Legal Compliance

We understand the importance of complying with the laws and regulations that govern the debt collection process.The Law Office of Jennifer McCoy understands the importance of staying abreast of and complying with the multitude of federal and state laws and regulations that govern the debt collection and eviction processes. Furthermore, we are keenly aware that our debt recovery and eviction practices directly reflect on our clients. As such, we firmly adhere to the strictest of ethical and professional standards.

State and federal laws and regulations demand that people are treated in a fair and respectful manner. In addition to complying with these laws and regulations, we have found that individuals are most responsive to collection and eviction efforts when they are treated with dignity and respect. Accordingly, we treat everyone with respect while performing the necessary due diligence to achieve results for our clients.

The Law Office of Jennifer McCoy adheres to the following:

  • Financial Services Modernization Act of 1999 (Gramm-Leach-Bliley Act) (15 U.S.C. Subchapter 1, §§ 6801-6810)
  • Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) "Guides Against Debt Collection Deception" issued by the Federal Trade Commission
  • United States Postal Service regulations governing the use of mail in pursuing accounts receivable collection
  • Telephone Consumer Protection Act of 1991 (TCPA)
  • Consumer Credit Protection Act (15 U.S.C. § 1691 et. seq.)
  • The Privacy Act of 1974, as amended (5 U.S.C. § 562 et. seq.)
  • Section 13 of the Debt Collection Act of 1982, as amended (Pub. Law 97-365)
  • Fair Credit Reporting Act ( 20 U.S.C. § 1681 et. seq.)
  • Truth in Lending Act (TILA) (15 U.S.C. § 1601 et. seq.)
  • Health Insurance Portability and Accountability Act (HIPAA) (42 U.S.C § 201 et. seq.)
  • Uniform Residential Landlord and Tenant Act (Tenn. Code Ann § 66-281-101 et seq.)
  • The Fair Housing Act (42 U.S.C. §§ 3601-3619)

In addition to complying with state and federal laws and regulations, The Law Office of Jennifer McCoy has voluntarily adopted the guidelines promulgated by The American Collectors Association, Code of Ethics and Professional Responsibility.