Towards a model of the fair debt collection practices act (FDCPA) | |
| Author | Bhengra, Jaelse Ronald |
| Subject(s) | United States. Fair Debt Collection Practices Act Debt Collection Improvement Act Argumentation |
| Note | A thesis submitted in partial fulfillment of the requirements for the degree of Master of Engineering in Computer Science |
| Publisher | Asian Institute of Technology |
| Abstract | In this thesis, we study the legal disputes related to personal finance. We focus on the legisla tion Fair Debt Collection Practices Act (FDCPA), which is specially meant for protecting the consumer from illegal debt collection practices. When a debtor fails to pay the debt and debt collector intends to collect the debt from the debtor, the debt collector is required to satisfy their obligation under FDCPA. Under FDCPA, the debt collector is prohibited to overshadow the right of the debtor to dispute the debt. The debt collector is also prohibited to make any threat to the debtor which cannot be legally taken. We model two doctrines from this legisla tion namely, Overshadow of consumer’s right to dispute and misleading representation. Our model is based on Modular Assumption Based Argumentation (MABA) Framework. The implementation of this model is done using Prolog. We tested this model on two U.S. court cases on Overshadow and then two U.S court cases on Misleading representation. |
| Year | 2020 |
| Type | Thesis |
| School | School of Engineering and Technology (SET) |
| Department | Department of Information and Communications Technologies (DICT) |
| Academic Program/FoS | Computer Science (CS) |
| Chairperson(s) | Phan Minh Dung; |
| Examination Committee(s) | Dailey, Matthew N.;Attaphongse Taparugssanagorn; |
| Scholarship Donor(s) | AIT Fellowship; |
| Degree | Thesis (M. Eng.) - Asian Institute of Technology, 2020 |