Most people have received annoying messages from telemarketers. Sometimes they are automated messages. Other times it is an actual person who just will not take “no” for an answer. This is why the National Do Not Call Registry was created. The Federal Trade Commission (FTC) created the registry 10 years
Imagine you have been trying to obtain credit and failing because you did not respond adequately to a letter you received six years ago. Imagine all those years of frustration as your applications for phone contracts, credit cards and loans have been turned down, watching your dreams of owning a
(First published at http://www.westopdebtcollectors.com/blog/us-consumer-bureau-plans-to-crackdown-on-abusive-debt-collectors.html) There are more than 4,500 collection firms in the United States. While many debt collectors follow the rules laid out under the Fair Debt Collection Practices Act (FDCPA), there are others who do not because they did not fall under the FDCPA’s jurisdiction. Debt collection complaints
A recent case, Hooks v. Forman, Holt, Eliades & Ravin, LLC, the U.S. Court of Appeals for the Second Circuit ruled that a collection letter violated the Fair Debt Collection Practices Act (“FDCPA”) because it stated that the debtor would only be able to dispute the debt in writing. This
(US Law) The Telephone Consumer Protection Act (“TCPA”) already regulates the use of auto dialers, used to initiate faxes, prerecorded voice messages, and SMS text messages. However, a recent federal court ruling out of the Western District of Wisconsin has expanded the TCPA’s reach. In the case Nelson v. Santander
(US law and generally) Credit cards can be very useful if used correctly. However, if they are not, they can get you into a world of trouble. On average, an US household holds about $16,000 in credit card debt. Due to the economy, more and more debt collectors have been
When filing a lawsuit it is important that it be filed in the proper court. This pertains to any type of action, where it be a personal injury case, criminal matter, or even probating a will. Actions under the Fair Debt Collection Practices Act (“FDCPA”) are not any different. Proper
Debt consolidation is widely advertised in the U.S. as the end all to debt problems. Debt consolidation, in layman’s terms, is taking out a big loan to pay off all of your incumbent debt. While this may in fact lower your payment month to month while only having to worry
(US law and generally) The effect of a bankruptcy filing in the United States on debts owed to an ex-spouse pursuant to a divorce depends upon what chapter of bankruptcy a person files. Generally speaking, individuals file bankruptcy under either Chapter 7 or Chapter 13 of the Bankruptcy Code. These
In this economy, times are tough for everyone. Job losses, wage cut-backs, work hour reductions, all combined with rising expenses make paying back debt harder than ever. If you find yourself unable to pay your loan, there are some steps you can take to avoid legal action. If you find
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