Podcast appearances and mentions of john bedard

In the latest episode of “You Wanted a Rule, You Got a Rule,” John Bedard of Bedard Law Group breaks down the four categories of validation information that will be required to be included in validation notices so collectors can understand what changes are going to have to be made to their letters.

In this episode, John Bedard of Bedard Law Group finishes off the other prohibited practices detailed by the Consumer Financial Protection Bureau in Regulation F, more commonly known as the debt collection rule. This includes what to do when someone makes a payment but has multiple debts placed with a collector, how to handle accounts that have been discharged in bankruptcy, and where collection lawsuits must be filed.

In this episode, John Bedard of Bedard Law Group kicks off a discussion about Section 1006.34, which covers the CFPB's model validation notice, starting with a new term coined for Regulation F — Validation Information — and moving on to how this information is required to be communicated to consumers.

For the first time, “You Wanted a Rule, You Got a Rule” looks at Part II of Regulation F, which the Consumer Financial Protection Bureau released last December. This particular section of the debt collection rule may be somewhat straightforward — debt collectors may not bring or threaten to bring legal actions against a consumer to collect a time-barred debt. But determining whether a debt is time-barred or not is far less straightforward. In this episode, John Bedard walks through the section on collecting time-barred debts while offering his insights into the nuances of determining which statutes of limitations apply and a key change the CFPB made from the proposed rule to the final rule which makes the stakes even higher for collectors when they make a mistake.

When it was written, the Fair Debt Collection Practices Act laid out a number of things that collectors are not allowed to do. In order to maintain consistency, and because there are still collectors today doing those things they are not allowed to do, the CFPB kept many of the original provisions from the FDCPA in its debt collection rule. That includes ensuring that collectors do not use false, deceptive, or misleading representations when attempting to collect on debts. In this episode, John Bedard walks through all of the things that collectors need to learn to make sure they do not run afoul of the law in this important area.

So far, John Bedard has covered the harassing, oppressive, abuse abusive, false, deceptive, misleading, unfair, and unconscionable conduct that is prohibited under Regulation F, the CFPB's Debt Collection Rule. In this episode of “You Wanted a Rule, You Got a Rule,” John turns his attention to Section 1006.30, which details the other prohibited practices that collectors are barred from doing. The CFPB lists five practices that are prohibited in this section, and the first one deals with something known as debt parking, which occurs when a furnisher of information to credit reporting agencies reports an unpaid debt to a credit bureau without notifying the consumer first. Listen to John detail the steps that furnishers must follow if they are to comply with the credit reporting provisions of Regulation F.

When it released its debt collection rule, the Consumer Financial Protection Bureau did not make a lot of changes to how the Fair Debt Collection Practices Act restricts the use of harassing, oppressive, and abusive behavior, but it did make some subtle changes, and they are changes that collectors need to be aware of. In the latest episode of, “You Wanted a Rule, You Got a Rule,” John Bedard of Bedard Law Group finishes off Section 1006.14 of the debt collection rule, walking through some of the new wrinkles that are different from what was originally included in the FDCPA.

The Consumer Financial Protection Bureau instituted a number of safeguard to protect debt collectors when communicating with individuals via text messaging and email. But in order to receive the protections of those safeguards, collectors have a lot of steps that need to be followed. In this episode of You Wanted a Rule, You Got a Rule, sponsored by Bedard Law Group, John Bedard walks through the steps that need to be followed in order for a collector to be able to invoke the Bona Fide Error defense when communicating via email and text messaging. For any collector that is planning on using these communication channels because the CFPB is now allowing it, understanding these conditions under which the Bona Fide Error defense can be used will be of critical importance.

The Consumer Financial Protection Bureau calls for opt-out messages for electronic communications, including email and text messaging, to be “clear and conspicuous” and that opting out of receiving such messages needs to be “reasonable and simple.” In this episode of “You Wanted a Rule, You Got a Rule,” John Bedard of Bedard Law Group walks through what those terms mean and how collectors need to approach this important provision of the debt collection rule. 

While a definite page-turner, the CFPB's debt collection rule should not be read like a traditional book. In this episode, John Bedard breaks down how to properly digest the rule and in what order the rule should be read to ensure maximum comprehension.

In this episode of “You Wanted a Rule, You Got a Rule,” John Bedard of the Bedard Law Group starts to break down the specific sections of the CFPB's debt collection rule. Up first — Section 1006.1, Authority, purpose, and coverage, and most of Section 1006.2, definitions.

On its face, the limited content message can be seen as a godsend for the collection industry. The chance to leave a voicemail for a consumer and not have it count as a communication under the FDCPA. But, as John Bedard points out in this episode of “You Wanted a Rule, You Got a Rule,” the conditions under which a limited content message may be left for a consumer may be such that it does not make business sense to use it. Collection agencies are going to have to test the effectiveness of the limited content message in order to determine if it is worth using it.

When is it inconvenient for a collector to try and communicate with an individual? In this episode of You Wanted a Rule, You Got a Rule, John Bedard of The Bedard Law Group starts breaking down Section 1006.6 — communications in connection with debt collection — by discussing the importance of understanding when it is convenient and inconvenient to speak with a consumer.

Collectors are prohibited from directly contacting individuals who are represented by attorneys. But, there is an exception if the attorney does not respond to a communication from a debt collector in a reasonable amount of time. What is reasonable? In this episode of “You Wanted a Rule, You Got a Rule,” which is sponsored by The Bedard Law Group, John Bedard talks about how the CFPB's debt collection rule addresses this situation.

When engaged with an individual on the phone as part of a location information conversation, do your collectors know all the requirements that need to be met? In this episode of “You Wanted a Rule, You Got a Rule,” John Bedard of the Bedard Law Group breaks down how the CFPB's debt collection rule addresses these requirements and the language that he sees often left out of those conversations.

When it released its debt collection rule, the Consumer Financial Protection Bureau included a safe harbor protecting collectors from third-party disclosure violations under the Fair Debt Collection Practices Act when sending emails. In this episode, John Bedard of the Bedard Law Group breaks down the steps that collectors need to take in order to be able to invoke the Bona Fide Error defense. 

In the first episode of this new video series, John Bedard of the Bedard Law Group walks us through the process that has led us to the precipice of a new debt collection rule being released by the Consumer Financial Protection Bureau.

In this episode, John Bedard of The Bedard Law Group and Dennis Barton of the Barton Law Group address a number of topics, including:The new debt collection rule in New York CityHow to handle communications after an account has been closedRules and regulations dealing with offshore contact centersThe difference between verification and validationDefining frivolous, as it relates to disputesAnd more!

In this episode of Ask The Compliance Expert, John Bedard from The Bedard Law Group offers a step-by-step breakdown of how companies in the credit and collection industry should handle instances where an individual alleges he or she has been the victim of identity theft.

In this episode, John Bedard explains the differences between receiving a cease & desist request from a consumer and a consumer revoking consent to being contacted. As well, he discusses the differences between receiving revocation requests across different communication channels.

ACA International celebrated a huge win in September when the House Financial Services Committee agreed to allow two ACA representatives to testify on a debt collections panel. Testifying before the U.S. House or Senate is an exclusive honor reserved for leaders who have the knowledge and expertise to engage with lawmakers while providing accurate information. This riveting episode of ACA Cast titled, “Testifying on Your Behalf,” features Leah Dempsey, ACA’s vice president and senior counsel, who will moderate a discussion between John Bedard, owner of the Bedard Law Group in Atlanta, and Sarah Auchterlonie, an ACA consultant and shareholder at Brownstein Hyatt Farber Schreck in Denver, about their experience testifying before the committee chaired by U.S. Rep. Maxine Waters, D-CalifSupport the show (http://www.acainternational.org)

Call baiting is a tricky technique used by consumers, their attorneys or other nefarious organizations to entrap accounts receivable management professionals who work diligently to follow the letter of the law. Think about it—as an ARM professional, have you ever spoken with a debtor who was reading from a script, talking on a speaker phone or perhaps being coached by a third party? If so, you may have been chatting with a call baiter.In this episode of ACA Cast titled “Call Baiting: Don’t Get Hooked,” John Bedard, owner of the Bedard Law Group in Atlanta, and Greg Ruffino, director of training at Williams and Fudge in Rock Hill, South Carolina, offer sound advice and tips on recognizing and dealing with call baiters. This informative episode is a follow-up to Ruffino’s well-attended session on call baiting featured at ACA International’s 2019 Convention & Expo in San Diego. Support the show (http://www.acainternational.org)

From one expert to another. This episode of ACA Cast titled “Compliance Education: Knowledge is Power,” features two well-known industry veterans who engage in an informative discussion about ACA’s education offerings including professional certifications.Listen to Harry Strausser III, ACA’s director of education and membership development, discuss compliance, training and ACA’s cutting-edge delivery mechanisms with John Bedard, an attorney with the Bedard Law Group in the Atlanta area. Strausser and Bedard are highly-trained certified instructors who have volunteered countless hours working to educate and train collections professionals so that they can thrive in the industry.Support the show (http://www.acainternational.org)

There are many states where individuals move around, especially those who work jobs on farms. When moving from one state to another, temporarily, does a collection agency need a license in that other state in order to try and collect from someone who is living there on a short-term basis? Listen to this episode of Ask The Compliance Expert to hear John Bedard's answer.

Collection agencies that collect in multiple states have many different laws and regulations to comply with. In this episode of Ask The Compliance Expert, John Bedard shares his tips and tools to help collection agencies stay on top of what they can and can't do when collecting in different states.

In this episode, John Bedard answers questions about the difference between risk assessments and audits and when you should use each of them, and how to make sure an agency is following the policies and procedures in its compliance management systems.

This week on Beer Sessions Jimmy is dedicating the show to an issue that affects all breweries, but is rarely discussed: wastewater. Water is integral to making beer but a lot is wasted. Typically one pint of beer requires seven pints of water. For this conversation, Jimmy is joined by John Bedard of Kushner Studios, a brewery architect; Paul Mankiewicz, a biologist from the Gaia Institute; and Evan Bowles, a wastewater engineer. These experts discuss various policies surrounding the issue and the diverse challenges brewers face from New York to California. They divulge to talk about the importance of environmentally conscious design from green roofs to solar panels and imagine how they would construct a sustainable brewery from the ground up. Episode Beer List: Evil Twin, Ridgewood Resurrection Evil Twin, By The End of the Day Burial, Bone Digger Pale Ale Beer Sessions Radio is powered by Simplecast.

Capital Club Radio - Interview with John Bedard, Credit and Collection Industry Advisor John Bedard Bedard Law Group, P.C. John is an AV rated attorney and nationally recognized authority on the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. He serves as counsel to several professional trade associations, including the Georgia Collectors Association. John is a published writer on industry topics and a former member of the Board of Directors of the industry's leading professional trade organization, ACA International, The Association of Credit and Collection Professionals. John is recognized by Collection Advisor magazine as one of the nation's top 50 most influential people in the collection industry. He serves as the State of Georgia Compliance Chairperson for ACA International and is a former Chairperson and Program Designation award recipient of ACA International's Members Attorney Program. John is a nationally recognized speaker and travels the country training collectors and educating industry associations, clients, and vendors who provide products and services to the industry. John is licensed to practice law only in Georgia. John received a Bachelor of Science degree in Economics from the Pennsylvania State University and a Juris Doctor degree from Syracuse University College of Law. He has spent his entire career serving the credit and collection industries. List Any Topics You Would Like to Discuss: Discussed over lunch with Michael Flock Web Site / Social Media Links: www.BedardLawGroup.com www.linkedin.com/in/john-h-bedard-jr-17b40116 Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: www.FlockFinance.com To nominate or submit a guest request visit: www.CapitalClubRadioShow.com To view more photos from this show visit: www.ProBusinessPictures.com ‹ › × × Previous Next jQuery(function() { // Set blueimp gallery options jQuery.extend(blueimp.Gallery.prototype.options, { useBootstrapModal: false, hidePageScrollbars: false }); });

This week we’re recording a very special live show with our friend Steve Hindy of the Brooklyn Brewery to discuss beer manufacturing and zoning issues in New York City. We’ve also got some great guests including Steve, John Bedard from Kushner Studios architecture, and Dutch Fox and Shinobu Kato of Sake Brooklyn who are currently searching for a space for their very own sake brewery.