Sixth Circuit: “Cease” Requirement Includes Third Party Activities Put Into Action by Debt Collector

The Sixth Circuit released a decision in Scott v. Trott Law, P.C., No. 18-1051 (6th Cir. Jan. 11, 2019) where the court clarified what it means for a debt collector to “cease collection activity” after receiving a dispute from a consumer. According to the court, it is not enough that the debt collector itself stop whatever it is doing to collect a debt. Ceasing collection activity also requires the debt collector to put a stop to any activities performed by third parties that the debt collector set in motion prior to receiving the dispute.

Editor’s Note: The insideARM Perspective below discusses how this case relates to Obduskey v. Wells Fargo, which is currently under review by the U.S. Supreme Court.

Factual and Procedural Background

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