Sondra Jurica – LTD Financial Services

Navigating technology to help consumers tackle debt

Since cell phones became widely available in the U.S. in the 1990s, they’ve been a form of convenience for many. For debt collection companies like LTD Financial Services, however, the mobile devices have complicated matters.

Take the Fair Debt Collections Practices Act. Enacted in March 1978, it stipulates that debt collection calls must be made between 8 a.m. and 9 p.m. While that may sound reasonable, just consider the following circumstance, says Sondra Jurica, the general counsel and chief compliance office for LTD Financial Services since September 2016.

Sondra Jurica | General Counsel and Chief Compliance Officer | LTD Financial Services

Sondra Jurica | General Counsel and Chief Compliance Officer | LTD Financial Services

As happens, someone buys and registers a cell phone in Los Angeles—Pacific time zone—but then moves to New York—Eastern time zone—without changing the phone number. Without a new area code, it’s difficult to know when LTD can call the person without violating FDCPA regulations.

“There’s no real solution to this,” Jurica explains, “so I assisted in book-ending time in which LTD makes these calls.”

Now, when a consumer’s phone rings, the call falls between the FDCPA stipulated margins for every potential time zone in which an LTD consumer may be located. She also considers certain states that have their specific time restrictions. Yet, other complications have arisen with the advent and prolific use of cell phones.

Trainings, texting and technology tribulations

Take texting. A new regulation went into effect on November 30, 2021. It restricts the number of times a company like LTD can call its consumer in a seven-day period—but not how many times it can text.

Texting is an advantage because LTD doesn’t have to hire employees to work earlier or later to cover all time zones. Yet, Jurica says that it’s risky diving into a newly regulated area in which many rules are still nebulous. On top of that, texts fall into the category of written notices if someone prints them out; that means texting could lead to more litigation, Jurica says.

Sondra Jurica | General Counsel and Chief Compliance Officer | LTD Financial Services

“Phone calls don’t usually lead to litigation, but letters have a much greater potential to become class action lawsuits,” she explains. “We’re in the process of discussing and considering the implementation of artificial intelligence to create a virtual agent—which gives me heartburn, because it’s so easy for someone to misconstrue what’s being typed versus having a conversation on the phone.”

Recently, she attended virtual trainings and listened to webinars about text messaging. She also discovered that cell phone and internet service providers were blocking text messages from debt collectors yet sending their own debt collection messages when clients were late paying internet and cellular bills—a major contradiction.

“We often get painted as the bad guys, but we’re truly helping consumers and the nation’s economy,” Jurica says. “In the big scheme of things, we are facilitating financing because if debts get paid off then a consumer’s rates go up and banks don’t turn them away for mortgages and car loans.”

Envelopes and languages

To make matters even more complicated, LTD operates in all 50 states, each with addendums and additions to the FDCA regulations.

The California Privacy Rights Act, for example, permits consumers to prevent businesses from sharing personal information. It also enables them to correct inaccurate personal information and limit the use of their personal information, such as birthdays, geolocation and much more.

Jurica must ensure these regulations are followed in consumer language, such as through the disclosures on the LTD website, as well as in letters, texts, e-mails and even calls.

Sondra Jurica | General Counsel and Chief Compliance Officer | LTD Financial Services

Recently, she had to train all collectors on a New York law in which all debt collectors are required to ask state residents what their preferred language is. She helped LTD implement this training and include the language in all its communications, including the website.

Even when she’s not dealing with technology, matters don’t simplify much. For instance, she explains that 10 states have specific disclosures LTD needs to include in its letters, while the rest require LTD to develop its own. Sometimes, it’s unclear which disclosure to include—for example, a settlement company might be in New York while the consumer is in Kentucky.

“In such cases, I’d choose the disclosure relevant to Kentucky, because, in the end, the statues and regulations are there to protect consumers,” Jurica says. “Yes, my job is to ensure LTD’s compliance, but it’s also to protect and help consumers.”

Success is not a straight path

Jurica knew she wanted to be lawyer when the school librarian said she hadn’t returned a book in the second grade. She was effective at arguing against the fine that when her father called the librarian to discuss the matter, the librarian said Jurica had already taken care of it.

“I loved to argue a good case,” Jurica says. “I never wanted to go into litigation, but I like law in general because it reminds me of geometry proofs, which I love.”

Sondra Jurica | General Counsel and Chief Compliance Officer | LTD Financial Services

Geometry proofs, she explains, provide a set of facts and an outcome, requiring a person to apply the same confidence and research needed to win legal cases.

Still, undergraduate academic life didn’t suit her. Bored in her first semester, she dropped out to work as a waitress for six months. She returned, though, graduating from the University of Houston with a degree in marketing.

Reflecting now, she says the problem was she wasn’t pursuing her passion. That changed in law school, with her graduating fifth in her class from Creighton University magna cum laude. She became the first on her father’s side to graduate high school and the first on her mother’s side to graduate college.

“If I could make a living going to law school, I would, but I love what I do now too,” says Jurica.

View this feature in the Vanguard Summer I 2022 Edition here.

Published on: June 13, 2022


categories: ,

Showcase your feature on your website with a custom “As Featured in Vanguard” badge that links directly to your article!

Copy and paste this script into your page coding (ideally right before the closing tag) where you want to display our review banner.


It was a great honor to be featured in Vanguard Law. Working with every member of the team, from the initial interview with Erin Clark, through production with Victor Martins, writing the article with Taryn Plumb and creating the final content with Dave Gushee, was a true pleasure. Everyone was very professional, enthusiastic and supportive, and their creative approach and positive attitude clearly came through in the final product.
– Kevin C. Rakowski, Senior Vice President, Deputy General Counsel, Compliance with Radian Group Inc.
I was honored to be the subject of an article. I enjoy reading Vanguard articles and seeing how other attorneys got to their positions and see their jobs. It's also interesting to see how different law firms partner with the subjects of the articles.
– Henry Marquard, in-house counsel, Stanley Consultants Inc.
As promised in advance, my feature in Vanguard has increased my visibility within the profession and prompted more than a few people I have not communicated with recently to reconnect. One of the Italian law firms I have used in the past is now in the process of interviewing me for an article on their website and tweeting out the feature story. Activity and the number of people connecting with me on LinkedIn has soared, which is great. The Vanguard writers and editorial staff were great to work with—highly professional and made the effort to make the experience both fun and rewarding (they were also respectful of the time pressures and demands all lawyers face). I was very pleased with the experience and the final outcome. Needless to say, I have been very pleased. All in all working with Vanguard has been a very positive experience which generated good publicity for both Shawcor and myself. My sincere thanks.
– Tim Hutzul, General Counsel, ShawCor Ltd.
The piece highlighting my company, Bob Baker Enterprises, Inc., came out fabulous. Our company is in the new and used car sales and service industry. Everyone was great to work with and extremely professional. They produced a high-quality product and have provided expert assistance and guidance post-production of the article.
– Wade Poulson, General Counsel, Bob Baker Enterprises Inc.


Spring III 2024



  • * We’ll never share your email or info with anyone.
  • This field is for validation purposes and should be left unchanged.