Whether you’re getting one for the first time or already learning how to manage debt, credit cards can be extremely complicated. If the recession has taught Americans anything, it’s that credit companies, banks, and even department stores are not their friends, and most cards are designed to gouge you for
The purpose of the Fair Debt Collection Practices Act (FDCPA) is to stop debt collection practices that are abusive and to protect the consumer. Under the FDCPA, 15 USC Section 1692d, debt collectors cannot engage in conduct that is meant to harass, oppress, or abuse a person when attempting to
Many people have bad experiences with debt collectors and the Consumer Financial Protection Bureau (CFPB) wants to hear about them. They are preparing to update the rules that govern how debt collectors communicate with borrowers and they are seeking information from both debt collection companies and consumer advocates to help
Much has been written recently in legal publications of the spiralling cost of civil litigation – for example, reference “Skin in the Game” published in the 2013 issue of Canadian Lawyer InHouse by Jennifer Brown. This article discusses various litigation funding issues including the reasons why the traditional fee based
When a loved one dies it can be difficult to cope, not only with the death but also with the added pressure of creditors who call to collect debts. You may question whether the debt collector can collect on the debt from family members. The answer to that question depends
Last year the Federal Communications Commission (FCC) adopted several very significant changes to the Telephone Consumer Protection Act (TCPA). The changes to the regulations have become effective on October 16, 2013. Two of the changes include: A requirement that written consent be obtained prior to a business placing a call;
Do you really need an attorney to file a chapter 7 bankruptcy? It is possible to file bankruptcy without an attorney. It is also possible to represent yourself in any legal matter without an attorney. The only obvious benefit to going it alone is the money you save in attorney’s
You’re expecting a big settlement from a lawsuit, but the money hasn’t come in yet. In fact, the case hasn’t even been settled, so you’re out of luck until you get the judgement from the court, right? Hold on. You don’t always have to wait for a settlement to spend
EUROPEAN ORDER FOR PAYMENT PROCEDURE Regulation (EC) No 1896/2006 of the European Parliament and of the Council of 12 December 2006 creating a European order for payment procedure. The regulation, which will apply from 2008, establishes a European procedure for orders for payment. The procedure simplifies, speeds up and reduces the costs
If you find yourself in a difficult financial position the thought of declaring bankruptcy has probably crossed your mind a few times. It is important to meet with a bankruptcy lawyer to discuss your situation and the possible outcomes if you do file for bankruptcy. There are approximately 1.25 million
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