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THE DEBT COLLECTION PRACTICES ACT

HEARINGS

BEFORE THE

SUBCOMMITTEE ON CONSUMER AFFAIRS

OF THE

COMMITTEE ON
BANKING, CURRENCY AND HOUSING

HOUSE OF REPRESENTATIVES

NINETY-FOURTH CONGRESS

SECOND SESSION

ON

H.R. 11969

A BILL TO AMEND THE CONSUMER CREDIT PROTECTION ACT

TO PROHIBIT ABUSIVE PRACTICES BY DEBT COLLECTORS

MARCH 30, 31; APRIL 6, 7, AND 8, 1976

Printed for the use of the
Committee on Banking, Currency and Housing

U.S. GOVERNMENT PRINTING OFFICE

WASHINGTON : 1976

70-388 0

COMMITTEE ON BANKING, CURRENCY AND HOUSING

HENRY 8. REUSS, Wisconsin, Chairman
WILLIAM A. BARRETT, Pennsylvania

ALBERT W.JOHNSON, Pennsylvania
LEONOR K. (MRS. JOHN B.) SULLIVAN, J. WILLIAM STANTON, Ohio
Missouri

GARRY BROWN, Michigan
THOMAS L, ASHLEY, Ohio

CHALMERS P. WYLIE, Ohio
WILLIAM S. MOORHEAD, Pennsylvania JOHN H. ROUSSELOT, California
ROBERT G. STEPHENS, JR., Georgia

STEWART B. MCKINNEY, Connecticut
FERNAND J. ST GERMAIN, Rhode Island JOHN B. CONLAN, Arizona
HENRY B. GONZALEZ, Texas

GEORGE HANSEN, Idaho
JOSEPH G. MINISH, New Jersey

RICHARD T. SCHULZE, Pennsylvania FRANK ANNUNZIO, Illinois

WILLIS D. GRADISON, JR., Ohio THOMAS M. REES, California

HENRY J. HYDE, Illinois JAMES M. HANLEY, New York

RICHARD KELLY, Florida PARREN J. MITCHELL, Maryland

CHARLES E. GRASSLEY, Iowa
WALTER E. FAUNT ROY,

MILLICENT FENWICK, New Jersey
District of Columbia
LINDY (MRS. HALE) BOGGS, Louisiana
STEPHEN L. NEAL, North Carolina
JERRY M. PATTERSON, California
JAMES J. BLANCHARD, Michigan
CARROLL HUBBARD, JR., Kentucky
JOHN J. LAFALCE, New York
GLADYS NOON SPELLMAN, Maryland
LES AUCOIN, Oregon
PAUL E. TSONGAS, Massachusetts
BUTLER DERRICK, South Carolina
PHILIP H. HAYES, Indiana
MARK W. HANNAFORD, California
DAVID W. EVANS, Indiana
CLIFFORD ALLEN, Tennessee
NORMAN E. D'AMOURS, New Hampshire
STANLEY N. LUNDINE, New York

PAUL NELSON, Clerk and Staff Director
WILLIAM P. Dixon, General Counsel
MICHAEL P. FLAHERTY, Counsel

GRASTY CREWS II, Counsel
ORMAN S. FINK, Minority Staff Director
GRAHAM T. NORTHUP, Deputy Minor ity Staff Director

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SUBCOMMITTEE ON CONSUMER AFFAIRS

FRANK ANNUNZIO, Illinois, Chairman
LEONOR K. (MRS. JOHN B.) SULLIVAN, CHALMERS P. WYLIE, Ohio
Missouri

MILLICENT FENWICK, New Jersey
GLADYS NOON SPELLMAN, Maryland

CHARLES E. GRASSLEY, Iowa
WILLIAM A. BARRETT, Pennsylvania
HENRY B. GONZALEZ, Texas
WALTER E. FAUNT ROY,

District of Columbia
STEPHEN L. NEAL, North Carolina

CURTIS A. PRINS, Staf Director

CONTENTS

STATEMENTS
Ashman, Jay I., assistant attorney general, State of Vermont.

230
Avant, Seivea, National Mercantile Agency, Washington, D.C..

189
Bagley, Larry, department store manager

74
Chenoweth, Sherry, director, Office of Consumer Affairs, Department of

Commerce, State of Minnesota ..

216

Crawford, William, reporter for the Chicago Tribune

Eichner, Tom, commercial artist..

72

Ennis

, Frank, master sergeant, U.S. Army Band.

Evans, Mary, employee the U.S. Secret Service..

73

Faigin, Douglas, chief, California Bureau of Collection and Investigative

Services, Department of Consumer Affairs, State of California -

248

Fletcher, Jack, member of the American Collectors Association's National

Legislative Council and president, United Creditors Service, Inc.,

Nashville, Tenn...

161

Fox, Carolyn, employee of the Washington Hebrew Congregation

71

Gaines, William, reporter for the Chicago Tribune.

45

Goldfarb, Lew, Deputy Assistant Director, Division of Special Statutes,

Bureau of Consumer Protection, Federal Trade Commission; accom-

panied by Jared Blum, staff attorney, General Counsel's Office, Federal

Trade Commission..

271

Goldstein, Dr. Larry, professor of mathematics, University of Maryland. 62
Gross, Richard, assistant attorney general and deputy chief, consumer
protection division, office of the attorney general, State of Massachu-

252

Inglehart, William A., president, G C Services Corp. ; accompanied by

Daniel Mayers, attorney

309

Johnson, John W., executive vice president, American Collectors Associa-

tion; accompanied by Jack Fletcher, president, United Creditors Service,

Nashville, Tenn.; and Linda Russell, owner-manager, Credit Bureau of

Carbon County, Rawlins, Wyo.,

130

Leonardini

, Robert P., secretary/treasurer, Santa Clara Valley Adjust-

ment Service, Inc., San Jose, Calif., on behalf of the California Associa-

tion of Collectors

192

Peterson, Ken, American Federation of Labor and Congress of Industrial

Organizations (AFL-CIO); on behalf of Andrew J. Biemiller, director of
legislation...

301
Raleigh, Thomas, manager, Illinois Collection Agency, Office of Consumer

Services; on behalf of the Department of Registration and Education,

State of Illinois and Robert Stackler, director..

246

Russell

, Linda, owner-manager of the Credit Bureau of Carbon County,

Rawlins, Wyo...

155

Selbo, Carl J., president, Capital Credit Corporation, Washington, D.C. 190

setts.

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