Troutman Sanders

DECEMBER 1, 2020

National Business Factors (“NBF”), a debt collection company, entered an agreement with Tahoe Fracture Clinic (“TFC”), to collect debts owing to TFC. When Urbina did not tender the amount due, TFC referred the debt to NBF for collections. The Ninth Circuit Court of Appeals held in Urbina v.

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Debt Collection Answers

MARCH 18, 2016

Under the federal Fair Debt Collection Practice Act, a debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past-due. These debt collectors are also called debt collection agencies, debt collection compani.

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Collection Industry News

JULY 12, 2021

A recent decision in the 3rd Circuit should prompt debt collectors to review their inclusion of viewable bar codes, QR codes or other technologies when sending debt collection letters. Preferred Collections and Management Services, Inc. , Preferred Collections and Management Services, Inc. , In Morales v.

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Credit Management Company

JULY 14, 2021

Everyone in the debt collection industry is familiar with the Fair Debt Collections Practices Act (FDCPA). Reputable collections agencies willingly follow these rules and treat patients with compassion and respect. Preferred Collection and Management Services, Inc. Background on This Case.

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Better Credit Blog

APRIL 1, 2022

If you’re unable to pay your original creditor, your debt may pass to a debt recovery agency, earning a collection letter and possibly a stain on your credit report. Credit Collection Services, known as CCS for short, is one of the largest debt collection agencies in the United States, based in Massachusetts.

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Better Credit Blog

FEBRUARY 17, 2021

Fidelity National Collections is a medical debt collection company that works on behalf of healthcare providers to recover unpaid balances. Apart from their calls and letters, Fidelity Collections can have a detrimental effect on your credit score. About Fidelity National Collections. Ask Lex Law for Help.

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Better Credit Blog

SEPTEMBER 30, 2020

If you forget to pay a bill, the original creditor may move the debt to collections. This means that you may start to get phone calls from a debt collector like AAA Collections, harassing you to repay the debt. What is AAA Collections? Steps to Remove AAA Collections from Your Credit Report.

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Better Credit Blog

APRIL 3, 2022

If you’re reading this article, I bet you’ve recently been contacted by a company called Portfolio Recovery Associates —and you may be wondering how to remove them from your credit report. Portfolio Recovery buys multiple accounts with old debt from companies that have given up and “charged off” the accounts.

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Consumer Financial Services Law

FEBRUARY 11, 2018

Dunn Eighteen years ago, the Seventh Circuit crafted “safe harbor” language which, if used, shielded debt collectors from liability under 15 U.S.C. Section 1692g requires debt collectors to disclose, among other information, the “amount of the debt” a consumer owes. A recent decision, Boucher v. See 15 U.S.C.

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Debt Collection Answers

MAY 18, 2023

ARS National Services is a reputable debt collection agency. However, it’s important to know that you do not have to tolerate intimidating letters, repeated phone calls, or any other tactics from these collectors. When dealing with a debt collector like ARS National Services, confirming that the debt is yours is important.

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Collection Industry News

MAY 30, 2023

Ramirez , courts and litigants continue to grapple with standing issues in Fair Debt Collection Practices Act (FDCPA) cases brought by plaintiffs alleging intangible harms to reputation and privacy interests. Preferred Collection & Management Services. Prominent among these post-Ramirez FDCPA cases was Hunstein v.

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Better Credit Blog

AUGUST 21, 2020

Nothing is quite as panic-inducing as receiving a call from a debt collector. Not only are they notoriously rude, but having a debt collector on your tail can mean that your credit score is about to take a dive. MRS BPO LLC is a medium-sized debt collection agency based in Cherry Hill, NJ. Know Your Rights.

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Troutman Sanders

DECEMBER 7, 2020

Midwest Recovery Systems (“Midwest Recovery”), a debt collection company, must cease its alleged debt-parking practices, delete all reported debts, and surrender its remaining assets in partial payment of a $24.3 According to the complaint, Midwest Recovery and its owners had collected $24.3

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Better Credit Blog

SEPTEMBER 18, 2020

Failing to pay a debt may culminate into being pursued by a debt collector. National Credit Services is one such debt collector that may contact you if you fail to make payments on an overdue bill. Either way, they will open a collections account on your credit report in order to legally pursue payment.

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Better Credit Blog

APRIL 1, 2022

Is Credence Resource Management, LLC, contacting you about unpaid debts? The longer you avoid a debt collection agency like Credence, the more damage the agency can do to your credit score. Over the years, Credence has collected a lot of debt, earning a profit of $5 million last year. Send a Debt Validation Letter.

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Better Credit Blog

SEPTEMBER 11, 2020

There are few things more anxiety-inducing than being contacted by a debt collector. If a company called EOS CCA is on your missed calls list, it means that they are pursuing you for an old debt. They have also likely opened a collections account on your credit report. Unfortunately, that’s not all.

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Better Credit Blog

JANUARY 27, 2021

When Debt Recovery Solutions is hired to recover a debt, they must contact the major credit agencies and report the debt. This is known as a collection account and can tank your credit score for as long as seven years. No matter if the debt is for $50 or $50,000, they will come for you – and your credit – hard.

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Better Credit Blog

SEPTEMBER 8, 2020

If you begin to hear from a debt collection agency called Pioneer Credit Recovery, it is likely because you have defaulted on a loan or forgotten to pay a bill. In addition to showing up on your call logs, they will also appear on your credit report as a collection agency. What Is Pioneer Credit Recovery? or after 9 p.m.

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Better Credit Blog

NOVEMBER 24, 2020

Especially since the start of this year, many Americans have been struggling to manage their bills or make payments on existing debts. If you have had an overdue bill move to collections, you may begin hearing from a company called ACS Inc. Validate the Debt. Keep reading for our full guide on how to accomplish this.

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Better Credit Blog

AUGUST 7, 2020

If you forget to pay a bill, you may begin to hear from a debt collection agency called Credit Control Corp. Credit Control Corp is a debt collection company that collects payment on your debt on behalf of the original creditor. Request Debt Validation. Get Everything in Writing.

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National Service Bureau

JUNE 10, 2015

Debt collectors sometimes have a bad rap, but the truth is that they provide an important service to society so long as their practices are ethical in nature (i.e. Choosing the right debt collection agency is an important decision that can have both positive and negative repercussions for your business.

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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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FDCPA Defense

JANUARY 28, 2012

How can debt collectors avoid liability for the conduct of others? For example, generally speaking, the Act applies only to “debt collectors” who regularly attempt to collect debts that are “due another.” or an assignee of a debt, as long as the debt was not in default at the time it was assigned.”).

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Sawin & Shea

FEBRUARY 16, 2021

Are you receiving collection letters while working with a bankruptcy attorney ? Let’s take a look at why you should save collection letters and share them with your attorney. Some Collection Notices are Unlawful. Creditors are governed by the Fair Debt Collection Practices Act.

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Collection Industry News

MAY 11, 2021

Miller, a Kenmore debt collector, is under investigation by federal Homeland Security Investigations agents for alleged wire fraud in connection with unlawful debt collecting. A Kenmore debt collector may have ended up hounding the wrong guy for a debt his mother allegedly owed. Provided by Mark M.

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Troutman Sanders

JANUARY 20, 2022

On January 13, the CFPB released a bulletin, reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. The defendants knew, or should have known, the collection companies made false threats and false statements to consumers.

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Troutman Sanders

MAY 2, 2023

On April 26, the CFPB issued an advisory opinion, reminding the industry that a debt collector who brings or threatens to bring a foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act. For more information, click here. On April 25, a top U.S.

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