{"meta":{"key":"s_ne--pass-26","task":"S_NE","title":"SNE Nebraska collector-conduct private remedies and public enforcement","parent_title":"Nebraska debt and debt relief law","edition":"pass-26","path":"/research/s_ne--pass-26/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":52,"sources":26,"review_status":"P29P32substantive_and_G4_annotations_supported_with_limits_one_C032search-scope_P34pending","review_complete":true,"sha256":"3eeed36751b2254f7f059c45bdc2eae299d84c6d7271ad201a7e1b233ab4f3aa","headings":["Focused determination","B1. Licensing and prohibited conduct","B2. Conditional exclusions are not immunity","B3. Bond remedy","B4. Board enforcement","B5. Title 433 rules","B6. Collection Act remedy matrix","C1. Conduct and public-interest requirement","C2. Private standing and remedies","C3. Increased-award branch","C4. Punitive damages","C5. Regulatory exemption","C6. Public NCPA enforcement","D1. Private route is prospective and equitable","D2. Costs and attorney fees","D3. Debt cancellation and unenforceability","D4. Public enforcement","D5. Territory and regulatory compliance","D6. Attorney General notice in private cases","E1. Fraud or fraudulent misrepresentation","E2. Intrusion upon seclusion","E3. Abuse of process","E4. Malicious prosecution","E5. Litigation privilege","E6. Intentional infliction of emotional distress","E7. Allegedly wrongful garnishment or execution","F1. Actor and debt gateways","Debt buyers","Attorneys","F2. Federal conduct provisions","F3. Federal private remedies","F4. Federal limitation","F5. State-law coexistence","Example 1 — unlicensed third-party collector operating five days","Example 2 — original creditor’s own name versus false collection name","Branch A: ordinary own-name collection","Branch B: fictitious third-party appearance","Example 3 — debt buyer and attorney ambiguity","Example 4 — allegedly deceptive balance letter with missing NCPA elements","Example 5 — repeated calls and disputed tort elements","Example 6 — private NCPA recovery with unresolved increased-award branch","Example 7 — public penalty versus private award","Example 8 — allegedly wrongful writ with a valid underlying debt","Example 9 — complaint or negotiation while a court deadline runs","Example 10 — two FDCPA violations in one action","Example 11 — bond claim versus debtor claim","Freshly read","Numeric self-check","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-26","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["collection"],"subject":["provider-remedies","collection-conduct"]},"scope":"Independent expressly deferred collector-conduct private remedies/public enforcement; no unreviewed prior findings as premises; afterNE25complete/saved","pending_corrections":0},"markdown":"# S_NE PASS-26 — Nebraska collector-conduct private remedies and public enforcement\n\n**Actual fresh research date:** October 26, 2026, Pacific / October 26, 2026 UTC\n**Status:** Focused Nebraska collector-conduct remedies component for later coordinator review; **not independent review**.\n\nThis pass addresses remedies for collection conduct by original creditors, third-party collection agencies, debt buyers or assignees, collection attorneys, servicers, and related principals or agents. It separates:\n\n- Nebraska Collection Agency Act licensing and discipline;\n- Nebraska Consumer Protection Act private and public remedies;\n- Nebraska Uniform Deceptive Trade Practices Act equitable and public remedies;\n- collector-related common-law torts;\n- the limited federal FDCPA overlap needed to classify actors and remedies; and\n- remedy-specific limitations and procedural boundaries.\n\nPASS-08, PASS-09, PASS-10, PASS-21, and PASS-24 remain saved but unreviewed. Their classifications and conclusions are not adopted as premises. Provider debt-management remedies remain in the separate PASS-07 line and are not merged into this collector-conduct analysis.\n\nNo actual collector, creditor, debtor, communication, account, judgment, writ, complaint, injury, contract, agency relationship, or class record was reviewed.\n\n## Focused determination\n\nNebraska does **not** provide one universal “illegal collection” cause of action.\n\nA collection practice can implicate several distinct routes, each with different actors, elements, remedies, and deadlines:\n\n1. **Nebraska Collection Agency Act:** primarily licensing, bond, criminal, and administrative discipline. It contains no express general debtor damages action, debt-cancellation remedy, or automatic judgment invalidation provision.\n2. **Nebraska Consumer Protection Act:** a private damages and injunction route, but only where the conduct is in trade or commerce, affects the public interest, and causes injury to business or property.\n3. **Nebraska Uniform Deceptive Trade Practices Act:** a private prospective equitable route for a person likely to be damaged by future deceptive conduct. It does not provide private damages.\n4. **Common law:** fraud, intrusion upon seclusion, abuse of process, malicious prosecution, and intentional infliction of emotional distress can apply only when their separate elements are proved.\n5. **Federal FDCPA:** a separate federal route whose actor and debt definitions do not mirror Nebraska licensing law.\n\nA licensing violation alone does not establish:\n\n- private standing;\n- actual damages;\n- cancellation of the debt;\n- dismissal of a collection action;\n- vacatur of a judgment;\n- refund of prior payments;\n- invalidity of an otherwise valid assignment; or\n- liability under every consumer-protection statute.\n\nConversely, exclusion from Nebraska’s collection-agency licensing definition does not immunize an original creditor, debt buyer, attorney, or servicer from the NCPA, UDTPA, common law, or—if its federal definition is satisfied—the FDCPA.\n\n# A. Actor and remedy-route matrix\n\n| Actor or model | Nebraska Collection Agency Act | NCPA/UDTPA and common law | Necessary FDCPA boundary |\n| --- | --- | --- | --- |\n| **Original creditor collecting in its own name** | Ordinarily outside the “collection agency” definition; regular employees collecting for one creditor are excluded | Can still face NCPA, UDTPA, fraud, privacy, abuse-of-process, or IIED claims if their independent elements are met | Generally outside the ordinary creditor definition, subject to the different-name and other statutory branches |\n| **Original creditor using another or fictitious collection name** | Expressly can fall within the definition when the name indicates a third person is collecting | Same state-law routes remain independently possible | FDCPA also has a different-name branch |\n| **Third-party contingency collection agency** | License generally required; bond, records, discipline, and per-day criminal offense provisions apply | NCPA/UDTPA/common-law liability remains possible; licensing status alone is not a defense | Ordinarily within FDCPA if collecting qualifying consumer debt |\n| **Debt buyer collecting purchased debts in its own name** | Express statutory exclusion for a purchaser for value collecting purchased claims in its own name | Not exempt from NCPA, UDTPA, fraud, or other applicable law merely because excluded from licensing | *Henson* excludes the buyer from only the “owed another” prong; principal-purpose status remains a separate question |\n| **Collection attorney or law firm** | Excluded only when handling claims in the attorney’s own name and not operating a lay-managed collection agency; collection license does not authorize practice of law | State consumer-protection and tort routes remain fact dependent | Attorneys regularly collecting consumer debts through litigation can be debt collectors under *Heintz* |\n| **Servicer or affiliate** | Classification depends on who owns the claim, whose name is used, whose accounts are solicited, and whether the entity is collecting for more than one creditor | No label-based immunity | Federal classification turns on principal purpose, regular collection activity, debt ownership at default, and exact statutory exclusions |\n| **Out-of-state collector** | A nonresident person regulated as a collection agency in another state may communicate with a Nebraska debtor under the narrow statutory branch; that is not blanket authority for every Nebraska activity | Nebraska territorial and consumer-protection rules can still apply | Federal law applies according to its own interstate-commerce and actor definitions |\n| **Bank or listed financial institution** | Listed institutional exclusions apply | Conduct can still be actionable under another law unless a separate regulatory exemption applies to the challenged conduct | Separate federal exclusions and creditor status apply |\n| **Collector of commercial or business debt** | Nebraska’s licensing definition is not expressly limited to consumer debt | NCPA/UDTPA applicability depends on trade, public impact, claimant injury, and the challenged transaction | FDCPA ordinarily requires a personal, family, or household obligation |\n\nNebraska’s collection-agency definition expressly covers third-party claim solicitation, fictitious collection names, and collection-letter systems, while conditionally excluding single-creditor employees, banks, certain attorneys, and purchasers collecting acquired claims in their own names. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\n# B. Nebraska Collection Agency Act\n\n## B1. Licensing and prohibited conduct\n\nA person may not conduct or operate a collection agency in Nebraska without a license. Knowing and willful unlicensed operation is a **Class III misdemeanor for each day** of operation. An officer or agent who personally participates in the unlicensed business can also be guilty. A regular employee of a licensed agency does not need a separate agency license, although the Act separately regulates solicitors. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601)\n\nThe Act’s principal private-law consequences are not a general debtor damages action. Its express machinery consists of:\n\n- license application and renewal;\n- bond security;\n- Board investigation;\n- denial, suspension, and revocation;\n- subpoena and hearing authority;\n- criminal prosecution;\n- APA review; and\n- a limited action on the statutory bond.\n\nNo provision reviewed in §§45-601 through 45-622 expressly states that unlicensed collection:\n\n- extinguishes the underlying debt;\n- voids an assignment;\n- bars the creditor’s own suit;\n- renders an existing judgment void;\n- requires return of all collections to the debtor; or\n- creates a general damages action for every person contacted.\n\n## B2. Conditional exclusions are not immunity\n\nThe following exclusions are activity-specific:\n\n- an attorney must be handling claims in the attorney’s own name and must not be operating a lay-managed collection agency;\n- a debt purchaser must be collecting purchased claims in its own name;\n- an original creditor using a name suggesting an independent collector can fall back inside the definition;\n- the out-of-state branch is limited to communication by a nonresident regulated in another state; and\n- a collection-agency license does not authorize the practice of law. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\nAn entity excluded from the Collection Agency Act can still be liable under an independently applicable deceptive-practices statute, tort, court rule, or federal law.\n\n## B3. Bond remedy\n\nThe statutory bond amounts are:\n\nPlain text\n```\nFewer than 5 solicitors          $5,000\n5 through 15 solicitors         $10,000\n16 or more solicitors           $15,000\nAggregate bonds for one person  capped at $100,000\n```\n\nThe bond is conditioned on faithful performance of agreements with customers and clients and timely remittance. An action may be brought by a person to whom the licensee failed to account or pay, or who was damaged by failure to comply with an agreement with that person. The surety’s aggregate liability is capped by the bond. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-608)\n\nThis is not a universal debtor remedy. A typical debtor has no collection-services agreement with the agency. A debtor could potentially fit the statutory words only if the actual accounting, payment, or agreement facts do.\n\n## B4. Board enforcement\n\nThe Collection Agency Licensing Board can:\n\n- investigate applicants;\n- issue or refuse licenses;\n- compel testimony and records;\n- investigate sworn complaints;\n- suspend or revoke;\n- require financial statements; and\n- issue written findings.\n\nA statutory complaint by a **customer or client** requires exact charges and service of a citation at least 20 days before hearing. The current Title 433 rule text refers more broadly to a sworn complaint by “any person or client.” The statute-rule discrepancy does not create a private damages claim; it affects access to the Board’s administrative process and remains subject to the Board’s authority and current rule status. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-613)\n\nA licensee may continue collection operations during an administrative appeal as though the license remained effective. Filing a complaint therefore does not itself suspend the license or stay an unrelated lawsuit or garnishment. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-616)\n\n## B5. Title 433 rules\n\nThe official static Title 433, Chapter 2 PDF includes rules concerning:\n\n- applications and branch certificates;\n- cessation after license termination;\n- return or transfer of client accounts;\n- transmission of posttermination consumer payments to the client without retaining fees;\n- record retention and payment allocation;\n- complaints and hearings; and\n- a reference directing applicants to the federal FDCPA.\n\nThe FDCPA reference is informational and regulatory. It does not expressly incorporate every FDCPA violation as a Nebraska private claim or create a state damages action.\n\nThe rule PDF does not display a complete adoption or amendment history, and one fee page contains amounts inconsistent with current §45-620. Current statute controls over stale form or rule-sheet amounts. [Nebraska Secretary of State+3](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\n## B6. Collection Act remedy matrix\n\n| Event | Decisionmaker | Remedy or consequence | Unit or amount | Private claimant result |\n| --- | --- | --- | --- | --- |\n| Knowing and willful unlicensed operation | Criminal court, after prosecution | Class III misdemeanor | One offense **for each day** | No automatic private award |\n| Officer or agent personally participating | Criminal court | Class III misdemeanor | Per established offense | No automatic private award |\n| License qualification failure | Board | Denial | No consumer payment | Administrative only |\n| Fraud, failure to account, bond loss, Nebraska-office failure | Board | Mandatory or discretionary revocation | License consequence | No automatic debt cancellation |\n| Complaint alleging statutory violation | Board | Investigation, hearing, suspension, or revocation | No express administrative civil penalty in reviewed Act | Complaint is not damages adjudication |\n| Failure to account, remit, or honor agreement | Court in bond action | Recovery against bond | Limited by applicable bond | Only claimant satisfying bond predicates |\n| License appeal | Reviewing court under APA | Review; collection business can continue pending appeal | No automatic stay | Separate judicial relief required |\n\n# C. Nebraska Consumer Protection Act\n\n## C1. Conduct and public-interest requirement\n\nNeb. Rev. Stat. §59-1602 makes unfair or deceptive acts or practices in trade or commerce unlawful. A private NCPA claimant must also satisfy Nebraska’s judicially imposed public-interest requirement.\n\nAn isolated private Jeep transaction failed that requirement in *Nelson v. Lusterstone*. By contrast, *Eicher* held that a pattern intended to defraud numerous members of the public was sufficient. The federal district court in *Hage* treated standardized collection conduct affecting a certified consumer class as capable of satisfying the public-interest element, although it did not enter final NCPA liability for the plaintiffs on summary judgment. [Justia Law+3](https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html)\n\nThe practical distinction is:\n\nPlain text\n```\nOne idiosyncratic private dispute\n    → public-interest element may fail\n\nStandardized collection practice,\nrepeated representations, a consumer class,\nor conduct capable of affecting many people\n    → public-interest element may be supportable\n```\n\nNo fixed number of consumers appears in the statute.\n\n## C2. Private standing and remedies\n\nA person injured in business or property by an NCPA violation may bring a district-court action for:\n\n- injunction;\n- actual damages;\n- or both;\n- costs of suit, including reasonable attorney fees.\n\nThe claimant must establish a qualifying violation, public impact, injury to business or property, and causation. Reliance is not written as a universal NCPA element, although reliance is required when the theory is common-law fraud and can be material to causation in a misrepresentation case. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609)\n\nEmotional distress alone does not automatically satisfy the statutory “business or property” injury language. A claimant alleging lost money, an unauthorized fee, payment induced by deception, lost credit opportunity, or another quantifiable property loss still must prove that loss and causation.\n\n## C3. Increased-award branch\n\nSection 59-1609 permits a court, in its discretion, to increase a damages award where damages not susceptible of ordinary pecuniary measurement are established. For a §59-1602 violation, the statute says “such increased award” may not exceed $1,000.\n\nNo controlling public Nebraska appellate construction located in the prior bounded correction establishes whether $1,000 caps:\n\n- the additional increment; or\n- the resulting increased award.\n\nAccordingly, the statute does **not** support a categorical formula of:\n\nPlain text\n```\nactual damages + another $1,000\n```\n\nActual damages themselves are not universally capped at $1,000. The increased-award branch requires its own proof and discretionary court finding. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609)\n\n## C4. Punitive damages\n\nNebraska generally does not permit punitive, vindictive, or exemplary damages. A collector’s alleged intentional misconduct therefore does not create a Nebraska punitive-damages award merely because a different state might allow one. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB)\n\n## C5. Regulatory exemption\n\nSection 59-1617 exempts actions or transactions permitted, prohibited, or regulated under laws administered by a regulatory body.\n\nIn *Wrede*, the Nebraska Supreme Court applied the exemption to conduct itself regulated by banking law. In *Hage*, the federal court rejected a blanket argument that collection-agency licensing alone exempted every challenged collection charge, because the defendant had not shown that the specific fee and interest conduct was regulated by the Collection Agency Board. [Justia Law+1](https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html)\n\nThe bounded rule is:\n\nRegulatory status alone is not necessarily enough; the defendant must connect the challenged conduct to the actual regulatory scheme. The exact breadth of §59-1617 remains conduct- and regulator-specific.\n\n## C6. Public NCPA enforcement\n\nThe Attorney General can seek:\n\n- injunction;\n- restoration of money or property;\n- court-approved assurances of voluntary compliance;\n- investigative demands and records;\n- civil penalties; and\n- costs and attorney fees under the statutory conditions.\n\nFor a §59-1602 violation, the civil penalty can be up to **$2,000 per violation**. A separate penalty up to **$500,000** applies to specified antitrust provisions or violations of an injunction. Penalties are public remedies, not damages payable automatically to the consumer. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608)\n\nA consent judgment or decree without an illegality finding does not automatically become prima facie proof in a later private NCPA action. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613)\n\n# D. Nebraska Uniform Deceptive Trade Practices Act\n\n## D1. Private route is prospective and equitable\n\nA person **likely to be damaged by a deceptive trade practice in the future** may seek an injunction and additional equitable relief. The claimant need not prove monetary damages or lost profits to obtain that prospective relief.\n\nThe private UDTPA does not provide a damages award. In *Reinbrecht*, the Court of Appeals affirmed summary judgment against a claimant who knew the relevant truth and could show only past harm, because future likely damage was missing. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303)\n\n## D2. Costs and attorney fees\n\nThe statute generally allows costs to the prevailing party unless the court directs otherwise.\n\nAttorney fees are discretionary where:\n\n- the plaintiff knew the action was groundless; or\n- the defendant willfully engaged in a deceptive trade practice knowing it to be deceptive.\n\nThat is not an automatic fee award for every prevailing consumer.\n\n## D3. Debt cancellation and unenforceability\n\nSection 87-303.07 provides an unenforceability and rescission remedy when a buyer or lessee was induced by a violation to enter a sale or lease transaction.\n\nIt does not state that later collection misconduct automatically:\n\n- cancels a preexisting debt;\n- erases a valid judgment;\n- invalidates an unrelated contract;\n- bars collection of a lawful principal balance; or\n- entitles the debtor to retain prior loan proceeds without payment.\n\nThe inducement, sale or lease, causal connection, and statutory transaction facts must be established. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07)\n\n## D4. Public enforcement\n\nThe Attorney General can:\n\n- investigate;\n- require reports and testimony;\n- subpoena records;\n- issue or seek cease-and-desist relief;\n- obtain temporary or permanent injunctions;\n- seek restoration of money or property;\n- seek suspension or revocation of a license used to further the practice;\n- accept assurances of voluntary compliance; and\n- seek civil penalties.\n\nAn ex parte asset restraint can last up to 14 days before the required hearing and further judicial determination. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02)\n\nThe public civil penalty can be up to **$2,000 per violation**. A violation of the Act is a Class II misdemeanor, and a willful violation of a qualifying injunction, declaratory judgment, or written assurance is a Class IV felony. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08)\n\n## D5. Territory and regulatory compliance\n\nThe UDTPA applies where conduct occurs wholly or partly in Nebraska and can also reach certain out-of-state conduct directed at Nebraska residents when directly connected to in-state deceptive acts. Conduct that complies with a statute, rule, or government order falls within the Act’s compliance exception. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=87-304)\n\n## D6. Attorney General notice in private cases\n\nSpecified UDTPA pleadings, judgments, and appeals must be sent to the Attorney General under the detailed branches of §87-303.12.\n\nNoncompliance is not a dismissal ground, although it can support later Attorney General action to vacate or modify a judgment. This notice regime is not a pre-suit demand to the collector and does not create an automatic stay. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12)\n\n# E. Common-law collector-misconduct routes\n\n## E1. Fraud or fraudulent misrepresentation\n\nNebraska fraud requires:\n\n1. a representation;\n2. falsity;\n3. knowledge of falsity or reckless disregard;\n4. intent that the claimant rely;\n5. reasonable reliance; and\n6. resulting damage.\n\nA mistaken balance, failed lawsuit, or inaccurate statement is not automatically fraud. The knowledge, intent, reliance, and damage elements must be independently proved. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB)\n\n## E2. Intrusion upon seclusion\n\nNebraska’s privacy statute gives a natural person a remedy for an intentional intrusion into solitude, seclusion, or private affairs that would be highly offensive to a reasonable person.\n\nRepeated contacts can be relevant, but liability is not measured by call count alone. Relevant facts include:\n\n- number and timing of contacts;\n- where they occurred;\n- whether contact continued after a meaningful request;\n- contacts with third parties or at work;\n- threats or abusive content;\n- disclosure of private debt information;\n- the collector’s intent; and\n- the objective offensiveness of the intrusion.\n\nThe statutory limitation is one year from when the cause arose. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=20-201)\n\n## E3. Abuse of process\n\nAbuse of process requires:\n\n- an ulterior purpose;\n- a willful act in the use of judicial process that is improper in the regular prosecution of the proceeding; and\n- resulting damage.\n\nBad motive alone is insufficient when the process is used only for its proper purpose. The tort generally concerns misuse **after process issues**, not merely filing a weak or unsuccessful claim.\n\nIn *Gordon*, regular use of judicial process did not become abuse of process merely because an ulterior motive was alleged. Administrative or private collection activity is not necessarily “process” for this tort. [Justia Law+2](https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html)\n\n## E4. Malicious prosecution\n\nNebraska’s stated elements are:\n\n1. commencement or prosecution of a legal proceeding;\n2. legal causation by the defendant;\n3. bona fide termination in the claimant’s favor;\n4. absence of probable cause;\n5. malice; and\n6. damages.\n\nA debtor cannot generally sue for malicious prosecution while the collection case remains pending or ends adversely. An invalid filing, lost motion, or procedural mistake does not itself prove absence of probable cause or malice. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB)\n\n## E5. Litigation privilege\n\nStatements made in judicial proceedings or qualifying preliminary proceedings can receive absolute privilege against defamation, privacy, and interference theories.\n\nIn *McKinney*, that privilege did not bar the distinct malicious-prosecution claim. The privilege therefore requires claim-by-claim treatment; it does not immunize every misuse of process or every act outside judicial advocacy. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB)\n\n## E6. Intentional infliction of emotional distress\n\nIIED requires:\n\n- intentional or reckless conduct;\n- conduct so extreme and outrageous as to go beyond all possible bounds of decency;\n- causation; and\n- severe emotional distress.\n\nNebraska treats the threshold as demanding. Mere insults, threats, annoyances, petty oppressions, indignities, or ordinary collection pressure do not necessarily meet it. The court first acts as a gatekeeper on whether reasonable persons could regard the conduct as extreme and outrageous. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB)\n\n## E7. Allegedly wrongful garnishment or execution\n\nNo Nebraska statute or controlling decision located in this focused pass creates automatic tort damages whenever a writ is later quashed or a garnishment is unsuccessful.\n\nDepending on the facts, a claimant may examine:\n\n- abuse of process;\n- malicious prosecution;\n- fraud;\n- privacy;\n- conversion or another property tort;\n- statutory garnishment remedies; or\n- a bond or restitution route.\n\nBut each cause retains its own elements. A valid underlying debt can coexist with a wrongful use of process; conversely, an invalid writ does not automatically establish malice, probable-cause absence, extreme conduct, or recoverable damages.\n\n# F. Necessary FDCPA overlap\n\n## F1. Actor and debt gateways\n\nThe FDCPA generally applies to a person whose principal purpose is debt collection or who regularly collects debts owed or due another. It includes a creditor using a different name suggesting a third party is collecting.\n\nThe debt must arise from a transaction primarily for personal, family, or household purposes, even if reduced to judgment. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692a/)\n\n### Debt buyers\n\n*Henson v. Santander* held that a company collecting debts it purchased for its own account does not fall within the “owed another” prong merely because the debt was owed to someone else before purchase.\n\nThe Court expressly did not decide whether the company could fall within the **principal-purpose** definition. Debt-buyer coverage therefore remains dependent on the actual business model and pleaded FDCPA prong. [Supreme Court of the United States](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf)\n\n### Attorneys\n\n*Heintz v. Jenkins* held that attorneys who regularly collect consumer debts through litigation are not categorically excluded. It also explained that an unsuccessful lawsuit alone is not necessarily a prohibited threat to take action that cannot legally be taken. [GovInfo](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf)\n\n## F2. Federal conduct provisions\n\nMaterial FDCPA provisions prohibit:\n\n- false representation of amount or legal status;\n- false attorney or affiliation implications;\n- threats of seizure or legal action that cannot lawfully be taken or are not intended;\n- false credit-reporting representations; and\n- collection of an amount not authorized by agreement or law.\n\nThe federal route remains separate from Nebraska’s licensing status and common-law tort elements. [U.S. Code+1](https://uscode.house.gov/us/usc/119-124/t15/s1692e/)\n\n## F3. Federal private remedies\n\nFor a successful individual action, §1692k permits:\n\n- actual damages;\n- additional damages up to **$1,000 per action**;\n- costs; and\n- reasonable attorney fees.\n\nFor a class action, the named plaintiffs can recover their individual amounts, and the class additional-damages ceiling is the lesser of:\n\nPlain text\n```\n$500,000\nor\n1% of the debt collector’s net worth\n```\n\nThe additional $1,000 is not multiplied automatically by the number of letters, calls, statutory subsections, or collectors in one action. The court considers statutory factors. A bona fide error defense and a bad-faith-plaintiff fee provision also exist. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692k/)\n\n## F4. Federal limitation\n\nThe FDCPA action must be brought within one year from the date of the violation.\n\n*Rotkiske* rejected a general discovery-rule reading of §1692k(d), while leaving ordinary equitable doctrines for appropriate cases. [Supreme Court of the United States](https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf)\n\n## F5. State-law coexistence\n\nThe FDCPA does not generally preempt consistent state law; a state law is not inconsistent merely because it gives greater protection.\n\nNebraska licensing, NCPA, UDTPA, and tort claims therefore can coexist with an FDCPA theory if their independent elements are met. No collector-specific Nebraska statute reviewed here grants duplicate compensation for the same actual loss, and no universal election rule was located. Allocation of overlapping actual damages remains case specific. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692n/)\n\n# G. Defendant–claimant–cause–remedy matrix\n\n| Defendant/conduct | Potential claimant and route | Essential elements or gateway | Remedy | Principal failure case |\n| --- | --- | --- | --- | --- |\n| Unlicensed third-party collection agency | State/Board; conditional bond claimant | Covered collection-agency activity; no license; knowledge/willfulness for crime | Criminal offense, discipline, bond recovery | No express general debtor damages action |\n| Original creditor using fictitious collector name | State licensing route; consumer under NCPA/UDTPA; possibly FDCPA | Name implies third-party collection; deceptive conduct and separate injury/future-harm elements | Licensing consequence, NCPA damages, UDTPA injunction, federal remedy | Collecting in ordinary own name may remain outside licensing/FDCPA creditor branch |\n| Debt buyer collecting purchased debt | NCPA/UDTPA/common law; FDCPA if principal-purpose or other prong | Own-name state exclusion; federal prong; deceptive conduct; injury | Route-specific | Debt purchase alone proves neither liability nor immunity |\n| Collection attorney filing or threatening suit | NCPA/UDTPA, abuse of process, malicious prosecution, FDCPA | Regular collection activity; process misuse or favorable termination; privilege boundaries | Route-specific | Losing or dismissing suit alone is insufficient |\n| Deceptive demand letter | NCPA, UDTPA, fraud, FDCPA | Public interest and property injury; future likely harm; reliance for fraud; federal actor/debt | Actual damages, injunction, federal statutory damages | No public impact, no injury, no reliance, or wrong actor |\n| Repeated private contacts | Privacy, IIED, FDCPA | Intentional highly offensive intrusion; extreme conduct and severe distress; federal communication rule | Actual/nominal privacy damages, tort damages, FDCPA | Call count alone is insufficient |\n| Unauthorized fee collection | NCPA, fraud, FDCPA; possibly restitution in AG action | Fee unauthorized by law/agreement; causation and payment; actor status | Actual loss, injunction, federal relief; public restoration | Merely requesting a disputed fee without payment may leave actual-damage proof missing |\n| Wrongful garnishment or execution | Abuse of process, malicious prosecution, privacy, statutory procedural relief | Misuse after process, ulterior purpose, favorable termination, probable cause, privilege | Tort damages or process relief | Quashed writ alone proves no tort |\n| Standardized broad consumer practice | NCPA/AG/UDTPA/FDCPA class route | Public impact, statutory actor, repeated conduct, injury or future harm | Private/public relief | One private dispute may fail public-interest requirement |\n| Regulator complaint | Board or AG | Jurisdiction and complaint sufficiency | Investigation, discipline, mediation, public action | Complaint itself is not judgment, damages award, or stay |\n\n# H. Public-enforcement matrix\n\n| Authority | Legal basis | Available action | Monetary unit or ceiling | Material qualification |\n| --- | --- | --- | --- | --- |\n| **Collection Agency Licensing Board** | §§45-603–45-619; Title 433 | Investigate, subpoena, examine, deny, suspend, revoke, require records | No reviewed general administrative civil penalty | Complaint and hearing are administrative, not private damages |\n| **County attorney or prosecutor** | §45-601 | Prosecute unlicensed operation | Class III misdemeanor **per day** | Knowledge and willfulness required |\n| **Attorney General under NCPA** | §§59-1608–59-1614 | Investigate, seek injunction, restoration, assurance, civil penalty | Up to $2,000 per §59-1602 violation; specified $500,000 branch | Court imposes relief; penalty is public |\n| **Attorney General under UDTPA** | §§87-303.02–87-303.11 | Investigate, subpoena, cease and desist, freeze, enjoin, restore, seek license action | Up to $2,000 per violation | Ex parte asset restraint limited by statutory hearing process |\n| **Criminal prosecutor under UDTPA** | §§87-303.08–87-303.09 | Prosecute violation or willful order/assurance violation | Class II misdemeanor; Class IV felony for qualifying willful order violation | Classification does not equal automatic sentence |\n| **FTC/CFPB and listed federal agencies** | 15 U.S.C. §1692l | Federal administrative or civil enforcement | Separate federal statutes | Not a private Nebraska award |\n| **Nebraska AG consumer intake/CART** | Public complaint program | Intake and voluntary dispute resolution | No adjudicated award | AG is not complainant’s private lawyer; complaint is not stay |\n\nThe Attorney General’s current consumer complaint process expressly describes voluntary dispute resolution and does not convert intake into an adjudication or private representation. [Nebraska Attorney General+1](https://ago.nebraska.gov/constituent-complaint-form)\n\n# I. Remedy-specific limitations and accrual\n\n| Cause or enforcement route | Period | Trigger or accrual | Tolling or qualification | Status |\n| --- | --- | --- | --- | --- |\n| **NCPA private action** | 4 years | Accrual of cause | Qualifying AG action suspends specified private period during pendency | Answered generally |\n| **UDTPA civil action** | 4 years | Statutory text runs from purchase of goods or services | Application to pure later collection conduct without a clear purchase event is unresolved | Partial |\n| **Privacy Act intrusion** | 1 year | When cause arose | No universal discovery extension in statute reviewed | Answered |\n| **Common-law fraud** | 4 years | Discovery or when facts should prompt inquiry | Actual inquiry notice is fact specific | Answered generally |\n| **Defamation** | 1 year | Publication | Litigation privilege can bar qualifying judicial statements | Boundary only |\n| **Abuse of process** | Potentially Nebraska’s residual injury-to-rights period | Improper use of process and injury | No collector-specific controlling accrual case located | Partial |\n| **IIED** | Potentially residual injury-to-rights period | Completed tort/injury | Exact accrual and continuing-course theory held | Partial |\n| **Malicious prosecution** | **Unresolved under current statutes** | Cannot accrue before bona fide favorable termination | Older one-year cases relied on former statutory text; no modern controlling period located | Unresolved |\n| **FDCPA private action** | 1 year | Date of violation | No general discovery rule under *Rotkiske*; equitable doctrines remain fact specific | Answered |\n| **Collection Act Class III misdemeanor** | General misdemeanor prosecution period: 1 year 6 months | Offense date | Statute labels each day an offense; exact charging/accrual treatment remains prosecutorial and fact specific | Partial |\n| **UDTPA Class II misdemeanor** | General misdemeanor period: 1 year 6 months | Offense date | Other statutory exceptions possible | Answered generally |\n| **UDTPA Class IV felony** | General felony period: 3 years | Qualifying offense date | Offense-date and criminal exceptions apply | Answered generally |\n| **Board discipline** | No universal limitations period verified here | Complaint or Board initiation | APA, laches, and rule-specific issues not comprehensively researched | Unresolved |\n| **Complaint, negotiation, payment proposal** | No automatic tolling or stay | N/A | Actual written forbearance, arbitration clause, court order, or statute can alter obligations | Answered as negative boundary |\n\nThe NCPA four-year period and AG-action suspension appear in §59-1612. The UDTPA text uses the purchase date, creating a genuine fit problem for collection conduct occurring years later. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612)\n\nThe current criminal classifications and general prosecution periods appear in §§28-105, 28-106, and 29-110. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=29-110)\n\n# J. Material primary opinions\n\n| Decision | Facts and posture | Holding and actual outcome | Present use and limit |\n| --- | --- | --- | --- |\n| ***Nelson v. Lusterstone Surfacing Co.*, 258 Neb. 678 (2000)** | One private vehicle transaction | NCPA public-interest element failed; fraud verdict otherwise affirmed | Isolated private dispute may not support NCPA; public HTML reproduction |\n| ***Eicher v. Mid America Financial Investment Corp.*, 275 Neb. 462 (2008)** | Pattern of fraudulent investment conduct | Conduct intended to defraud numerous citizens satisfied public-interest requirement; judgment affirmed | Pattern/public-impact standard; official PDF |\n| ***Wrede v. Exchange Bank of Gibbon*, 247 Neb. 907 (1995)** | Bank transaction regulated under banking law | NCPA regulatory exemption applied; reversed and remanded with direction to dismiss | Conduct-specific regulatory exemption; public reproduction |\n| ***Hage v. General Service Bureau*, 306 F. Supp. 2d 883 (D. Neb. 2003)** | Certified consumer class alleged unauthorized fees, costs, and interest | Collection license was not blanket NCPA immunity; NCPA summary judgment denied both ways; partial FDCPA ruling only | Persuasive federal trial authority, not controlling Nebraska appellate law |\n| ***Reinbrecht v. Walgreen Co.*, 16 Neb. App. 108 (2007)** | Claimed deceptive conduct but no continuing likelihood of future injury | Private UDTPA gives equitable relief, not damages; summary judgment affirmed | Prospective-harm requirement |\n| ***Gordon v. Community First State Bank*, 255 Neb. 637 (1998)** | Alleged misuse of legal process | Bad motive plus regular use was insufficient; dismissal affirmed | Abuse-of-process elements |\n| ***McKinney v. Okoye*, 287 Neb. 261 (2014)** | Claims arising from judicial allegations | Litigation privilege barred some statement-based torts but not malicious prosecution; reversed and remanded in relevant part | Privilege is claim specific |\n| ***Bohling v. Tecumseh Poultry LLC*, 31 Neb. App. 129 (2022)** | Malicious-prosecution allegations following prior litigation | Recited six elements; dismissal affirmed on claim-preclusion grounds | Elements are authoritative; alternative merits not decided |\n| ***Syring v. Archdiocese of Omaha*, 33 Neb. App. 194 (2024)** | IIED allegations | High objective threshold; claim failed | Repeated annoyance is not automatically outrageous |\n| ***Henson v. Santander Consumer USA Inc.*, 582 U.S. 79 (2017)** | Debt buyer collected purchased defaulted debts | Buyer not within “owed another” prong; principal-purpose prong not decided | Federal debt-buyer classification only |\n| ***Heintz v. Jenkins*, 514 U.S. 291 (1995)** | Attorney litigated consumer debt | Attorneys regularly collecting through litigation can be debt collectors | No categorical attorney exemption |\n| ***Rotkiske v. Klemm*, 589 U.S. 8 (2019)** | FDCPA action filed more than one year after violation | One-year clock runs from violation, not general discovery | Equitable doctrines not categorically foreclosed |\n\nKey official PDF pinpoints include *Eicher* printed pages 473–474/PDF indices 11–12; *Reinbrecht* printed pages 112–114/PDF indices 4–6; *McKinney* printed pages 884 and 889/PDF indices 4 and 9; *Bohling* printed pages 129 and 139/PDF indices 0 and 10; and *Syring* printed pages 208–210/PDF indices 13–15. [Nebraska.gov+5](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB)\n\n# K. Bounded hypothetical workflows\n\nAll facts and amounts below are hypothetical. No example establishes an actual violation, recoverable loss, licensure status, criminal sentence, or entitlement to fees.\n\n## Example 1 — unlicensed third-party collector operating five days\n\n**Assumptions**\n\n- Entity solicits and collects claims for several creditors.\n- No applicable exclusion.\n- It knowingly and willfully operates without a Nebraska license for five calendar days.\n- Prosecutor proves each day as a separate offense.\n\nPotential offense count:\n\nPlain text\n```\n5 operating days × 1 offense per day = 5 alleged offenses\n```\n\nClass III misdemeanor fine ceiling per offense:\n\nPlain text\n```\n5 × $500 = $2,500 theoretical aggregate fine ceiling\n```\n\nThat arithmetic does **not** establish:\n\n- that separate sentences would be imposed;\n- whether sentences would run concurrently;\n- that prosecution is timely;\n- that a debtor receives the fine;\n- private damages;\n- debt cancellation; or\n- judgment invalidity.\n\nA separate private claimant would still need an NCPA, UDTPA, tort, FDCPA, or bond cause with its own elements.\n\n## Example 2 — original creditor’s own name versus false collection name\n\n### Branch A: ordinary own-name collection\n\nA retailer sends a demand under its actual company name through its employee.\n\n- Collection Agency Act exclusion may apply.\n- FDCPA creditor exclusion may apply.\n- NCPA, UDTPA, and fraud remain possible if the communication is independently deceptive.\n\n### Branch B: fictitious third-party appearance\n\nThe same retailer sends a demand under “Regional Recovery Bureau,” implying an independent collector.\n\n- Nebraska’s false-name collection-agency branch may apply.\n- The FDCPA different-name branch may apply.\n- Consumer-protection remedies still require injury, public impact, future harm, or other route-specific facts.\n\n## Example 3 — debt buyer and attorney ambiguity\n\n**Facts**\n\n- Company purchased the account and sues in its own name.\n- Outside law firm regularly files collection suits.\n- It is unknown whether debt collection is the buyer’s principal purpose.\n- It is unknown whether the law firm is lay managed.\n\n**Classification**\n\nPlain text\n```\nNebraska Collection Agency Act:\nbuyer may fit purchased-claim exclusion\nattorney exclusion depends on actual structure\n\nFDCPA buyer:\n“owed another” prong unavailable under Henson\nprincipal-purpose prong unresolved\n\nFDCPA law firm:\npotentially covered under Heintz\n```\n\nNo label alone resolves the private-remedy route.\n\n## Example 4 — allegedly deceptive balance letter with missing NCPA elements\n\n**Facts**\n\n- Letter overstates an account by $300.\n- Debtor never pays it.\n- Only one consumer received the letter.\n- No evidence shows standardized use or likely broader public impact.\n\nPotential analysis:\n\nPlain text\n```\nDeceptive representation                  potentially shown\nProperty loss                             not yet shown\nCausation of actual damages               not yet shown\nPublic-interest impact                    not yet shown\n```\n\nNCPA damages remain held. A UDTPA injunction may also fail unless future likely harm is shown. The error can still be relevant to a federal FDCPA claim if the actor and debt qualify.\n\n## Example 5 — repeated calls and disputed tort elements\n\n**Facts**\n\n- Collector makes eight calls over ten days.\n- Calls occur during normal hours.\n- No third-party disclosure is shown.\n- Debtor reports irritation but no severe distress.\n- Collector stops after a written request.\n\nThe count does not automatically prove:\n\n- highly offensive intrusion;\n- extreme and outrageous conduct;\n- severe emotional distress;\n- federal harassment; or\n- actual property loss.\n\nDifferent content—threats, workplace disclosures, family contacts, late-night calls, or continued calls after clear notice—could materially alter the analysis.\n\n## Example 6 — private NCPA recovery with unresolved increased-award branch\n\n**Assumptions**\n\n- Public-interest impact is proved.\n- Collector’s deception caused **$600** in actual unauthorized payments.\n- District court finds a §59-1602 violation.\n- Claimant proves entitlement to costs and a reasonable attorney fee.\n- The court considers the discretionary increased-award branch.\n\nVerified amount:\n\nPlain text\n```\nActual damages = $600\n```\n\nNot verified:\n\nPlain text\n```\nAdditional increment                    HOLD\nResulting enhanced-award ceiling        HOLD\nAttorney-fee amount                     court determined\nPunitive damages                        unavailable\n```\n\nIt would be incorrect to state automatically:\n\nPlain text\n```\n$600 + $1,000 = $1,600\n```\n\n## Example 7 — public penalty versus private award\n\n**Assumptions**\n\n- Court finds three distinct NCPA violations.\n- Attorney General proves each statutory unit.\n- Court selects the maximum §59-1602 civil penalty.\n\nPlain text\n```\n3 violations × $2,000 = $6,000 maximum public penalty\n```\n\nThe $6,000 is payable under the public enforcement route, not automatically to the consumer.\n\nA private claimant separately proving $450 in actual property loss would pursue that $450 under §59-1609, subject to all private elements. The public penalty does not automatically multiply private damages.\n\n## Example 8 — allegedly wrongful writ with a valid underlying debt\n\n**Facts**\n\n- Creditor has a valid $8,000 judgment.\n- Creditor knowingly directs execution against property owned solely by a third party.\n- Court releases the property.\n- Judgment itself remains unpaid and valid.\n\nPotential consequences:\n\n- the third party can use the execution ownership procedure;\n- abuse of process may be examined if judicial process was used for an improper collateral purpose and an improper act occurred after issuance;\n- malicious prosecution requires favorable termination, probable-cause absence, malice, and damages;\n- the valid $8,000 judgment is not automatically extinguished.\n\nWrongful process and underlying debt validity are separate questions.\n\n## Example 9 — complaint or negotiation while a court deadline runs\n\n**Facts**\n\n- Consumer files an AG complaint.\n- Collector offers a payment plan.\n- A lawsuit answer deadline is approaching.\n- No signed agreement, court order, arbitration stay, or extension exists.\n\nResult:\n\nPlain text\n```\nAG complaint                   no automatic stay\nNegotiation                    no automatic extension\nUnsigned proposal              no automatic forbearance\nCourt deadline                 remains governed by court law\n```\n\nAn executed forbearance or actual court order could create a different result, but its terms and authority would have to be established.\n\n## Example 10 — two FDCPA violations in one action\n\n**Assumptions**\n\n- Covered debt collector sends two unlawful letters.\n- Consumer brings one timely federal action.\n- No actual damages are proved.\n- Court finds both violations and considers statutory factors.\n\nThe individual additional-damages ceiling is:\n\nPlain text\n```\nup to $1,000 per action\n```\n\nnot:\n\nPlain text\n```\n2 letters × $1,000 = $2,000\n```\n\nActual damages, if proved, are separate from the discretionary additional award.\n\n## Example 11 — bond claim versus debtor claim\n\n**Facts**\n\n- Licensed agency has a $5,000 bond.\n- It collects $4,000 for a creditor-client and fails to remit it.\n- The creditor-client has the collection agreement and accounting records.\n- A debtor contacted by the same agency has no agreement with it and no payment loss.\n\nPotential bond result:\n\nPlain text\n```\nClient’s supported loss          $4,000\nAvailable bond ceiling           $5,000\nPotential client recovery        up to $4,000\n```\n\nThe debtor does not automatically recover on the bond merely because the agency also contacted the debtor. The debtor needs the agreement, accounting, payment, or other statutory bond nexus—or another cause of action.\n\n# L. Source register\n\n| Source ID | Title, issuer, full literal URL, exact read bounds | Version/status and limits |\n| --- | --- | --- |\n| **S_NE-P26-S001** | **Nebraska Collection Agency Act—scope and definitions**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-601; https://nebraskalegislature.gov/laws/statutes.php?statute=45-602; https://nebraskalegislature.gov/laws/statutes.php?statute=45-622. Complete operative HTML sections; no PDF page/index. | Current official codification freshly read October 26, 2026 PT/UTC. Actor exclusions are conditional, not cross-statute immunity. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) |\n| **S_NE-P26-S002** | **Board, application, qualification, branch, renewal, records and fees:** https://nebraskalegislature.gov/laws/statutes.php?statute=45-603; ...=45-604; ...=45-605; ...=45-606; ...=45-607; ...=45-609; ...=45-610; ...=45-611; ...=45-618; ...=45-619; ...=45-620. Complete operative HTML. | Current official codification freshly read October 26, 2026. Government fees are not consumer damages or charges. [Nebraska Legislature+10](https://nebraskalegislature.gov/laws/statutes.php?statute=45-603) |\n| **S_NE-P26-S003** | **Bond and discipline:** https://nebraskalegislature.gov/laws/statutes.php?statute=45-608; ...=45-612; ...=45-613; ...=45-614; ...=45-615; ...=45-616; ...=45-617. Complete operative HTML. | Current official codification freshly read October 26, 2026. Bond action is conditional; appeal permits continued business. [Nebraska Legislature+6](https://nebraskalegislature.gov/laws/statutes.php?statute=45-608) |\n| **S_NE-P26-S004** | **Title 433, Chapter 2—Collection Agencies**, Nebraska Secretary of State. https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf; PDF indices 0–14 and 16–18 materially inspected, especially indices 7, 9, 10, 12 and 14. Index: https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents. | Current official static publication route checked October 26, 2026. No complete adoption/effective-history metadata; one fee page is stale against current statute. [Nebraska Secretary of State+5](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) |\n| **S_NE-P26-S005** | **SOS collection-agency licensing, forms and roster.** https://sos.nebraska.gov/licensing/collection-agencies; https://sos.nebraska.gov/licensing/collection-agencies-statutes; https://sos.nebraska.gov/licensing/collection-agency-licensing-forms; roster https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf. | Current public pages checked October 26, 2026. Roster dated July 9, 2026, with December 31, 2026 expirations; no named-provider lookup performed. [Nebraska Secretary of State+3](https://sos.nebraska.gov/licensing/collection-agencies) |\n| **S_NE-P26-S006** | **Criminal classifications and limitation:** https://nebraskalegislature.gov/laws/statutes.php?statute=28-106; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110. | Current official statutes freshly read October 26, 2026. Actual sentencing and charging units remain prosecutor/court dependent. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=29-110) |\n| **S_NE-P26-S007** | **Nebraska Consumer Protection Act:** https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; ...=59-1602; ...=59-1608; ...=59-1609; ...=59-1609.01; ...=59-1610; ...=59-1611; ...=59-1612; ...=59-1613; ...=59-1614; ...=59-1617. Complete material HTML. | Current official codification freshly read October 26, 2026. Increased-award cap construction remains unresolved. [Nebraska Legislature+10](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601) |\n| **S_NE-P26-S008** | ***Nelson v. Lusterstone Surfacing Co.*, 258 Neb. 678, 605 N.W.2d 136 (2000).** https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html; reported opinion materially read, HTML actual-opinion reproduction, no PDF index. | Final published Nebraska Supreme Court opinion; public reproduction read October 26, 2026. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html) |\n| **S_NE-P26-S009** | ***Eicher v. Mid America Financial Investment Corp.*, 275 Neb. 462 (2008).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed pp.463, 473–474/PDF indices 1, 11–12. | Final published Nebraska Supreme Court opinion, freshly read. [Nebraska.gov+3](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB) |\n| **S_NE-P26-S010** | ***Wrede v. Exchange Bank of Gibbon*, 247 Neb. 907, 531 N.W.2d 523 (1995).** https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html; reported pp.526–531, HTML actual-opinion reproduction. | Final published Nebraska Supreme Court opinion; read October 26, 2026. [Justia Law](https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html) |\n| **S_NE-P26-S011** | ***Hage v. General Service Bureau*, 306 F. Supp. 2d 883 (D. Neb. 2003).** https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/; reported pp.884–890, HTML actual-opinion reproduction. | Published federal district-court opinion; persuasive only. NCPA and FDCPA rulings limited to actual posture. [Justia Law+4](https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/) |\n| **S_NE-P26-S012** | ***O’Brien v. Cessna Aircraft Co.*, 298 Neb. 109 (2017)** and Nebraska Constitution art. VII, §5. Opinion: https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB, printed p.139/PDF index 30. Constitution: https://nebraskalegislature.gov/laws/articles.php?article=VII-5. | Final controlling authority on Nebraska punitive-damages prohibition; freshly read. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB) |\n| **S_NE-P26-S013** | **Nebraska Uniform Deceptive Trade Practices Act:** https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; ...=87-302; ...=87-303; ...=87-303.01; ...=87-303.02; ...=87-303.03; ...=87-303.04; ...=87-303.05; ...=87-303.07; ...=87-303.08; ...=87-303.09; ...=87-303.10; ...=87-303.11; ...=87-303.12; ...=87-304. | Current official pages freshly read October 26, 2026. §87-302 page also contains LB 838 provisions effective January 1, 2027; only already-operative clauses were used. [Nebraska Legislature+13](https://nebraskalegislature.gov/laws/statutes.php?statute=87-301) |\n| **S_NE-P26-S014** | ***Reinbrecht v. Walgreen Co.*, 16 Neb. App. 108, 742 N.W.2d 243 (2007).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed pp.112–114/PDF indices 4–6. | Final published Nebraska Court of Appeals opinion; freshly read. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB) |\n| **S_NE-P26-S015** | **Nebraska Privacy Act:** https://nebraskalegislature.gov/laws/statutes.php?statute=20-201; ...=20-203; ...=20-211. | Current official codification freshly read October 26, 2026. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=20-201) |\n| **S_NE-P26-S016** | **Nebraska tort limitations:** https://nebraskalegislature.gov/laws/statutes.php?statute=25-207; https://nebraskalegislature.gov/laws/statutes.php?statute=25-208. | Current official text freshly read October 26, 2026. Current malicious-prosecution period remains unresolved. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=25-207) |\n| **S_NE-P26-S017** | ***Gordon v. Community First State Bank*, 255 Neb. 637, 587 N.W.2d 343 (1998).** https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html; reported pp.350–353, HTML reproduction. | Final published Nebraska Supreme Court opinion. [Justia Law+2](https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html) |\n| **S_NE-P26-S018** | ***McKinney v. Okoye*, 287 Neb. 261 (2014).** https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB; printed pp.880, 884, 889/PDF indices 0, 4, 9. | Final published Nebraska Supreme Court opinion; majority and later dissent distinguished. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB) |\n| **S_NE-P26-S019** | ***Bohling v. Tecumseh Poultry LLC*, 31 Neb. App. 129 (2022).** https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB; printed pp.129–139/PDF indices 0–10. | Final published Court of Appeals opinion; outcome rested on claim preclusion. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB) |\n| **S_NE-P26-S020** | ***Syring v. Archdiocese of Omaha*, 33 Neb. App. 194 (2024).** https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB; printed pp.208–210/PDF indices 13–15. | Final published Court of Appeals opinion; freshly read. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB) |\n| **S_NE-P26-S021** | **FDCPA operative provisions:** https://uscode.house.gov/us/usc/119-124/t15/s1692a/; .../s1692e/; .../s1692f/; .../s1692k/; .../s1692l/; https://uscode.house.gov/us/usc/119-124/t15/s1692n/. | Official U.S. Code pages displaying laws through Public Law 119-124, October 15, 2026; freshly read. [U.S. Code+5](https://uscode.house.gov/us/usc/119-124/t15/s1692a/) |\n| **S_NE-P26-S022** | ***Henson v. Santander Consumer USA Inc.*, 582 U.S. 79 (2017).** https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf; slip opinion pp.1–3/PDF indices 2–4. | Final unanimous U.S. Supreme Court opinion; freshly read. [Supreme Court of the United States](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) |\n| **S_NE-P26-S023** | ***Heintz v. Jenkins*, 514 U.S. 291 (1995).** https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf; U.S. Reports pp.294–295/PDF indices 3–4. | Final unanimous U.S. Supreme Court opinion; freshly read. [GovInfo](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf) |\n| **S_NE-P26-S024** | ***Rotkiske v. Klemm*, 589 U.S. 8 (2019).** https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf; syllabus p.1/PDF0, majority discussion p.5/PDF6. | Final U.S. Supreme Court opinion; Justice Ginsburg dissented. [Supreme Court of the United States](https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf) |\n| **S_NE-P26-S025** | **Nebraska Attorney General consumer complaint and CART pages.** https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team; https://ago.nebraska.gov/consumer-protection. | Current public pages checked October 26, 2026. Complaint intake is not adjudication or private representation. [Nebraska Attorney General+2](https://ago.nebraska.gov/consumer-protection) |\n| **S_NE-P26-S026** | **Bounded public-authority searches:** Nebraska appellate repository, Legislature statute search, SOS collection pages, AG consumer pages, and official federal opinion repositories. | Search-only work October 26, 2026. No controlling Nebraska appellate decision was located recognizing or rejecting a general implied debtor damages action under §§45-601–622, or fixing the current malicious-prosecution limitation. Not a complete paid citator, trial-docket, unpublished-order, or legislative-history search. |\n\n# M. Claim register\n\n| Claim ID | Precise bounded claim | Source/pinpoint | Conditions, consequence, confidence |\n| --- | --- | --- | --- |\n| **S_NE-P26-C001** | Covered collection-agency activity requires a Nebraska license. | S001, §45-601 | Conditional exclusions apply; **high** |\n| **S_NE-P26-C002** | Third-party claim solicitation and enforcement for multiple creditors fits the collection-agency definition. | S001, §45-602(1) | Actual activity controls; **high** |\n| **S_NE-P26-C003** | An own creditor using a name suggesting an independent collector can fall within the definition. | S001, §45-602(2) | Representation and name facts required; **high** |\n| **S_NE-P26-C004** | Employee, attorney, debt-buyer, bank, and other exclusions are conditional and do not create cross-statute immunity. | S001, §45-602(3) | **High** |\n| **S_NE-P26-C005** | The out-of-state branch permits specified communication, not blanket Nebraska operational authority. | S001, §45-601 | **High bounded reading** |\n| **S_NE-P26-C006** | Knowing and willful unlicensed operation is a Class III misdemeanor for each day. | S001, §45-601; S006, §28-106 | Public prosecution only; **high** |\n| **S_NE-P26-C007** | The Collection Agency Act contains no express general debtor damages, cancellation, dismissal, or judgment-voidness remedy. | S001–S003 | Bounded textual finding; implied-action question remains held |\n| **S_NE-P26-C008** | Bond recovery is available only to a person satisfying accounting, payment, or agreement predicates and is capped by the bond. | S003, §45-608 | **High** |\n| **S_NE-P26-C009** | The Board can investigate, subpoena, suspend, and revoke. | S002–S004 | Administrative route; **high** |\n| **S_NE-P26-C010** | A licensee can continue business during the APA appeal. | S003, §45-617 | No automatic complaint stay; **high** |\n| **S_NE-P26-C011** | Title 433’s FDCPA reference does not expressly create a Nebraska private FDCPA cause. | S004, PDF index 10 | **High bounded conclusion** |\n| **S_NE-P26-C012** | Rule-based record and termination duties can support discipline but do not automatically pay damages to the debtor. | S004, PDF indices 7 and 9 | **High** |\n| **S_NE-P26-C013** | NCPA prohibits unfair or deceptive acts in trade or commerce. | S007, §59-1602 | **High** |\n| **S_NE-P26-C014** | Private NCPA liability requires public-interest impact. | S008–S011 | Isolated private dispute may fail; **high** |\n| **S_NE-P26-C015** | Private NCPA standing requires injury to business or property and causation. | S007, §59-1609 | Emotional distress alone may not suffice; **high** |\n| **S_NE-P26-C016** | NCPA private relief includes actual damages, injunction, costs, and reasonable attorney fees. | S007, §59-1609 | Successful claimant and court-determined amount required; **high** |\n| **S_NE-P26-C017** | The §59-1609 $1,000 increased-award wording cannot be treated as an automatic extra $1,000. | S007 | Cap construction unresolved; **high hold** |\n| **S_NE-P26-C018** | Nebraska punitive damages are unavailable. | S012 | **High** |\n| **S_NE-P26-C019** | NCPA’s regulatory exemption is conduct specific rather than automatic from a license label. | S010–S011 | Exact regulator and conduct required; **high** |\n| **S_NE-P26-C020** | AG can obtain NCPA injunction, restoration, assurances, and public civil penalties. | S007, §§59-1608–1614 | Court action and statutory predicates required; **high** |\n| **S_NE-P26-C021** | NCPA private period is four years after accrual, with specified suspension during qualifying AG action. | S007, §59-1612 | Exact accrual fact dependent; **high** |\n| **S_NE-P26-C022** | UDTPA private relief requires likely future damage and is equitable. | S013, §87-303; S014 | **High** |\n| **S_NE-P26-C023** | UDTPA does not provide private damages. | S013–S014 | **High** |\n| **S_NE-P26-C024** | UDTPA costs and attorney fees have separate statutory conditions and are not universally automatic. | S013, §87-303 | **High** |\n| **S_NE-P26-C025** | Section 87-303.07 unenforceability applies to a sale or lease induced by the violation, not every preexisting debt. | S013, §87-303.07 | **High** |\n| **S_NE-P26-C026** | AG UDTPA remedies include investigation, restraint, cease and desist, injunction, restoration, license relief, and up to $2,000 per violation. | S013 | **High** |\n| **S_NE-P26-C027** | UDTPA violation is Class II misdemeanor; willful order/assurance violation is Class IV felony. | S013; S006 | Actual offense and sentence held; **high** |\n| **S_NE-P26-C028** | UDTPA territorial and compliance exceptions are conduct specific. | S013, §87-304 | **High** |\n| **S_NE-P26-C029** | UDTPA four-year text runs from purchase date; pure later collection-conduct application is unresolved. | S013, §87-303.10 | **Partial** |\n| **S_NE-P26-C030** | Failure to send §87-303.12 materials is not a dismissal ground. | S013, §87-303.12 | Later AG action remains possible; **high** |\n| **S_NE-P26-C031** | Fraud requires false representation, knowledge/recklessness, intent, reasonable reliance, and damage. | S009 | **High** |\n| **S_NE-P26-C032** | Intrusion requires intentional highly offensive interference with private affairs; limitation is one year. | S015 | Natural-person claimant; **high** |\n| **S_NE-P26-C033** | Abuse of process requires ulterior purpose, improper use of judicial process, and damage; bad intent alone is insufficient. | S017 | **High** |\n| **S_NE-P26-C034** | Malicious prosecution requires favorable termination, no probable cause, malice, and damages among six elements. | S019 | **High** |\n| **S_NE-P26-C035** | Judicial-proceeding privilege can bar statement-based privacy or defamation claims but not malicious prosecution. | S018 | **High** |\n| **S_NE-P26-C036** | IIED requires intentional/reckless extreme and outrageous conduct causing severe distress. | S020 | **High** |\n| **S_NE-P26-C037** | An invalid or quashed writ does not automatically establish every tort. | S017–S020 | Route-specific elements remain; **high bounded conclusion** |\n| **S_NE-P26-C038** | Fraud falls under a four-year discovery/inquiry-notice rule. | S016, §25-207 | **High generally** |\n| **S_NE-P26-C039** | Abuse-of-process and IIED limitation classification and accrual remain fact specific under current law. | S016 | **Partial** |\n| **S_NE-P26-C040** | The current malicious-prosecution limitation was not resolved by controlling modern authority located here. | S016, S026 | **Unresolved** |\n| **S_NE-P26-C041** | FDCPA applies only to a covered debt collector and personal/family/household debt. | S021, §1692a | **High** |\n| **S_NE-P26-C042** | Own creditor is generally outside ordinary FDCPA coverage, subject to different-name and other branches. | S021 | **High** |\n| **S_NE-P26-C043** | *Henson* resolves only the “owed another” prong for debt buyers and leaves principal-purpose coverage open. | S022 | **High** |\n| **S_NE-P26-C044** | Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors. | S023 | **High** |\n| **S_NE-P26-C045** | Individual FDCPA additional damages are up to $1,000 per action, with separate actual damages and class ceiling. | S021, §1692k | **High** |\n| **S_NE-P26-C046** | FDCPA limitation is one year from violation, not a general discovery date. | S021; S024 | Equitable doctrines fact specific; **high** |\n| **S_NE-P26-C047** | More protective consistent state remedies are not displaced merely because FDCPA also applies. | S021, §1692n | **High** |\n| **S_NE-P26-C048** | No collector-specific universal election or duplicate-damages rule was located; overlapping actual-loss allocation remains case specific. | S026 | **Unresolved/partial** |\n| **S_NE-P26-C049** | Regulator complaint or negotiation does not automatically stay litigation or toll a claim. | S003, S025 | Actual agreement/order/statute required; **high boundary** |\n| **S_NE-P26-C050** | AG complaint intake is not adjudication, private representation, or an automatic remedy. | S025 | **High** |\n| **S_NE-P26-C051** | Actor classification must be performed independently under each statute. | S001, S013, S021–S023 | **High synthesis** |\n| **S_NE-P26-C052** | FDCPA’s consumer-debt limitation does not automatically limit Nebraska Collection Agency Act coverage to consumer debt. | S001, S021 | **High** |\n\n# N. Granular coverage and remaining gaps\n\n| Assigned issue | Status | Linked claims | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| Collection-agency licensing scope | **Answered generally** | C001–C005 | Actual entity, activity, name, creditor count, nexus |\n| Original-creditor exclusion | **Answered conditionally** | C003–C004, C042 | Actual name and collection structure |\n| Debt-buyer exclusion | **Answered for state licensing; federal branch partial** | C004, C043 | Principal-purpose and business facts |\n| Attorney exclusion | **Answered conditionally** | C004, C044 | Firm structure, name, regular collection activity |\n| Servicer/affiliate classification | **Partial** | C051 | Ownership, principal, contracts, account timing |\n| Out-of-state collector | **Partial** | C005 | Residence, other-state regulation, Nebraska activity |\n| Commercial debt | **Answered as boundary** | C052 | Actual transaction purpose |\n| Express Collection Act private damages | **No express route found** | C007 | Controlling implied-action authority |\n| Implied debtor cause under Collection Act | **Unresolved** | C007, S026 | Controlling Nebraska appellate decision or legislative history |\n| Bond action | **Answered conditionally** | C008 | Bond, claimant, agreement, accounting, aggregate claims |\n| Board investigation and discipline | **Answered** | C009–C012 | Actual complaint, hearing, current rule application |\n| Board complaint standing discrepancy | **Partial** | C009 | Board interpretation of statute/rule difference |\n| Collection Act criminal route | **Answered** | C006 | Proof of knowledge, willfulness, days, timeliness |\n| Debt cancellation from licensing violation | **Not supported** | C007 | Separate contract or statutory authority |\n| NCPA conduct route | **Answered** | C013–C021 | Actual public impact, injury, causation, exemption |\n| NCPA public interest | **Answered generally** | C014 | Reach and repetition evidence |\n| NCPA injury and damages | **Answered generally** | C015–C017 | Payments, property loss, causation |\n| NCPA increased award | **Unresolved cap construction** | C017 | Controlling interpretation |\n| Punitive damages | **Answered as unavailable** | C018 | None |\n| Regulatory exemption | **Answered as conduct specific** | C019 | Exact regulator and challenged act |\n| NCPA AG remedies | **Answered** | C020 | Actual investigation and court findings |\n| UDTPA private route | **Answered** | C022–C025 | Future likely harm and transaction facts |\n| UDTPA damages | **Answered as unavailable privately** | C023 | None |\n| UDTPA public enforcement | **Answered** | C026–C030 | Actual violation, unit, order, territory |\n| §87-303.01 unconscionable transaction | **Partial** | S013 | Supplier/consumer-transaction fit to collection conduct |\n| UDTPA purchase-date limitation for later collection | **Unresolved** | C029 | Controlling state interpretation |\n| Fraud | **Answered** | C031, C038 | Representation, knowledge, reliance, damage |\n| Privacy/intrusion | **Answered generally** | C032 | Contact content, setting, intent, offensiveness |\n| Abuse of process | **Answered** | C033 | Judicial process and improper postissuance act |\n| Malicious prosecution | **Elements answered; period unresolved** | C034, C040 | Favorable termination, probable cause, current limitation |\n| Litigation privilege | **Answered generally** | C035 | Statement, proceeding, relation to litigation |\n| IIED | **Answered generally** | C036, C039 | Extreme conduct and severe distress |\n| Wrongful garnishment/execution | **Answered as no automatic omnibus tort** | C037 | Exact process, ownership, intent, injury, termination |\n| FDCPA actor/debt gateway | **Answered generally** | C041–C044 | Actual business and debt purpose |\n| FDCPA private remedies | **Answered** | C045 | Actual damages and statutory factors |\n| FDCPA limitation | **Answered** | C046 | Exact violation date and equitable facts |\n| State/federal coexistence | **Answered generally** | C047–C048 | Injury allocation and judgment |\n| Duplicate actual recovery | **Unresolved case specifically** | C048 | Pleadings, verdict, remedial overlap |\n| AG/Board complaint effect | **Answered as no automatic stay/adjudication** | C049–C050 | Actual agreement or order |\n| Criminal prosecution periods | **Answered generally** | Limitations table | Offense date, unit, statutory exception |\n| Board discipline limitation | **Unresolved** | — | Current APA/rule interpretation |\n| Appeal and exhaustion | **Partial** | C010 | Actual administrative order and APA route |\n| Arbitration/venue | **Excluded except boundary** | — | Actual agreement and separate arbitration pass |\n| Secured, medical, tax, support, education, bankruptcy | **Excluded** | — | Separate sector research |\n| Local, tribal, foreign-country rules | **Excluded** | — | Separate jurisdictional research |\n| Named collector or claimant outcome | **Not performed** | — | Private records prohibited and unavailable |\n| Nebraska/component/parent/A066 acceptance | **Not granted** | — | Remaining assignments and coordinator review |\n\n# O. Researcher self-check\n\n## Freshly read\n\nThis pass freshly read the material operative text of:\n\n- Neb. Rev. Stat. §§45-601 through 45-620 and 45-622;\n- Title 433, Chapter 2’s material licensing, termination, record, complaint, FDCPA-reference, and fee pages;\n- §§28-105, 28-106, and 29-110;\n- §§59-1601, 59-1602, and 59-1608 through 59-1617;\n- §§87-301 through 87-304’s material branches;\n- §§20-201, 20-203, and 20-211;\n- §§25-207 and 25-208;\n- 15 U.S.C. §§1692a, 1692e, 1692f, 1692k, 1692l, and 1692n; and\n- current SOS and Attorney General public operational pages.\n\nIt also read the material bodies of:\n\n- *Nelson*;\n- *Eicher*;\n- *Wrede*;\n- *Hage*;\n- *Reinbrecht*;\n- *Gordon*;\n- *McKinney*;\n- *Bohling*;\n- *Syring*;\n- *Henson*;\n- *Heintz*; and\n- *Rotkiske*.\n\n## Numeric self-check\n\nPlain text\n```\nCollection Act example:\n5 alleged daily offenses × $500 maximum fine\n= $2,500 theoretical aggregate fine ceiling\n\nNCPA public penalty example:\n3 violations × $2,000\n= $6,000 potential public ceiling\n\nBond example:\n$4,000 supported client loss\nwithin $5,000 bond\n= up to $4,000 before competing claims and defenses\n\nFDCPA example:\n2 letters in one action\ndoes not become 2 × $1,000\nindividual additional-damages ceiling remains up to $1,000 per action\n```\n\nThese calculations establish arithmetic only. They do not establish offense units, charging decisions, separate convictions, bond entitlement, statutory damages, or actual liability.\n\n## Bounded unresolved searches\n\nNo controlling Nebraska appellate decision was located in this focused public search that conclusively:\n\n- creates or rejects a general implied debtor damages action under the Collection Agency Act;\n- makes an unlicensed collection contract or underlying debt automatically void;\n- fixes the current limitation period for malicious prosecution after the 2000 statutory amendment;\n- resolves §59-1609’s “such increased award” cap language;\n- resolves §87-303.10’s purchase-date clock for pure later collection conduct;\n- supplies a universal private remedy under §25-1558 or other law for collector-related employment retaliation;\n- creates an automatic wrongful-garnishment tort; or\n- establishes a collector-specific election or duplicate-recovery rule for overlapping Nebraska and FDCPA claims.\n\nThose are bounded gaps, not findings that no unpublished, trial-level, legislative-history, or later authority exists.\n\n## Not performed\n\n- No actual creditor, collector, debt buyer, attorney, servicer, consumer, communication, account, contract, licensing file, complaint, agency record, bond, lawsuit, judgment, garnishment, credit report, injury record, or class evidence was accessed.\n- No named-provider or named-case docket lookup was performed.\n- No complaint, filing, demand letter, contact, records request, purchase, account action, private-data search, browser control, local write, or publication occurred.\n- No complete provider-remedies, bankruptcy, secured-debt, medical, tax, support, education, local, tribal, or foreign-country dossier was performed.\n- No complete paid citator, unpublished-order search, legislative-history audit, Title 433 adoption-history audit, or current Board adjudication database was available.\n\n**Focused disposition:** Nebraska collector-conduct remedies are route specific. The Collection Agency Act primarily supplies licensing, bond, criminal, and administrative consequences; it does not expressly cancel debts or award every debtor damages. The NCPA can support actual property damages and injunctions when public impact, injury, and causation are proved. The UDTPA supplies prospective equitable relief, not private damages. Common-law fraud, privacy, abuse of process, malicious prosecution, and IIED each retain demanding independent elements. Federal FDCPA coverage must be analyzed separately for the actor and the consumer debt, and its $1,000 individual additional-damages ceiling is per action—not per contact or statutory subsection.\n\nEND S_NE PASS-26.\n\n","tables":[{"headers":["Actor or model","Nebraska Collection Agency Act","NCPA/UDTPA and common law","Necessary FDCPA boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or model","Nebraska Collection Agency Act","NCPA/UDTPA and common law","Necessary FDCPA boundary"],["Original creditor collecting in its own name","Ordinarily outside the “collection agency” definition; regular employees collecting for one creditor are excluded","Can still face NCPA, UDTPA, fraud, privacy, abuse-of-process, or IIED claims if their independent elements are met","Generally outside the ordinary creditor definition, subject to the different-name and other statutory branches"],["Original creditor using another or fictitious collection name","Expressly can fall within the definition when the name indicates a third person is collecting","Same state-law routes remain independently possible","FDCPA also has a different-name branch"],["Third-party contingency collection agency","License generally required; bond, records, discipline, and per-day criminal offense provisions apply","NCPA/UDTPA/common-law liability remains possible; licensing status alone is not a defense","Ordinarily within FDCPA if collecting qualifying consumer debt"],["Debt buyer collecting purchased debts in its own name","Express statutory exclusion for a purchaser for value collecting purchased claims in its own name","Not exempt from NCPA, UDTPA, fraud, or other applicable law merely because excluded from licensing","Henson excludes the buyer from only the “owed another” prong; principal-purpose status remains a separate question"],["Collection attorney or law firm","Excluded only when handling claims in the attorney’s own name and not operating a lay-managed collection agency; collection license does not authorize practice of law","State consumer-protection and tort routes remain fact dependent","Attorneys regularly collecting consumer debts through litigation can be debt collectors under Heintz"],["Servicer or affiliate","Classification depends on who owns the claim, whose name is used, whose accounts are solicited, and whether the entity is collecting for more than one creditor","No label-based immunity","Federal classification turns on principal purpose, regular collection activity, debt ownership at default, and exact statutory exclusions"],["Out-of-state collector","A nonresident person regulated as a collection agency in another state may communicate with a Nebraska debtor under the narrow statutory branch; that is not blanket authority for every Nebraska activity","Nebraska territorial and consumer-protection rules can still apply","Federal law applies according to its own interstate-commerce and actor definitions"],["Bank or listed financial institution","Listed institutional exclusions apply","Conduct can still be actionable under another law unless a separate regulatory exemption applies to the challenged conduct","Separate federal exclusions and creditor status apply"],["Collector of commercial or business debt","Nebraska’s licensing definition is not expressly limited to consumer debt","NCPA/UDTPA applicability depends on trade, public impact, claimant injury, and the challenged transaction","FDCPA ordinarily requires a personal, family, or household obligation"]]},{"headers":["Event","Decisionmaker","Remedy or consequence","Unit or amount","Private claimant result"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Event","Decisionmaker","Remedy or consequence","Unit or amount","Private claimant result"],["Knowing and willful unlicensed operation","Criminal court, after prosecution","Class III misdemeanor","One offense for each day","No automatic private award"],["Officer or agent personally participating","Criminal court","Class III misdemeanor","Per established offense","No automatic private award"],["License qualification failure","Board","Denial","No consumer payment","Administrative only"],["Fraud, failure to account, bond loss, Nebraska-office failure","Board","Mandatory or discretionary revocation","License consequence","No automatic debt cancellation"],["Complaint alleging statutory violation","Board","Investigation, hearing, suspension, or revocation","No express administrative civil penalty in reviewed Act","Complaint is not damages adjudication"],["Failure to account, remit, or honor agreement","Court in bond action","Recovery against bond","Limited by applicable bond","Only claimant satisfying bond predicates"],["License appeal","Reviewing court under APA","Review; collection business can continue pending appeal","No automatic stay","Separate judicial relief required"]]},{"headers":["Defendant/conduct","Potential claimant and route","Essential elements or gateway","Remedy","Principal failure case"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Defendant/conduct","Potential claimant and route","Essential elements or gateway","Remedy","Principal failure case"],["Unlicensed third-party collection agency","State/Board; conditional bond claimant","Covered collection-agency activity; no license; knowledge/willfulness for crime","Criminal offense, discipline, bond recovery","No express general debtor damages action"],["Original creditor using fictitious collector name","State licensing route; consumer under NCPA/UDTPA; possibly FDCPA","Name implies third-party collection; deceptive conduct and separate injury/future-harm elements","Licensing consequence, NCPA damages, UDTPA injunction, federal remedy","Collecting in ordinary own name may remain outside licensing/FDCPA creditor branch"],["Debt buyer collecting purchased debt","NCPA/UDTPA/common law; FDCPA if principal-purpose or other prong","Own-name state exclusion; federal prong; deceptive conduct; injury","Route-specific","Debt purchase alone proves neither liability nor immunity"],["Collection attorney filing or threatening suit","NCPA/UDTPA, abuse of process, malicious prosecution, FDCPA","Regular collection activity; process misuse or favorable termination; privilege boundaries","Route-specific","Losing or dismissing suit alone is insufficient"],["Deceptive demand letter","NCPA, UDTPA, fraud, FDCPA","Public interest and property injury; future likely harm; reliance for fraud; federal actor/debt","Actual damages, injunction, federal statutory damages","No public impact, no injury, no reliance, or wrong actor"],["Repeated private contacts","Privacy, IIED, FDCPA","Intentional highly offensive intrusion; extreme conduct and severe distress; federal communication rule","Actual/nominal privacy damages, tort damages, FDCPA","Call count alone is insufficient"],["Unauthorized fee collection","NCPA, fraud, FDCPA; possibly restitution in AG action","Fee unauthorized by law/agreement; causation and payment; actor status","Actual loss, injunction, federal relief; public restoration","Merely requesting a disputed fee without payment may leave actual-damage proof missing"],["Wrongful garnishment or execution","Abuse of process, malicious prosecution, privacy, statutory procedural relief","Misuse after process, ulterior purpose, favorable termination, probable cause, privilege","Tort damages or process relief","Quashed writ alone proves no tort"],["Standardized broad consumer practice","NCPA/AG/UDTPA/FDCPA class route","Public impact, statutory actor, repeated conduct, injury or future harm","Private/public relief","One private dispute may fail public-interest requirement"],["Regulator complaint","Board or AG","Jurisdiction and complaint sufficiency","Investigation, discipline, mediation, public action","Complaint itself is not judgment, damages award, or stay"]]},{"headers":["Authority","Legal basis","Available action","Monetary unit or ceiling","Material qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Authority","Legal basis","Available action","Monetary unit or ceiling","Material qualification"],["Collection Agency Licensing Board","§§45-603–45-619; Title 433","Investigate, subpoena, examine, deny, suspend, revoke, require records","No reviewed general administrative civil penalty","Complaint and hearing are administrative, not private damages"],["County attorney or prosecutor","§45-601","Prosecute unlicensed operation","Class III misdemeanor per day","Knowledge and willfulness required"],["Attorney General under NCPA","§§59-1608–59-1614","Investigate, seek injunction, restoration, assurance, civil penalty","Up to $2,000 per §59-1602 violation; specified $500,000 branch","Court imposes relief; penalty is public"],["Attorney General under UDTPA","§§87-303.02–87-303.11","Investigate, subpoena, cease and desist, freeze, enjoin, restore, seek license action","Up to $2,000 per violation","Ex parte asset restraint limited by statutory hearing process"],["Criminal prosecutor under UDTPA","§§87-303.08–87-303.09","Prosecute violation or willful order/assurance violation","Class II misdemeanor; Class IV felony for qualifying willful order violation","Classification does not equal automatic sentence"],["FTC/CFPB and listed federal agencies","15 U.S.C. §1692l","Federal administrative or civil enforcement","Separate federal statutes","Not a private Nebraska award"],["Nebraska AG consumer intake/CART","Public complaint program","Intake and voluntary dispute resolution","No adjudicated award","AG is not complainant’s private lawyer; complaint is not stay"]]},{"headers":["Cause or enforcement route","Period","Trigger or accrual","Tolling or qualification","Status"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Cause or enforcement route","Period","Trigger or accrual","Tolling or qualification","Status"],["NCPA private action","4 years","Accrual of cause","Qualifying AG action suspends specified private period during pendency","Answered generally"],["UDTPA civil action","4 years","Statutory text runs from purchase of goods or services","Application to pure later collection conduct without a clear purchase event is unresolved","Partial"],["Privacy Act intrusion","1 year","When cause arose","No universal discovery extension in statute reviewed","Answered"],["Common-law fraud","4 years","Discovery or when facts should prompt inquiry","Actual inquiry notice is fact specific","Answered generally"],["Defamation","1 year","Publication","Litigation privilege can bar qualifying judicial statements","Boundary only"],["Abuse of process","Potentially Nebraska’s residual injury-to-rights period","Improper use of process and injury","No collector-specific controlling accrual case located","Partial"],["IIED","Potentially residual injury-to-rights period","Completed tort/injury","Exact accrual and continuing-course theory held","Partial"],["Malicious prosecution","Unresolved under current statutes","Cannot accrue before bona fide favorable termination","Older one-year cases relied on former statutory text; no modern controlling period located","Unresolved"],["FDCPA private action","1 year","Date of violation","No general discovery rule under Rotkiske; equitable doctrines remain fact specific","Answered"],["Collection Act Class III misdemeanor","General misdemeanor prosecution period: 1 year 6 months","Offense date","Statute labels each day an offense; exact charging/accrual treatment remains prosecutorial and fact specific","Partial"],["UDTPA Class II misdemeanor","General misdemeanor period: 1 year 6 months","Offense date","Other statutory exceptions possible","Answered generally"],["UDTPA Class IV felony","General felony period: 3 years","Qualifying offense date","Offense-date and criminal exceptions apply","Answered generally"],["Board discipline","No universal limitations period verified here","Complaint or Board initiation","APA, laches, and rule-specific issues not comprehensively researched","Unresolved"],["Complaint, negotiation, payment proposal","No automatic tolling or stay","N/A","Actual written forbearance, arbitration clause, court order, or statute can alter obligations","Answered as negative boundary"]]},{"headers":["Decision","Facts and posture","Holding and actual outcome","Present use and limit"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Decision","Facts and posture","Holding and actual outcome","Present use and limit"],["Nelson v. Lusterstone Surfacing Co., 258 Neb. 678 (2000)","One private vehicle transaction","NCPA public-interest element failed; fraud verdict otherwise affirmed","Isolated private dispute may not support NCPA; public HTML reproduction"],["Eicher v. Mid America Financial Investment Corp., 275 Neb. 462 (2008)","Pattern of fraudulent investment conduct","Conduct intended to defraud numerous citizens satisfied public-interest requirement; judgment affirmed","Pattern/public-impact standard; official PDF"],["Wrede v. Exchange Bank of Gibbon, 247 Neb. 907 (1995)","Bank transaction regulated under banking law","NCPA regulatory exemption applied; reversed and remanded with direction to dismiss","Conduct-specific regulatory exemption; public reproduction"],["Hage v. General Service Bureau, 306 F. Supp. 2d 883 (D. Neb. 2003)","Certified consumer class alleged unauthorized fees, costs, and interest","Collection license was not blanket NCPA immunity; NCPA summary judgment denied both ways; partial FDCPA ruling only","Persuasive federal trial authority, not controlling Nebraska appellate law"],["Reinbrecht v. Walgreen Co., 16 Neb. App. 108 (2007)","Claimed deceptive conduct but no continuing likelihood of future injury","Private UDTPA gives equitable relief, not damages; summary judgment affirmed","Prospective-harm requirement"],["Gordon v. Community First State Bank, 255 Neb. 637 (1998)","Alleged misuse of legal process","Bad motive plus regular use was insufficient; dismissal affirmed","Abuse-of-process elements"],["McKinney v. Okoye, 287 Neb. 261 (2014)","Claims arising from judicial allegations","Litigation privilege barred some statement-based torts but not malicious prosecution; reversed and remanded in relevant part","Privilege is claim specific"],["Bohling v. Tecumseh Poultry LLC, 31 Neb. App. 129 (2022)","Malicious-prosecution allegations following prior litigation","Recited six elements; dismissal affirmed on claim-preclusion grounds","Elements are authoritative; alternative merits not decided"],["Syring v. Archdiocese of Omaha, 33 Neb. App. 194 (2024)","IIED allegations","High objective threshold; claim failed","Repeated annoyance is not automatically outrageous"],["Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017)","Debt buyer collected purchased defaulted debts","Buyer not within “owed another” prong; principal-purpose prong not decided","Federal debt-buyer classification only"],["Heintz v. Jenkins, 514 U.S. 291 (1995)","Attorney litigated consumer debt","Attorneys regularly collecting through litigation can be debt collectors","No categorical attorney exemption"],["Rotkiske v. Klemm, 589 U.S. 8 (2019)","FDCPA action filed more than one year after violation","One-year clock runs from violation, not general discovery","Equitable doctrines not categorically foreclosed"]]},{"headers":["Source ID","Title, issuer, full literal URL, exact read bounds","Version/status and limits"],"index":6,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+2"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-603","text":"Nebraska Legislature\n+10"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-608","text":"Nebraska Legislature\n+6"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf","text":"Nebraska Secretary of State\n+5"},{"href":"https://sos.nebraska.gov/licensing/collection-agencies","text":"Nebraska Secretary of State\n+3"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-110","text":"Nebraska Legislature\n+2"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601","text":"Nebraska Legislature\n+10"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html","text":"Justia Law"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB","text":"Nebraska.gov\n+3"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/","text":"Justia Law\n+4"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB","text":"Nebraska.gov\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-301","text":"Nebraska Legislature\n+13"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB","text":"Nebraska.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=20-201","text":"Nebraska Legislature\n+2"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-207","text":"Nebraska Legislature\n+1"},{"href":"https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html","text":"Justia Law\n+2"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB","text":"Nebraska.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB","text":"Nebraska.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB","text":"Nebraska.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code\n+5"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court of the United States"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","text":"GovInfo"},{"href":"https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf","text":"Supreme Court of the United States"},{"href":"https://ago.nebraska.gov/consumer-protection","text":"Nebraska Attorney General\n+2"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-603","text":"Nebraska Legislature\n+10"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-608","text":"Nebraska Legislature\n+6"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf","text":"Nebraska Secretary of State\n+5"}],[{"href":"https://sos.nebraska.gov/licensing/collection-agencies","text":"Nebraska Secretary of State\n+3"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-110","text":"Nebraska Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601","text":"Nebraska Legislature\n+10"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html","text":"Justia Law"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB","text":"Nebraska.gov\n+3"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/","text":"Justia Law\n+4"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB","text":"Nebraska.gov\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-301","text":"Nebraska Legislature\n+13"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB","text":"Nebraska.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=20-201","text":"Nebraska Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-207","text":"Nebraska Legislature\n+1"}],[{"href":"https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html","text":"Justia Law\n+2"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB","text":"Nebraska.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB","text":"Nebraska.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB","text":"Nebraska.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code\n+5"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court of the United States"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","text":"GovInfo"}],[{"href":"https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf","text":"Supreme Court of the United States"}],[{"href":"https://ago.nebraska.gov/consumer-protection","text":"Nebraska Attorney General\n+2"}],[]],"rows":[["Source ID","Title, issuer, full literal URL, exact read bounds","Version/status and limits"],["S_NE-P26-S001","Nebraska Collection Agency Act—scope and definitions, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-601; https://nebraskalegislature.gov/laws/statutes.php?statute=45-602; https://nebraskalegislature.gov/laws/statutes.php?statute=45-622. Complete operative HTML sections; no PDF page/index.","Current official codification freshly read October 26, 2026 PT/UTC. Actor exclusions are conditional, not cross-statute immunity. \nNebraska Legislature\n+2"],["S_NE-P26-S002","Board, application, qualification, branch, renewal, records and fees: https://nebraskalegislature.gov/laws/statutes.php?statute=45-603; ...=45-604; ...=45-605; ...=45-606; ...=45-607; ...=45-609; ...=45-610; ...=45-611; ...=45-618; ...=45-619; ...=45-620. Complete operative HTML.","Current official codification freshly read October 26, 2026. Government fees are not consumer damages or charges. \nNebraska Legislature\n+10"],["S_NE-P26-S003","Bond and discipline: https://nebraskalegislature.gov/laws/statutes.php?statute=45-608; ...=45-612; ...=45-613; ...=45-614; ...=45-615; ...=45-616; ...=45-617. Complete operative HTML.","Current official codification freshly read October 26, 2026. Bond action is conditional; appeal permits continued business. \nNebraska Legislature\n+6"],["S_NE-P26-S004","Title 433, Chapter 2—Collection Agencies, Nebraska Secretary of State. https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf; PDF indices 0–14 and 16–18 materially inspected, especially indices 7, 9, 10, 12 and 14. Index: https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents.","Current official static publication route checked October 26, 2026. No complete adoption/effective-history metadata; one fee page is stale against current statute. \nNebraska Secretary of State\n+5"],["S_NE-P26-S005","SOS collection-agency licensing, forms and roster. https://sos.nebraska.gov/licensing/collection-agencies; https://sos.nebraska.gov/licensing/collection-agencies-statutes; https://sos.nebraska.gov/licensing/collection-agency-licensing-forms; roster https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf.","Current public pages checked October 26, 2026. Roster dated July 9, 2026, with December 31, 2026 expirations; no named-provider lookup performed. \nNebraska Secretary of State\n+3"],["S_NE-P26-S006","Criminal classifications and limitation: https://nebraskalegislature.gov/laws/statutes.php?statute=28-106; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110.","Current official statutes freshly read October 26, 2026. Actual sentencing and charging units remain prosecutor/court dependent. \nNebraska Legislature\n+2"],["S_NE-P26-S007","Nebraska Consumer Protection Act: https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; ...=59-1602; ...=59-1608; ...=59-1609; ...=59-1609.01; ...=59-1610; ...=59-1611; ...=59-1612; ...=59-1613; ...=59-1614; ...=59-1617. Complete material HTML.","Current official codification freshly read October 26, 2026. Increased-award cap construction remains unresolved. \nNebraska Legislature\n+10"],["S_NE-P26-S008","Nelson v. Lusterstone Surfacing Co., 258 Neb. 678, 605 N.W.2d 136 (2000). https://law.justia.com/cases/nebraska/supreme-court/2000/576-2.html; reported opinion materially read, HTML actual-opinion reproduction, no PDF index.","Final published Nebraska Supreme Court opinion; public reproduction read October 26, 2026. \nJustia Law"],["S_NE-P26-S009","Eicher v. Mid America Financial Investment Corp., 275 Neb. 462 (2008). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed pp.463, 473–474/PDF indices 1, 11–12.","Final published Nebraska Supreme Court opinion, freshly read. \nNebraska.gov\n+3"],["S_NE-P26-S010","Wrede v. Exchange Bank of Gibbon, 247 Neb. 907, 531 N.W.2d 523 (1995). https://law.justia.com/cases/nebraska/supreme-court/1995/1018.html; reported pp.526–531, HTML actual-opinion reproduction.","Final published Nebraska Supreme Court opinion; read October 26, 2026. \nJustia Law"],["S_NE-P26-S011","Hage v. General Service Bureau, 306 F. Supp. 2d 883 (D. Neb. 2003). https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/; reported pp.884–890, HTML actual-opinion reproduction.","Published federal district-court opinion; persuasive only. NCPA and FDCPA rulings limited to actual posture. \nJustia Law\n+4"],["S_NE-P26-S012","O’Brien v. Cessna Aircraft Co., 298 Neb. 109 (2017) and Nebraska Constitution art. VII, §5. Opinion: https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00010408PUB, printed p.139/PDF index 30. Constitution: https://nebraskalegislature.gov/laws/articles.php?article=VII-5.","Final controlling authority on Nebraska punitive-damages prohibition; freshly read. \nNebraska.gov\n+1"],["S_NE-P26-S013","Nebraska Uniform Deceptive Trade Practices Act: https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; ...=87-302; ...=87-303; ...=87-303.01; ...=87-303.02; ...=87-303.03; ...=87-303.04; ...=87-303.05; ...=87-303.07; ...=87-303.08; ...=87-303.09; ...=87-303.10; ...=87-303.11; ...=87-303.12; ...=87-304.","Current official pages freshly read October 26, 2026. §87-302 page also contains LB 838 provisions effective January 1, 2027; only already-operative clauses were used. \nNebraska Legislature\n+13"],["S_NE-P26-S014","Reinbrecht v. Walgreen Co., 16 Neb. App. 108, 742 N.W.2d 243 (2007). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed pp.112–114/PDF indices 4–6.","Final published Nebraska Court of Appeals opinion; freshly read. \nNebraska.gov"],["S_NE-P26-S015","Nebraska Privacy Act: https://nebraskalegislature.gov/laws/statutes.php?statute=20-201; ...=20-203; ...=20-211.","Current official codification freshly read October 26, 2026. \nNebraska Legislature\n+2"],["S_NE-P26-S016","Nebraska tort limitations: https://nebraskalegislature.gov/laws/statutes.php?statute=25-207; https://nebraskalegislature.gov/laws/statutes.php?statute=25-208.","Current official text freshly read October 26, 2026. Current malicious-prosecution period remains unresolved. \nNebraska Legislature\n+1"],["S_NE-P26-S017","Gordon v. Community First State Bank, 255 Neb. 637, 587 N.W.2d 343 (1998). https://law.justia.com/cases/nebraska/supreme-court/1998/1182-1.html; reported pp.350–353, HTML reproduction.","Final published Nebraska Supreme Court opinion. \nJustia Law\n+2"],["S_NE-P26-S018","McKinney v. Okoye, 287 Neb. 261 (2014). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00003852PUB; printed pp.880, 884, 889/PDF indices 0, 4, 9.","Final published Nebraska Supreme Court opinion; majority and later dissent distinguished. \nNebraska.gov"],["S_NE-P26-S019","Bohling v. Tecumseh Poultry LLC, 31 Neb. App. 129 (2022). https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00009424PUB; printed pp.129–139/PDF indices 0–10.","Final published Court of Appeals opinion; outcome rested on claim preclusion. \nNebraska.gov"],["S_NE-P26-S020","Syring v. Archdiocese of Omaha, 33 Neb. App. 194 (2024). https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00011220PUB; printed pp.208–210/PDF indices 13–15.","Final published Court of Appeals opinion; freshly read. \nNebraska.gov"],["S_NE-P26-S021","FDCPA operative provisions: https://uscode.house.gov/us/usc/119-124/t15/s1692a/; .../s1692e/; .../s1692f/; .../s1692k/; .../s1692l/; https://uscode.house.gov/us/usc/119-124/t15/s1692n/.","Official U.S. Code pages displaying laws through Public Law 119-124, October 15, 2026; freshly read. \nU.S. Code\n+5"],["S_NE-P26-S022","Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017). https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf; slip opinion pp.1–3/PDF indices 2–4.","Final unanimous U.S. Supreme Court opinion; freshly read. \nSupreme Court of the United States"],["S_NE-P26-S023","Heintz v. Jenkins, 514 U.S. 291 (1995). https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf; U.S. Reports pp.294–295/PDF indices 3–4.","Final unanimous U.S. Supreme Court opinion; freshly read. \nGovInfo"],["S_NE-P26-S024","Rotkiske v. Klemm, 589 U.S. 8 (2019). https://www.supremecourt.gov/opinions/19pdf/18-328_pm02.pdf; syllabus p.1/PDF0, majority discussion p.5/PDF6.","Final U.S. Supreme Court opinion; Justice Ginsburg dissented. \nSupreme Court of the United States"],["S_NE-P26-S025","Nebraska Attorney General consumer complaint and CART pages. https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team; https://ago.nebraska.gov/consumer-protection.","Current public pages checked October 26, 2026. Complaint intake is not adjudication or private representation. \nNebraska Attorney General\n+2"],["S_NE-P26-S026","Bounded public-authority searches: Nebraska appellate repository, Legislature statute search, SOS collection pages, AG consumer pages, and official federal opinion repositories.","Search-only work October 26, 2026. No controlling Nebraska appellate decision was located recognizing or rejecting a general implied debtor damages action under §§45-601–622, or fixing the current malicious-prosecution limitation. Not a complete paid citator, trial-docket, unpublished-order, or legislative-history search."]]},{"headers":["Claim ID","Precise bounded claim","Source/pinpoint","Conditions, consequence, confidence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise bounded claim","Source/pinpoint","Conditions, consequence, confidence"],["S_NE-P26-C001","Covered collection-agency activity requires a Nebraska license.","S001, §45-601","Conditional exclusions apply; high"],["S_NE-P26-C002","Third-party claim solicitation and enforcement for multiple creditors fits the collection-agency definition.","S001, §45-602(1)","Actual activity controls; high"],["S_NE-P26-C003","An own creditor using a name suggesting an independent collector can fall within the definition.","S001, §45-602(2)","Representation and name facts required; high"],["S_NE-P26-C004","Employee, attorney, debt-buyer, bank, and other exclusions are conditional and do not create cross-statute immunity.","S001, §45-602(3)","High"],["S_NE-P26-C005","The out-of-state branch permits specified communication, not blanket Nebraska operational authority.","S001, §45-601","High bounded reading"],["S_NE-P26-C006","Knowing and willful unlicensed operation is a Class III misdemeanor for each day.","S001, §45-601; S006, §28-106","Public prosecution only; high"],["S_NE-P26-C007","The Collection Agency Act contains no express general debtor damages, cancellation, dismissal, or judgment-voidness remedy.","S001–S003","Bounded textual finding; implied-action question remains held"],["S_NE-P26-C008","Bond recovery is available only to a person satisfying accounting, payment, or agreement predicates and is capped by the bond.","S003, §45-608","High"],["S_NE-P26-C009","The Board can investigate, subpoena, suspend, and revoke.","S002–S004","Administrative route; high"],["S_NE-P26-C010","A licensee can continue business during the APA appeal.","S003, §45-617","No automatic complaint stay; high"],["S_NE-P26-C011","Title 433’s FDCPA reference does not expressly create a Nebraska private FDCPA cause.","S004, PDF index 10","High bounded conclusion"],["S_NE-P26-C012","Rule-based record and termination duties can support discipline but do not automatically pay damages to the debtor.","S004, PDF indices 7 and 9","High"],["S_NE-P26-C013","NCPA prohibits unfair or deceptive acts in trade or commerce.","S007, §59-1602","High"],["S_NE-P26-C014","Private NCPA liability requires public-interest impact.","S008–S011","Isolated private dispute may fail; high"],["S_NE-P26-C015","Private NCPA standing requires injury to business or property and causation.","S007, §59-1609","Emotional distress alone may not suffice; high"],["S_NE-P26-C016","NCPA private relief includes actual damages, injunction, costs, and reasonable attorney fees.","S007, §59-1609","Successful claimant and court-determined amount required; high"],["S_NE-P26-C017","The §59-1609 $1,000 increased-award wording cannot be treated as an automatic extra $1,000.","S007","Cap construction unresolved; high hold"],["S_NE-P26-C018","Nebraska punitive damages are unavailable.","S012","High"],["S_NE-P26-C019","NCPA’s regulatory exemption is conduct specific rather than automatic from a license label.","S010–S011","Exact regulator and conduct required; high"],["S_NE-P26-C020","AG can obtain NCPA injunction, restoration, assurances, and public civil penalties.","S007, §§59-1608–1614","Court action and statutory predicates required; high"],["S_NE-P26-C021","NCPA private period is four years after accrual, with specified suspension during qualifying AG action.","S007, §59-1612","Exact accrual fact dependent; high"],["S_NE-P26-C022","UDTPA private relief requires likely future damage and is equitable.","S013, §87-303; S014","High"],["S_NE-P26-C023","UDTPA does not provide private damages.","S013–S014","High"],["S_NE-P26-C024","UDTPA costs and attorney fees have separate statutory conditions and are not universally automatic.","S013, §87-303","High"],["S_NE-P26-C025","Section 87-303.07 unenforceability applies to a sale or lease induced by the violation, not every preexisting debt.","S013, §87-303.07","High"],["S_NE-P26-C026","AG UDTPA remedies include investigation, restraint, cease and desist, injunction, restoration, license relief, and up to $2,000 per violation.","S013","High"],["S_NE-P26-C027","UDTPA violation is Class II misdemeanor; willful order/assurance violation is Class IV felony.","S013; S006","Actual offense and sentence held; high"],["S_NE-P26-C028","UDTPA territorial and compliance exceptions are conduct specific.","S013, §87-304","High"],["S_NE-P26-C029","UDTPA four-year text runs from purchase date; pure later collection-conduct application is unresolved.","S013, §87-303.10","Partial"],["S_NE-P26-C030","Failure to send §87-303.12 materials is not a dismissal ground.","S013, §87-303.12","Later AG action remains possible; high"],["S_NE-P26-C031","Fraud requires false representation, knowledge/recklessness, intent, reasonable reliance, and damage.","S009","High"],["S_NE-P26-C032","Intrusion requires intentional highly offensive interference with private affairs; limitation is one year.","S015","Natural-person claimant; high"],["S_NE-P26-C033","Abuse of process requires ulterior purpose, improper use of judicial process, and damage; bad intent alone is insufficient.","S017","High"],["S_NE-P26-C034","Malicious prosecution requires favorable termination, no probable cause, malice, and damages among six elements.","S019","High"],["S_NE-P26-C035","Judicial-proceeding privilege can bar statement-based privacy or defamation claims but not malicious prosecution.","S018","High"],["S_NE-P26-C036","IIED requires intentional/reckless extreme and outrageous conduct causing severe distress.","S020","High"],["S_NE-P26-C037","An invalid or quashed writ does not automatically establish every tort.","S017–S020","Route-specific elements remain; high bounded conclusion"],["S_NE-P26-C038","Fraud falls under a four-year discovery/inquiry-notice rule.","S016, §25-207","High generally"],["S_NE-P26-C039","Abuse-of-process and IIED limitation classification and accrual remain fact specific under current law.","S016","Partial"],["S_NE-P26-C040","The current malicious-prosecution limitation was not resolved by controlling modern authority located here.","S016, S026","Unresolved"],["S_NE-P26-C041","FDCPA applies only to a covered debt collector and personal/family/household debt.","S021, §1692a","High"],["S_NE-P26-C042","Own creditor is generally outside ordinary FDCPA coverage, subject to different-name and other branches.","S021","High"],["S_NE-P26-C043","Henson resolves only the “owed another” prong for debt buyers and leaves principal-purpose coverage open.","S022","High"],["S_NE-P26-C044","Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors.","S023","High"],["S_NE-P26-C045","Individual FDCPA additional damages are up to $1,000 per action, with separate actual damages and class ceiling.","S021, §1692k","High"],["S_NE-P26-C046","FDCPA limitation is one year from violation, not a general discovery date.","S021; S024","Equitable doctrines fact specific; high"],["S_NE-P26-C047","More protective consistent state remedies are not displaced merely because FDCPA also applies.","S021, §1692n","High"],["S_NE-P26-C048","No collector-specific universal election or duplicate-damages rule was located; overlapping actual-loss allocation remains case specific.","S026","Unresolved/partial"],["S_NE-P26-C049","Regulator complaint or negotiation does not automatically stay litigation or toll a claim.","S003, S025","Actual agreement/order/statute required; high boundary"],["S_NE-P26-C050","AG complaint intake is not adjudication, private representation, or an automatic remedy.","S025","High"],["S_NE-P26-C051","Actor classification must be performed independently under each statute.","S001, S013, S021–S023","High synthesis"],["S_NE-P26-C052","FDCPA’s consumer-debt limitation does not automatically limit Nebraska Collection Agency Act coverage to consumer debt.","S001, S021","High"]]},{"headers":["Assigned issue","Status","Linked claims","Exact remaining evidence or next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Linked claims","Exact remaining evidence or next action"],["Collection-agency licensing scope","Answered generally","C001–C005","Actual entity, activity, name, creditor count, nexus"],["Original-creditor exclusion","Answered conditionally","C003–C004, C042","Actual name and collection structure"],["Debt-buyer exclusion","Answered for state licensing; federal branch partial","C004, C043","Principal-purpose and business facts"],["Attorney exclusion","Answered conditionally","C004, C044","Firm structure, name, regular collection activity"],["Servicer/affiliate classification","Partial","C051","Ownership, principal, contracts, account timing"],["Out-of-state collector","Partial","C005","Residence, other-state regulation, Nebraska activity"],["Commercial debt","Answered as boundary","C052","Actual transaction purpose"],["Express Collection Act private damages","No express route found","C007","Controlling implied-action authority"],["Implied debtor cause under Collection Act","Unresolved","C007, S026","Controlling Nebraska appellate decision or legislative history"],["Bond action","Answered conditionally","C008","Bond, claimant, agreement, accounting, aggregate claims"],["Board investigation and discipline","Answered","C009–C012","Actual complaint, hearing, current rule application"],["Board complaint standing discrepancy","Partial","C009","Board interpretation of statute/rule difference"],["Collection Act criminal route","Answered","C006","Proof of knowledge, willfulness, days, timeliness"],["Debt cancellation from licensing violation","Not supported","C007","Separate contract or statutory authority"],["NCPA conduct route","Answered","C013–C021","Actual public impact, injury, causation, exemption"],["NCPA public interest","Answered generally","C014","Reach and repetition evidence"],["NCPA injury and damages","Answered generally","C015–C017","Payments, property loss, causation"],["NCPA increased award","Unresolved cap construction","C017","Controlling interpretation"],["Punitive damages","Answered as unavailable","C018","None"],["Regulatory exemption","Answered as conduct specific","C019","Exact regulator and challenged act"],["NCPA AG remedies","Answered","C020","Actual investigation and court findings"],["UDTPA private route","Answered","C022–C025","Future likely harm and transaction facts"],["UDTPA damages","Answered as unavailable privately","C023","None"],["UDTPA public enforcement","Answered","C026–C030","Actual violation, unit, order, territory"],["§87-303.01 unconscionable transaction","Partial","S013","Supplier/consumer-transaction fit to collection conduct"],["UDTPA purchase-date limitation for later collection","Unresolved","C029","Controlling state interpretation"],["Fraud","Answered","C031, C038","Representation, knowledge, reliance, damage"],["Privacy/intrusion","Answered generally","C032","Contact content, setting, intent, offensiveness"],["Abuse of process","Answered","C033","Judicial process and improper postissuance act"],["Malicious prosecution","Elements answered; period unresolved","C034, C040","Favorable termination, probable cause, current limitation"],["Litigation privilege","Answered generally","C035","Statement, proceeding, relation to litigation"],["IIED","Answered generally","C036, C039","Extreme conduct and severe distress"],["Wrongful garnishment/execution","Answered as no automatic omnibus tort","C037","Exact process, ownership, intent, injury, termination"],["FDCPA actor/debt gateway","Answered generally","C041–C044","Actual business and debt purpose"],["FDCPA private remedies","Answered","C045","Actual damages and statutory factors"],["FDCPA limitation","Answered","C046","Exact violation date and equitable facts"],["State/federal coexistence","Answered generally","C047–C048","Injury allocation and judgment"],["Duplicate actual recovery","Unresolved case specifically","C048","Pleadings, verdict, remedial overlap"],["AG/Board complaint effect","Answered as no automatic stay/adjudication","C049–C050","Actual agreement or order"],["Criminal prosecution periods","Answered generally","Limitations table","Offense date, unit, statutory exception"],["Board discipline limitation","Unresolved","—","Current APA/rule interpretation"],["Appeal and exhaustion","Partial","C010","Actual administrative order and APA route"],["Arbitration/venue","Excluded except boundary","—","Actual agreement and separate arbitration pass"],["Secured, medical, tax, support, education, bankruptcy","Excluded","—","Separate sector research"],["Local, tribal, foreign-country rules","Excluded","—","Separate jurisdictional research"],["Named collector or claimant outcome","Not performed","—","Private records prohibited and unavailable"],["Nebraska/component/parent/A066 acceptance","Not granted","—","Remaining assignments and coordinator review"]]}],"claims":[{"claim_id":"S_NE-P26-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C001","Precise bounded claim":"Covered collection-agency activity requires a Nebraska license.","Source/pinpoint":"S001, §45-601","Conditions, consequence, confidence":"Conditional exclusions apply; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C002","Precise bounded claim":"Third-party claim solicitation and enforcement for multiple creditors fits the collection-agency definition.","Source/pinpoint":"S001, §45-602(1)","Conditions, consequence, confidence":"Actual activity controls; high"},"coordinator_verification_status":"basic_rule_supported_statutory_subparagraph_repair_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.602(2)(a)/(2)(b)respectively.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C003","Precise bounded claim":"An own creditor using a name suggesting an independent collector can fall within the definition.","Source/pinpoint":"S001, §45-602(2)","Conditions, consequence, confidence":"Representation and name facts required; high"},"coordinator_verification_status":"basic_rule_supported_statutory_subparagraph_repair_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.602(2)(a)/(2)(b)respectively.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C004","Precise bounded claim":"Employee, attorney, debt-buyer, bank, and other exclusions are conditional and do not create cross-statute immunity.","Source/pinpoint":"S001, §45-602(3)","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C005","Precise bounded claim":"The out-of-state branch permits specified communication, not blanket Nebraska operational authority.","Source/pinpoint":"S001, §45-601","Conditions, consequence, confidence":"High bounded reading"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C006","Precise bounded claim":"Knowing and willful unlicensed operation is a Class III misdemeanor for each day.","Source/pinpoint":"S001, §45-601; S006, §28-106","Conditions, consequence, confidence":"Public prosecution only; high"},"coordinator_verification_status":"mental_element_unverified_from_cited_body_requires_authority_or_hold","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.601doesnotexpressknowing/willful;noautomaticstrictliabilityorcriminalsentenceinferred.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C007","Precise bounded claim":"The Collection Agency Act contains no express general debtor damages, cancellation, dismissal, or judgment-voidness remedy.","Source/pinpoint":"S001–S003","Conditions, consequence, confidence":"Bounded textual finding; implied-action question remains held"},"coordinator_verification_status":"bounded_negative_or_explicit_unresolved_provenance_hold_retained","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C008","Precise bounded claim":"Bond recovery is available only to a person satisfying accounting, payment, or agreement predicates and is capped by the bond.","Source/pinpoint":"S003, §45-608","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.45daymonthcloseaccount/remittanceclockandaggregateallclaimantsbondlimitmustbevisible.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C009","Precise bounded claim":"The Board can investigate, subpoena, suspend, and revoke.","Source/pinpoint":"S002–S004","Conditions, consequence, confidence":"Administrative route; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C010","Precise bounded claim":"A licensee can continue business during the APA appeal.","Source/pinpoint":"S003, §45-617","Conditions, consequence, confidence":"No automatic complaint stay; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.Correct617continuedbusiness;616APAappealonly.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C011","Precise bounded claim":"Title 433’s FDCPA reference does not expressly create a Nebraska private FDCPA cause.","Source/pinpoint":"S004, PDF index 10","Conditions, consequence, confidence":"High bounded conclusion"},"coordinator_verification_status":"researcher_rule_reading_not_freshly_coordinator_replicated_source_access_held","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C012","Precise bounded claim":"Rule-based record and termination duties can support discipline but do not automatically pay damages to the debtor.","Source/pinpoint":"S004, PDF indices 7 and 9","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"researcher_rule_reading_not_freshly_coordinator_replicated_source_access_held","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C013","Precise bounded claim":"NCPA prohibits unfair or deceptive acts in trade or commerce.","Source/pinpoint":"S007, §59-1602","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C014","Precise bounded claim":"Private NCPA liability requires public-interest impact.","Source/pinpoint":"S008–S011","Conditions, consequence, confidence":"Isolated private dispute may fail; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C015","Precise bounded claim":"Private NCPA standing requires injury to business or property and causation.","Source/pinpoint":"S007, §59-1609","Conditions, consequence, confidence":"Emotional distress alone may not suffice; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C016","Precise bounded claim":"NCPA private relief includes actual damages, injunction, costs, and reasonable attorney fees.","Source/pinpoint":"S007, §59-1609","Conditions, consequence, confidence":"Successful claimant and court-determined amount required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C017","Precise bounded claim":"The §59-1609 $1,000 increased-award wording cannot be treated as an automatic extra $1,000.","Source/pinpoint":"S007","Conditions, consequence, confidence":"Cap construction unresolved; high hold"},"coordinator_verification_status":"bounded_negative_or_explicit_unresolved_provenance_hold_retained","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C018","Precise bounded claim":"Nebraska punitive damages are unavailable.","Source/pinpoint":"S012","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_when_Nebraska_substantive_law_applies","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.Nooverrideoffederalstatutoryremediesorautomaticchoiceoflaw.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C019","Precise bounded claim":"NCPA’s regulatory exemption is conduct specific rather than automatic from a license label.","Source/pinpoint":"S010–S011","Conditions, consequence, confidence":"Exact regulator and conduct required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.1617(2)expressinsurance1602/funeral/agriculture/loanbrokerexceptionsmustaccompanygeneralexemption.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C020","Precise bounded claim":"AG can obtain NCPA injunction, restoration, assurances, and public civil penalties.","Source/pinpoint":"S007, §§59-1608–1614","Conditions, consequence, confidence":"Court action and statutory predicates required; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.1614penaltylocatornot1608alone.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C021","Precise bounded claim":"NCPA private period is four years after accrual, with specified suspension during qualifying AG action.","Source/pinpoint":"S007, §59-1612","Conditions, consequence, confidence":"Exact accrual fact dependent; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.1612linkedmatter/pendencyandexcludedAGinjunctionpenaltyandAG1609actions.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C022","Precise bounded claim":"UDTPA private relief requires likely future damage and is equitable.","Source/pinpoint":"S013, §87-303; S014","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C023","Precise bounded claim":"UDTPA does not provide private damages.","Source/pinpoint":"S013–S014","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C024","Precise bounded claim":"UDTPA costs and attorney fees have separate statutory conditions and are not universally automatic.","Source/pinpoint":"S013, §87-303","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C025","Precise bounded claim":"Section 87-303.07 unenforceability applies to a sale or lease induced by the violation, not every preexisting debt.","Source/pinpoint":"S013, §87-303.07","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C026","Precise bounded claim":"AG UDTPA remedies include investigation, restraint, cease and desist, injunction, restoration, license relief, and up to $2,000 per violation.","Source/pinpoint":"S013","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.303.02initial14dayfreeze/notice/hearing;courtlicense-reliefenforcementpredicates.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C027","Precise bounded claim":"UDTPA violation is Class II misdemeanor; willful order/assurance violation is Class IV felony.","Source/pinpoint":"S013; S006","Conditions, consequence, confidence":"Actual offense and sentence held; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C028","Precise bounded claim":"UDTPA territorial and compliance exceptions are conduct specific.","Source/pinpoint":"S013, §87-304","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C029","Precise bounded claim":"UDTPA four-year text runs from purchase date; pure later collection-conduct application is unresolved.","Source/pinpoint":"S013, §87-303.10","Conditions, consequence, confidence":"Partial"},"coordinator_verification_status":"bounded_negative_or_explicit_unresolved_provenance_hold_retained","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C030","Precise bounded claim":"Failure to send §87-303.12 materials is not a dismissal ground.","Source/pinpoint":"S013, §87-303.12","Conditions, consequence, confidence":"Later AG action remains possible; high"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.303.12actual7dayclocks/certifiedfirstmail/subsequentregularandfailuremayleadAGvacate-or-modifyaction.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C031","Precise bounded claim":"Fraud requires false representation, knowledge/recklessness, intent, reasonable reliance, and damage.","Source/pinpoint":"S009","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C032","Precise bounded claim":"Intrusion requires intentional highly offensive interference with private affairs; limitation is one year.","Source/pinpoint":"S015","Conditions, consequence, confidence":"Natural-person claimant; high"},"coordinator_verification_status":"statutory_rule_supported_intent_damages_construction_bounds_and_206_210_guardrails_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.203annotationnotactualWhipps/Sabrinacoordinatoropinionread.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C033","Precise bounded claim":"Abuse of process requires ulterior purpose, improper use of judicial process, and damage; bad intent alone is insufficient.","Source/pinpoint":"S017","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.Gordonactualadministrativeorders/incompleteappellatejurisdictionposture;donottransposeallclaimsoutcome.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C034","Precise bounded claim":"Malicious prosecution requires favorable termination, no probable cause, malice, and damages among six elements.","Source/pinpoint":"S019","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"substantive_core_supported_case_identity_and_holding_precision_correction_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.S0182011linkedMcKinneyonlymaliciousappeal;S019314Neb129(2023)SupremeCourt;S020317Neb195(2024)SupremeCourt.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C035","Precise bounded claim":"Judicial-proceeding privilege can bar statement-based privacy or defamation claims but not malicious prosecution.","Source/pinpoint":"S018","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"substantive_core_supported_case_identity_and_holding_precision_correction_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.S0182011linkedMcKinneyonlymaliciousappeal;S019314Neb129(2023)SupremeCourt;S020317Neb195(2024)SupremeCourt.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C036","Precise bounded claim":"IIED requires intentional/reckless extreme and outrageous conduct causing severe distress.","Source/pinpoint":"S020","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"substantive_core_supported_case_identity_and_holding_precision_correction_required","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.S0182011linkedMcKinneyonlymaliciousappeal;S019314Neb129(2023)SupremeCourt;S020317Neb195(2024)SupremeCourt.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C037","Precise bounded claim":"An invalid or quashed writ does not automatically establish every tort.","Source/pinpoint":"S017–S020","Conditions, consequence, confidence":"Route-specific elements remain; high bounded conclusion"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C038","Precise bounded claim":"Fraud falls under a four-year discovery/inquiry-notice rule.","Source/pinpoint":"S016, §25-207","Conditions, consequence, confidence":"High generally"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C039","Precise bounded claim":"Abuse-of-process and IIED limitation classification and accrual remain fact specific under current law.","Source/pinpoint":"S016","Conditions, consequence, confidence":"Partial"},"coordinator_verification_status":"bounded_negative_or_explicit_unresolved_provenance_hold_retained","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C040","Precise bounded claim":"The current malicious-prosecution limitation was not resolved by controlling modern authority located here.","Source/pinpoint":"S016, S026","Conditions, consequence, confidence":"Unresolved"},"coordinator_verification_status":"bounded_negative_or_explicit_unresolved_provenance_hold_retained","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C041","Precise bounded claim":"FDCPA applies only to a covered debt collector and personal/family/household debt.","Source/pinpoint":"S021, §1692a","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C042","Precise bounded claim":"Own creditor is generally outside ordinary FDCPA coverage, subject to different-name and other branches.","Source/pinpoint":"S021","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C043","Precise bounded claim":"Henson resolves only the “owed another” prong for debt buyers and leaves principal-purpose coverage open.","Source/pinpoint":"S022","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C044","Precise bounded claim":"Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors.","Source/pinpoint":"S023","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C045","Precise bounded claim":"Individual FDCPA additional damages are up to $1,000 per action, with separate actual damages and class ceiling.","Source/pinpoint":"S021, §1692k","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar 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boundary"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C050","Precise bounded claim":"AG complaint intake is not adjudication, private representation, or an automatic remedy.","Source/pinpoint":"S025","Conditions, consequence, confidence":"High"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C051","Precise bounded claim":"Actor classification must be performed independently under each statute.","Source/pinpoint":"S001, S013, S021–S023","Conditions, consequence, confidence":"High synthesis"},"coordinator_verification_status":"supported_with_original_predicates_and_recorded_limits","coordinator_limits":"Noactualactor/claim/contract/account/injury/notice/order/complaint/license/bond/priority/calendar established;source/currentness/local/tribal/country/sectorholdsremain.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P26-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P26-C052","Precise bounded claim":"FDCPA’s consumer-debt limitation does not automatically limit Nebraska Collection Agency Act coverage to consumer 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reference]"},{"topic":"Servicer/affiliate classification","researcher_record":{"Assigned issue":"Servicer/affiliate classification","Status":"Partial","Linked claims":"C051","Exact remaining evidence or next action":"Ownership, principal, contracts, account timing"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Out-of-state collector","researcher_record":{"Assigned issue":"Out-of-state collector","Status":"Partial","Linked claims":"C005","Exact remaining evidence or next action":"Residence, other-state regulation, Nebraska activity"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Commercial debt","researcher_record":{"Assigned issue":"Commercial debt","Status":"Answered as boundary","Linked claims":"C052","Exact remaining evidence or next action":"Actual transaction purpose"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Express Collection Act private damages","researcher_record":{"Assigned issue":"Express Collection Act private damages","Status":"No express route found","Linked claims":"C007","Exact remaining evidence or next action":"Controlling implied-action authority"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Implied debtor cause under Collection Act","researcher_record":{"Assigned issue":"Implied debtor cause under Collection Act","Status":"Unresolved","Linked claims":"C007, S026","Exact remaining evidence or next action":"Controlling Nebraska appellate decision or legislative history"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bond action","researcher_record":{"Assigned issue":"Bond action","Status":"Answered conditionally","Linked claims":"C008","Exact remaining evidence or next action":"Bond, claimant, agreement, accounting, aggregate claims"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Board investigation and discipline","researcher_record":{"Assigned issue":"Board investigation and discipline","Status":"Answered","Linked claims":"C009–C012","Exact remaining evidence or next action":"Actual complaint, hearing, current rule application"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Board complaint standing discrepancy","researcher_record":{"Assigned issue":"Board complaint standing discrepancy","Status":"Partial","Linked claims":"C009","Exact remaining evidence or next action":"Board interpretation of statute/rule difference"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Collection Act criminal route","researcher_record":{"Assigned issue":"Collection Act criminal route","Status":"Answered","Linked claims":"C006","Exact remaining evidence or next action":"Proof of knowledge, willfulness, days, timeliness"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Debt cancellation from licensing violation","researcher_record":{"Assigned issue":"Debt cancellation from licensing violation","Status":"Not supported","Linked claims":"C007","Exact remaining evidence or next action":"Separate contract or statutory authority"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA conduct route","researcher_record":{"Assigned issue":"NCPA conduct route","Status":"Answered","Linked claims":"C013–C021","Exact remaining evidence or next action":"Actual public impact, injury, causation, exemption"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA public interest","researcher_record":{"Assigned issue":"NCPA public interest","Status":"Answered generally","Linked claims":"C014","Exact remaining evidence or next action":"Reach and repetition evidence"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA injury and damages","researcher_record":{"Assigned issue":"NCPA injury and damages","Status":"Answered generally","Linked claims":"C015–C017","Exact remaining evidence or next action":"Payments, property loss, causation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA increased award","researcher_record":{"Assigned issue":"NCPA increased award","Status":"Unresolved cap construction","Linked claims":"C017","Exact remaining evidence or next action":"Controlling interpretation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Punitive damages","researcher_record":{"Assigned issue":"Punitive damages","Status":"Answered as unavailable","Linked claims":"C018","Exact remaining evidence or next action":"None"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Regulatory exemption","researcher_record":{"Assigned issue":"Regulatory exemption","Status":"Answered as conduct specific","Linked claims":"C019","Exact remaining evidence or next action":"Exact regulator and challenged act"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA AG remedies","researcher_record":{"Assigned issue":"NCPA AG remedies","Status":"Answered","Linked claims":"C020","Exact remaining evidence or next action":"Actual investigation and court findings"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA private route","researcher_record":{"Assigned issue":"UDTPA private route","Status":"Answered","Linked claims":"C022–C025","Exact remaining evidence or next action":"Future likely harm and transaction facts"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA damages","researcher_record":{"Assigned issue":"UDTPA damages","Status":"Answered as unavailable privately","Linked claims":"C023","Exact remaining evidence or next action":"None"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA public enforcement","researcher_record":{"Assigned issue":"UDTPA public enforcement","Status":"Answered","Linked claims":"C026–C030","Exact remaining evidence or next action":"Actual violation, unit, order, territory"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"§87-303.01 unconscionable transaction","researcher_record":{"Assigned issue":"§87-303.01 unconscionable transaction","Status":"Partial","Linked claims":"S013","Exact remaining evidence or next action":"Supplier/consumer-transaction fit to collection conduct"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA purchase-date limitation for later collection","researcher_record":{"Assigned issue":"UDTPA purchase-date limitation for later collection","Status":"Unresolved","Linked claims":"C029","Exact remaining evidence or next action":"Controlling state interpretation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Fraud","researcher_record":{"Assigned issue":"Fraud","Status":"Answered","Linked claims":"C031, C038","Exact remaining evidence or next action":"Representation, knowledge, reliance, damage"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Privacy/intrusion","researcher_record":{"Assigned issue":"Privacy/intrusion","Status":"Answered generally","Linked claims":"C032","Exact remaining evidence or next action":"Contact content, setting, intent, offensiveness"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Abuse of process","researcher_record":{"Assigned issue":"Abuse of process","Status":"Answered","Linked claims":"C033","Exact remaining evidence or next action":"Judicial process and improper postissuance act"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Malicious prosecution","researcher_record":{"Assigned issue":"Malicious prosecution","Status":"Elements answered; period unresolved","Linked claims":"C034, C040","Exact remaining evidence or next action":"Favorable termination, probable cause, current limitation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Litigation privilege","researcher_record":{"Assigned issue":"Litigation privilege","Status":"Answered generally","Linked claims":"C035","Exact remaining evidence or next action":"Statement, proceeding, relation to litigation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"IIED","researcher_record":{"Assigned issue":"IIED","Status":"Answered generally","Linked claims":"C036, C039","Exact remaining evidence or next action":"Extreme conduct and severe distress"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Wrongful garnishment/execution","researcher_record":{"Assigned issue":"Wrongful garnishment/execution","Status":"Answered as no automatic omnibus tort","Linked claims":"C037","Exact remaining evidence or next action":"Exact process, ownership, intent, injury, termination"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"FDCPA actor/debt gateway","researcher_record":{"Assigned issue":"FDCPA actor/debt gateway","Status":"Answered generally","Linked claims":"C041–C044","Exact remaining evidence or next action":"Actual business and debt purpose"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"FDCPA private remedies","researcher_record":{"Assigned issue":"FDCPA private remedies","Status":"Answered","Linked claims":"C045","Exact remaining evidence or next action":"Actual damages and statutory factors"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"FDCPA limitation","researcher_record":{"Assigned issue":"FDCPA limitation","Status":"Answered","Linked claims":"C046","Exact remaining evidence or next action":"Exact violation date and equitable facts"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"State/federal coexistence","researcher_record":{"Assigned issue":"State/federal coexistence","Status":"Answered generally","Linked claims":"C047–C048","Exact remaining evidence or next action":"Injury allocation and judgment"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Duplicate actual recovery","researcher_record":{"Assigned issue":"Duplicate actual recovery","Status":"Unresolved case specifically","Linked claims":"C048","Exact remaining evidence or next action":"Pleadings, verdict, remedial overlap"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"AG/Board complaint effect","researcher_record":{"Assigned issue":"AG/Board complaint effect","Status":"Answered as no automatic stay/adjudication","Linked claims":"C049–C050","Exact remaining evidence or next action":"Actual agreement or order"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Criminal prosecution periods","researcher_record":{"Assigned issue":"Criminal prosecution periods","Status":"Answered generally","Linked claims":"Limitations table","Exact remaining evidence or next action":"Offense date, unit, statutory exception"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Board discipline limitation","researcher_record":{"Assigned issue":"Board discipline limitation","Status":"Unresolved","Linked claims":"—","Exact remaining evidence or next action":"Current APA/rule interpretation"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Appeal and exhaustion","researcher_record":{"Assigned issue":"Appeal and exhaustion","Status":"Partial","Linked claims":"C010","Exact remaining evidence or next action":"Actual administrative order and APA route"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Arbitration/venue","researcher_record":{"Assigned issue":"Arbitration/venue","Status":"Excluded except boundary","Linked claims":"—","Exact remaining evidence or next action":"Actual agreement and separate arbitration pass"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Secured, medical, tax, support, education, bankruptcy","researcher_record":{"Assigned issue":"Secured, medical, tax, support, education, bankruptcy","Status":"Excluded","Linked claims":"—","Exact remaining evidence or next action":"Separate sector research"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Local, tribal, foreign-country rules","researcher_record":{"Assigned issue":"Local, tribal, foreign-country rules","Status":"Excluded","Linked claims":"—","Exact remaining evidence or next action":"Separate jurisdictional research"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Named collector or claimant outcome","researcher_record":{"Assigned issue":"Named collector or claimant outcome","Status":"Not performed","Linked claims":"—","Exact remaining evidence or next action":"Private records prohibited and unavailable"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Nebraska/component/parent/A066 acceptance","researcher_record":{"Assigned issue":"Nebraska/component/parent/A066 acceptance","Status":"Not granted","Linked claims":"—","Exact remaining evidence or next action":"Remaining assignments and coordinator review"},"coordinator_acceptance":"scoped_review_complete_four_bounded_groups_required_original_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}