Troutman Sanders

JUNE 16, 2021

Med-1 Solutions LLC , an Indiana district court granted partial summary judgment for the defendant in a Fair Debt Collection Practices Act (FDCPA) case. At the time it received the notice of the plaintiff’s bankruptcy petition, the defendant did not have any active accounts for collection regarding the plaintiff.

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Troutman Sanders

FEBRUARY 28, 2023

The plaintiff alleged the letter included language that overshadowed the statutorily-mandated validation notice and falsely represented or implied that an attorney had meaningfully reviewed the letter in violation of multiple provisions of the Fair Debt Collection Practices Act (FDCPA).

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Credit Corp

FEBRUARY 23, 2024

We’ll also arm you with tools like Credit.com’s free credit report card to stave off the next wave of debt-related threats. Key Takeaways: Zombie debt arises based on collection agencies. It may be possible to settle zombie debt with your original creditor. How Does Zombie Debt Work?

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Debt Free Colorado

FEBRUARY 21, 2022

Debt Relief Attorney Serving Colorado. Bankruptcy may appear to be a scary process, but it does not have to be. Dray Legal Office’s attorneys will endeavor to help you obtain a fresh start by eliminating debt and reorganizing your finances. Does Colorado Law Protect Me From Debt Collectors?

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Credit Corp

JUNE 14, 2020

Zombie Debts and Judgments. If the original creditor went to court and obtained a judgment against you for a debt, the zombie debt cycle can be more complicated. First, judgments provide the creditor with the legal means to collect via actions such as wage garnishments or bank account liens.

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Collection Industry News

DECEMBER 21, 2020

Court of Appeals for the Ninth Circuit recently reversed an award of summary judgment in favor of a defendant debt collector against claims that it violated the federal Fair Debt Collection Practices Act (FDCPA) by attempting to collect a debt that was discharged in bankruptcy and no longer owed.

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Troutman Sanders

JANUARY 12, 2023

Under the settlement agreement, the law firm agreed to obtain proper supporting documents before filing collection lawsuits and also to pay a $100,000 civil penalty. The conduct provisions in the Stipulated Final Judgment and Order look substantially similar to those in the Hanna and Pressler cases previously entered into by the CFPB.

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Taurus Collect

NOVEMBER 15, 2023

Regulations around debt collection are strict, and experts from no cure no pay debt collection UK are here to help you navigate these waters. In this post, we will explore the rights and regulations governing debt collection in the UK. Dispute Unrecognised Debts: If you do not recognise a debt, dispute it.

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Troutman Sanders

MARCH 26, 2021

The plaintiff, an individual consumer, filed a chapter 7 bankruptcy petition, including in his schedules a debt for past-due rent for a former apartment. The bankruptcy was a matter of public record and was listed on his credit reports. The plaintiff filed a lawsuit against the defendant in the U.S. 1692, et seq.

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Collection Industry News

APRIL 25, 2023

This may also vary depending, for instance, on the: Type of debt State where you live State law named in your credit agreement If you’re sued by a debt collector and the debt is too old, you may have a defense to the lawsuit. When does the statute of limitations period begin?

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The Kaplan Group

OCTOBER 19, 2020

FDCPA ( Fair Debt Collection Practices Act). The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts the behavior of collection agencies when they are attempting to collect money from individuals. Debt Settlement Services. Statute of Limitations.

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Troutman Sanders

JULY 17, 2023

According to the FTC, the agency is empowered to enforce the provisions of the GLBA “in the same manner and with the same power and authority as the [FTC] has under the Fair Debt Collections Practices Act [FDCPA] ….” In Celsius’ bankruptcy proceeding, the FTC has filed a nondischargeable, general unsecured claim of $4.72

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Direct Recovery

APRIL 18, 2023

The commercial debt collection process typically involves everything from communicating with debtors about the amounts owed and negotiating payment terms to pursuing legal action and obtaining a judgment against a debtor and garnishing their wages. In most cases, they do not apply to business debts.

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Collection Industry News

SEPTEMBER 23, 2020

Default Judgments in Debt Collection Cases. Many consumers who are sued for outstanding debts do nothing, and that is generally a big mistake. The survey data showed that more than 70% of debt collection suits ended in default judgments. Filing bankruptcy. That is 20 years!

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Better Credit Blog

OCTOBER 2, 2020

Write a debt validation letter. Write a Debt Validation Letter. According to the Fair Debt Collection Practices Act , a debt collector can’t require payment from you without first validating your debt. Credit repair companies also help out with issues like: Bankruptcy. Pre-collections.

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Better Credit Blog

MARCH 2, 2021

Collections agencies tend to get negative reviews from consumers who’ve dealt with them. Unvalidated debts. If you aren’t familiar with the Fair Debt Collection Practices Act and how it can work in your favor, a collector may violate your rights without your knowledge. Harassment. Identity fraud. Hard inquiries.

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Better Credit Blog

OCTOBER 7, 2020

Ask for Proof with a Debt Validation Letter. The first and best way to get AMCOL deleted from your report is to ask for proof of your debt. The Fair Debt Collection Practices Act states that debt collectors have to provide you with documentation showing that the debt is yours, as long as you request the info in a timely manner.

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Better Credit Blog

OCTOBER 5, 2020

Try out one of the approaches below, and you could be collections-free in a few weeks. Get your debt validated. Get Your Debt Validated. The Fair Debt Collection Practices Act is great for a lot of reasons, one being that it requires collections agencies to present proof of a debt before you’re required to make a payment.

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Better Credit Blog

FEBRUARY 24, 2021

If you’ve fallen behind on payments in an industry like one of the ones listed below, it could be to blame for the collections entry on your report: Bank credit cards. Whenever a lender or company like your phone or internet provider doesn’t receive a payment from you, they may eventually hire a collections agency for assistance.

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Better Credit Blog

FEBRUARY 15, 2021

While you’re researching, take the time to educate yourself on the Fair Debt Collection Practices Act , a law made to protect you from shady and threatening collection attempts. They can also walk through other significant credit issues, like: Bankruptcy. A credit repair company could be just what you need.

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Better Credit Blog

DECEMBER 2, 2020

Some complaints are concerned with the agency’s failure to respond to requests for debt validation and their faulty reporting. In light of those complaints, it’s important to understand the rights granted to you by the Fair Debt Collection Practices Act. Send a debt validation letter. Send a Debt Validation Letter.

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Better Credit Blog

OCTOBER 30, 2020

They can help you recover from a range of credit-related issues, such as: Collections. Bankruptcy. They’ll also help to ensure that debt collectors stay within the bounds of the FDCPA. With a credit repair company on your side, you don’t have to worry about the hassle of writing debt collectors and negotiating payments.

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Better Credit Blog

FEBRUARY 24, 2021

If you’ve fallen behind on payments in an industry like one of the ones listed below, it could be to blame for the collections entry on your report: Bank credit cards. Whenever a lender or company like your phone or internet provider doesn’t receive a payment from you, they may eventually hire a collections agency for assistance.

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Better Credit Blog

FEBRUARY 2, 2021

To get an idea of customers’ experiences with BGE Collections, take a look at the Better Business Bureau and the Consumer Financial Protection Bureau. You should also educate yourself on the basics of the Fair Debt Collection Practices Act before reaching out to BGE Collections. Foreclosure. Repossession.

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Better Credit Blog

NOVEMBER 17, 2020

Whether you’re merely trying to settle up with debt collectors or you have more serious issues like bankruptcy, judgments, or liens, credit repair services can be well worth the expense. When it comes to dealing with debt collectors, it’s important to understand the Fair Debt Collection Practices Act.

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Better Credit Blog

FEBRUARY 17, 2021

Some of the most common complaints waged against collections agencies have to do with their aggressive collection strategies, reporting issues, and inadequate responses to debt validation requests. Fortunately, you are protected against issues like the one cited above by the Fair Debt Collection Practices Act.

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Better Credit Blog

FEBRUARY 5, 2021

Collections agencies are often the subject of complaints surrounding their faulty reporting and aggressive tactics. You should also read up on the Fair Debt Collection Practices Act. This act was written to protect consumers from abusive debt collection practices and to ensure accurate reporting. Bankruptcy.

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Better Credit Blog

FEBRUARY 15, 2021

Many complaints are centered around reporting errors, harassment, and failure to respond to debt validation requests. Because these issues are frequent with collection agencies like Fairway Collections, you should understand your rights under the Fair Debt Collection Practices Act. Charge-offs. Foreclosure.

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Better Credit Blog

DECEMBER 29, 2020

is their collection tactics. They have been known to neglect the Fair Debt Collection Practices Act (FDCPA) when contacting customers for payment. Their infractions include failing to validate debts, calling multiple times a day, and reporting inaccurate information to credit bureaus.

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Better Credit Blog

FEBRUARY 4, 2021

Many people don’t realize that they are protected by the Fair Debt Collection Practices Act. The FDCPA gives debt collectors clear guidelines for dealing with customers, including the ones below: Debt collectors can only call between 8 a.m. Bankruptcy. Identity fraud. Foreclosures. Poor payment history.

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Better Credit Blog

FEBRUARY 25, 2021

You can look to the Consumer Financial Protection Bureau and the Better Business Bureau to view complaints filed against debt collectors. Collections agencies are held to a set of standards set forth by the Fair Debt Collection Practices Act. They can also assist you with credit problems such as: Judgments.

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Better Credit Blog

FEBRUARY 19, 2021

In light of these issues, it’s important to educate yourself on the Fair Debt Collection Practices Act. This law prevents debt collectors from treating you unethically or making baseless claims regarding debts. They’re also well-equipped to help you bounce back from credit problems like: Bankruptcy.

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Better Credit Blog

FEBRUARY 12, 2021

To see what customers think of EZ Pass and other debt collectors, take a look at the Better Business Bureau and the Consumer Financial Protection Bureau. You should read up on the basics of the Fair Debt Collection Practices Act. Moreover, they can help with a slew of trying credit problems, like: Bankruptcy.

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Better Credit Blog

NOVEMBER 4, 2020

More importantly, they can help you get to the bottom of your more complicated credit problems, whether you have a slew of late payments, you’re recovering from bankruptcy, or there are judgments against you. Before you attempt to confront RCS, it’s important to understand the basics of the Fair Debt Collection Practices Act.

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Better Credit Blog

NOVEMBER 5, 2020

They can dispute your debt, negotiate a pay-for-delete agreement, and help out if a debt collector oversteps the boundaries of the FDCPA. They’ll also help to tackle more challenging credit issues like bankruptcy, liens, and judgments. Don’t pick up the phone and pay Stellar Recovery Collections just yet.

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Better Credit Blog

FEBRUARY 22, 2021

Most often, consumers complain about debt collectors’ pushy collection techniques, erroneous reporting, and inadequate response to debt validation requests. Because these issues are frequent with collections agencies , you need to realize that you are protected by the Fair Debt Collection Practices Act.

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Better Credit Blog

FEBRUARY 18, 2021

To get an understanding of how debt collectors are, and aren’t, allowed to treat you, you need to read up on the Fair Debt Collection Practices Act. The FDCPA is your shield against abusive debt collection practices and inaccurate reporting. Charge-offs. Foreclosures. Hard inquiries. Repossessions.

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