{"id":98,"date":"2016-02-03T12:12:50","date_gmt":"2016-02-03T16:12:50","guid":{"rendered":"http:\/\/blogs.duanemorris.com\/bankinglaw\/?p=98"},"modified":"2016-02-03T12:12:50","modified_gmt":"2016-02-03T16:12:50","slug":"florida-second-district-court-of-appeal-weighs-in-on-consumer-collection-practices-laws","status":"publish","type":"post","link":"https:\/\/blogs.duanemorris.com\/bankinglaw\/2016\/02\/03\/florida-second-district-court-of-appeal-weighs-in-on-consumer-collection-practices-laws\/","title":{"rendered":"Florida Second District Court of Appeal Weighs In on Consumer Collection Practices Laws"},"content":{"rendered":"<p>Many states have enacted consumer collection practices laws that impose addition hurdles for lenders in their efforts to collect debts and foreclose mortgages. A Florida appellate court has just addressed what it considers may be a case of first impression in Florida: whether a collection practices statute can impose a condition precedent to provide written notice of the assignment of a mortgage loan to the borrower, and bar commencing foreclosure notwithstanding the lender\u2019s compliance with its contractual obligations to assign the mortgage and provide notice of acceleration. Although Florida\u2019s Second District Court of Appeal held in <a href=\"http:\/\/www.2dca.org\/opinions\/Opinion_Pages\/Opinion_Pages_2016\/January\/January%2020,%202016\/2D14-3316.pdf\" target=\"_blank\"><em>Brindise v. U.S. Bank National Association<\/em><\/a> that the notice of assignment required by the Florida Consumer Collection Practices Act (\u201cFCCPA\u201d) is not a condition precedent to foreclosure, \u201cbecause innumerable foreclosure cases are pending in the trial and district courts where defendants have raised section 559.715 as a bar to foreclosure,\u201d it certified the question to the Florida Supreme Court as one of great public importance. <em>Brindise v. U.S. Bank National Association<\/em>, __ So. 3d __, 41 Fla. L. Weekly D223a (Fla. 2d DCA January 20, 2016).<\/p>\n<p>To read the <em>Alert<\/em>, written by Duane Morris partner <a href=\"http:\/\/www.duanemorris.com\/attorneys\/stevendginsburg.html\" target=\"_blank\">Steven Ginsburg<\/a>,\u00a0in its entirety, please visit the <a href=\"http:\/\/www.duanemorris.com\/alerts\/florida_second_district_court_of_appeal_consumer_collection_practices_laws_0216.html\" target=\"_blank\">Duane Morris website<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many states have enacted consumer collection practices laws that impose addition hurdles for lenders in their efforts to collect debts and foreclose mortgages. A Florida appellate court has just addressed what it considers may be a case of first impression in Florida: whether a collection practices statute can impose a condition precedent to provide written &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/blogs.duanemorris.com\/bankinglaw\/2016\/02\/03\/florida-second-district-court-of-appeal-weighs-in-on-consumer-collection-practices-laws\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Florida Second District Court of Appeal Weighs In on Consumer Collection Practices Laws&#8221;<\/span><\/a><\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[95,92,94,78,97,93,6,96],"ppma_author":[333],"class_list":["post-98","post","type-post","status-publish","format-standard","hentry","category-general","tag-borrower","tag-consumer-collection-practices","tag-debts","tag-florida","tag-foreclosure","tag-lenders","tag-mortgage","tag-note"],"authors":[{"term_id":333,"user_id":6,"is_guest":0,"slug":"duanemorris3","display_name":"Duane Morris","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/843ff6e7a8fe5fc92109b47a45f34b6cf0ea499e6e788db23456c838b0ae6747?s=96&d=blank&r=g","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/posts\/98","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/comments?post=98"}],"version-history":[{"count":0,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/posts\/98\/revisions"}],"wp:attachment":[{"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/media?parent=98"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/categories?post=98"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/tags?post=98"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/bankinglaw\/wp-json\/wp\/v2\/ppma_author?post=98"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}