Can you take two bites out of the apple? What I mean is, can you file an FDCPA violation & the same State law violation?
I was under the impression that you could only use the FDCPA and State laws for different violations.
Here in Texas we can DV anytime and they must respond within 30 days. There is no provision, in fact, no timeline in the FDCPA for validation.
Maybe that wasn't a good example. Also IF a State law is violated, and the SOL is longer, can you use the longest SOL for both State and Federal laws or would the 1 year SOL apply?
If there is a statutory violation of state law in a collections matter, it is also a violation of the FDCPA.
You get the state one and you have the federal one.