HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS FERNAND J. ST GERMAIN, Rhode Island, Chairman HENRY B. GONZALEZ, Texas STEPHEN L. NEAL, North Carolina NORMAN E. D'AMOURS, New Hampshire WILLIAM J. COYNE, Pennsylvania RICHARD H. LEHMAN, California BRUCE A. MORRISON, Connecticut JIM COOPER, Tennessee MARCY KAPTUR, Ohio BEN ERDREICH, Alabama CHALMERS P. WYLIE, Ohio STEWART B. MCKINNEY, Connecticut JIM LEACH, Iowa RON PAUL, Texas ED BETHUNE, Arkansas NORMAN D. SHUMWAY, California BILL MCCOLLUM, Florida GEORGE C. WORTLEY, New York BILL LOWERY, California DOUG BEREUTER, Nebraska THOMAS J. RIDGE, Pennsylvania CONTENTS STATEMENTS Page Bessey, John D., law firm of Hefner, Stark & Marois, Sacramento, Calif., and 137 Fletcher, Jack, Tennessee national director, American Collectors Association, 121 Reffkin, Alan D., resident partner, law firm of Hayt, Hayt & Landau; accom- panied by Bernard Landau...... Snyder, Leon, president, American Collectors Association, Baltimore, Md ADDITIONAL INFORMATION SUBMITTED FOR INCLUSION IN THE RECORD Bessey, John D., prepared statement on behalf of the California Association of Fortney, Anne Price, prepared statement with an attached statement on the 9 Landau, Bernard D., letter with attached material dated February 9, 1984 Advertising material submitted regarding the Reffkin Report.. Letter submitted from William L. Foster, administrative officer, Mary- land State Department of Licensing and Regulation, describing the problems of attorneys operating as collection agencies in the State of Prepared legislation to be introduced to the current Maryland State (III) 120 |