What is the test for establishing that a creditor must maintain a debt management system in order to avoid liability?
MultiRegion, United States of America
The following excerpt is from Hutchings v. Beneficial Finance Co. of Oregon, 646 F.2d 389 (9th Cir. 1981):
We note that this "finding of fact" merely traces the statutory language of 1640(c), and thus is more properly viewed as a conclusion of law. See Tri-Tron International v. Velto, 525 F.2d 432, 435 (9th Cir. 1975). Our review of the record convinces us that this conclusion is correct.
The Act does not specify the type of system a creditor must maintain to avoid liability.
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