt collector sends a consumer a validation notice on January 1, and that notice is returned as undeliverable. After obtaining accurate location information, the debt collector sends the consumer a subsequent validation notice on January 15. Pursuant to § 1006.34(b)(5), the end date of the validation period specified in the § 1006.34(c)(3) disclosures is based on the date the consumer receives or is assumed to receive the validation notice sent on January 15.
02:08:54	Ebony DuBois:	They have to place the item in Dispute with Tu, EX and EQ
02:11:28	Ebony DuBois:	1. Assumed receipt of validation information. Section 1006.34(b)(5) defines the validation period as the period starting on the date that a debt collector provides the validation information required by § 1006.34(c) and ending 30 days after the consumer receives or is assumed to receive it. Section 1006.34(c)(3)(i) through (iii) requires statements that specify the end date of the validation period. If a debt collector provides the validation information in writing or electronically, then, at the time that the debt collector calculates the validation period end date, the debt collector will know only the date on which the consumer is assumed to receive the validation information. In such cases, the debt collector may use that date to calculate the validation period end date even if the debt collector later learns that the consumer received the validation information on a different date.
02:11:54	Ebony DuBois:	BOOM 30 days for the VOD letter
02:16:41	Belinda B Bennett:	It's great to see you all and I pray to see you on the next meeting. Happy Holidays!
02:17:17	Marie Green:	I have to jump off and put my son to bed. See you all next week!
02:17:23	Venita Zeigler:	Same to you Belinda
02:17:30	Client Dispute Manager:	ok
02:21:38	Ebony DuBois:	(4) Procedures for email addresses. For purposes of paragraph (d)(3)(i) of this section, a debt collector may send an email to an email address if:

(i) Procedures based on communication between the consumer and the debt collector.

(A) The consumer used the email address to communicate with the debt collector about the debt and the consumer has not since opted out of communications to that email address; or

(B) The debt collector has received directly from the consumer prior consent to use the email address to communicate with the consumer about the debt and the consumer has not withdrawn that consent; or

Official interpretation of Paragraph 6(d)(4)(i)(B).
02:22:24	Ebony DuBois:	(ii) Procedures based on communication by the creditor.

(A) A creditor obtained the email address from the consumer;

(B) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it;

Official interpretation of Paragraph 6(d)(4)(ii)(B).
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(C) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed:
02:22:29	Ebony DuBois:	EMAIL RULES LISTED ABOVE
02:23:15	Ebony DuBois:	(ii) Procedures based on communication by the creditor.

(A) A creditor obtained the email address from the consumer;

(B) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it;

Official interpretation of Paragraph 6(d)(4)(ii)(B).
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(C) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed:
02:23:24	Ebony DuBois:	EMAIL OPT OUT ABOVE
02:24:19	Ebony DuBois:	LAW THAT GOVERNS FIRST CONTACT
02:24:21	Ebony DuBois:	(2) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by:

Official interpretation of 34(b)(2) Initial communication.
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(i) The Internal Revenue Code of 1986 (26 U.S.C. 1 et seq.);

(ii) Title V of the Gramm-Leach-Bliley Act (15 U.S.C. 6801 through 6827); or

(iii) Any provision of Federal or State law or regulation mandating notice of a data security breach or privacy risk.
02:25:25	Ebony DuBois:	WAYS THE DEBT COLLECTOR CAN OBTAIN THE AMOUNT OF THE DEBT
02:25:26	Ebony DuBois:	(3) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt:

Official interpretation of 34(b)(3) Itemization date.
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(i) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor;

Official interpretation of Paragraph 34(b)(3)(i).
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(ii) The charge-off date, which is the date the debt was charged off;

(iii) The last payment date, which is the date the last payment was applied to the debt;

Official interpretation of Paragraph 34(b)(3)(iii).
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(iv) The transaction date, which is the date of the transaction that gave rise to the debt; or

Official interpretation of Paragraph 34(b)(3)(iv).
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(v) The judgment date, which is the date of a final court judgment that determines the amount of the debt owed by the consumer.
02:30:10	Xavia Phillips:	Debt collection letters
02:34:57	Ebony DuBois:	@RAVEN YOU WANT THE SECOND SECTION PROOF NOT GOOD ENOUGH
02:35:18	Ebony DuBois:	Have to jump in my car and help someone will be driving
03:02:30	Lyle Crews:	5-7 right now
03:02:42	Venita Zeigler:	4
03:02:43	Rocco Fanelli:	3
03:02:47	Francisco Joseph:	4
03:02:49	Raven Thomas:	4
03:02:50	Clement Smith III:	6
03:02:54	Ebony DuBois:	9
03:02:54	Xavia Phillips:	0
03:03:11	Denise Miles:	3
03:03:15	Xavia Phillips:	I'm brand new to the industry
03:03:43	Amin Shah:	5
03:21:59	Reginald Allen:	Thanks again Mark