Debt Free Colorado

FEBRUARY 21, 2022

Does Colorado Law Protect Me From Debt Collectors? When collecting a debt from you, collection agencies must adhere to federal and state rules. Fortunately, the federal Fair Debt Collection Practices Act (FDCPA) protects all states. Using or threatening consumers with physical violence.

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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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Direct Recovery

FEBRUARY 7, 2021

In what is supposed to be an increase in protections offered to consumers, an updated version of the Fair Debt Collection Practices Act (FDCPA) was passed in the fall of 2020 that brings that iconic piece of legislation up to date with modern forms of communication. Remember the Original FDCPA Rights.

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Better Credit Blog

APRIL 1, 2022

Also, others cited that Credence did not remove the collection from their credit reports after the creditor negotiated an agreement with them. The Fair Debt Collection Practices Act provides several protections from collection agencies, so it is important to know your rights. Send a Debt Validation Letter.

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Better Credit Blog

AUGUST 14, 2020

Another awesome benefit of the Fair Debt Collection Practices Act, debt collectors must present proof of the debt they claim you owe if you request it within 30 days. Since these agencies are third-party debt collectors, they don’t always have all of their debts on record.

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Collection Industry News

NOVEMBER 6, 2020

The regulator explained the rule focuses on debt collection communications and gives consumers more control over how often and through what means debt collectors can communicate with them regarding their debts. The entire new rule can be downloaded on this website.

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Credit Management Company

MAY 3, 2022

A recent update to the Fair Debt Collection Practices Act has cleared up some confusion with a few simple changes. Once debt collectors speak to a person, they cannot call again for another seven days. (For For example, if a company chooses to sue you for unpaid debt). Phone Calls.

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True Accord

OCTOBER 11, 2022

What are the major laws and regulations lenders need to know that govern debt collection (and debt collection service providers)? Steve Zahn [SZ] : Right off the bat, obviously the Fair Debt Collection Practices Act, or the FDCPA, is the major law lenders need to know about for debt collection.

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Better Credit Blog

APRIL 1, 2022

This doesn’t mean you no longer owe this credit card debt; it means you no longer owe the credit card issuer the money. Instead, you now owe the money to the third-party debt collector. That said, there is no harm in trying this method even if Capital One still owns your old credit card debt.

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Credit Corp

NOVEMBER 9, 2020

Knowing illegal debt collection practices can help identify when you’re being treated unfairly. The Fair Debt Collection Practices Act is a federal law that protects consumers against certain unfair collection practices. It does not come into play for creditors collecting their own debts.

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Better Credit Blog

AUGUST 31, 2020

ConServe is a debt collection agency that may contact you regarding unpaid debts. They are a third-party debt collector, which means that they may be hired by your original creditor, or they may purchase your old debt on the chance that you pay them instead.

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Better Credit Blog

OCTOBER 14, 2020

The Fair Debt Collection Practices Act requires debt collectors to prove that your debt is legitimate. If you send AFS a debt validation letter within 30 days, the agency is required to show documentation of your debt. Another place you should look to is the Fair Debt Collection Practices Act.

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Better Credit Blog

OCTOBER 5, 2020

This strategy is worth trying regardless of whether the debt belongs to you or not. Sometimes, companies don’t have the documentation they need to see their collections attempts through. You’ve got 30 days from AT&T Collections’ first call or letter to submit a debt validation letter.

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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. Third-party collections. Dealing with AWA Collections.

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Better Credit Blog

SEPTEMBER 23, 2020

Here’s how: Demand evidence of the debt. Demand Evidence of the Debt. Among other things, the Fair Debt Collection Practices Act (FDCPA) protects you from inaccurate reporting and unfounded claims. Whenever a debt collector contacts you, you should immediately request that they validate the debt.

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Better Credit Blog

SEPTEMBER 21, 2020

Ask for Proof of the Debt. You could be contacted about a debt you’ve already paid or one that was never yours, to begin with. The Fair Debt Collection Practices Act safeguards you here, requiring collections agencies to verify your debt by providing documentation of it before they can collect.

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Better Credit Blog

SEPTEMBER 17, 2020

Demand Proof of the Debt. The Fair Debt Collection Practices Act provides you with yet another advantage, the ability to ask collections agencies to provide validation that you owe what they claim you do. Failing to validate debts. Inaccurate credit reporting.

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Better Credit Blog

JULY 13, 2020

Based on the requirements of the Fair Debt Collection Practices Act, you are entitled to ask MiraMed for proof of your debt before being expected to make a payment. You can contact MiraMed with a basic debt validation letter , whether you actually owe a debt, as the agency claims, or not.

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Better Credit Blog

NOVEMBER 5, 2020

Here are three methods that may work: Ask RMS for proof that the debt is yours. Ask RMS for Proof the Debt is Yours. Thanks again to the Fair Debt Collection Practices Act, you are allotted 30 days to dispute a collections entry on your report. Pay a negotiated amount to get the entry deleted.

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Debt Free Colorado

APRIL 1, 2021

Also, it’s a violation of the Fair Debt Collection Practices Act (FDCPA) for a third party debt collector to disclose information about your debts to others. To: For privacy purposes I deleted the emails of 8 different people here. Anyone in a law firm understands how to use BCC.

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Better Credit Blog

OCTOBER 30, 2020

Whether you were too late to send in a debt validation letter or AARS was able to verify your debt, your next best option is to negotiate a pay-for-delete agreement. Before you answer one of Ad Astras’ phone calls, you might want to take a few moments to read up on the Fair Debt Collection Practices Act.

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Better Credit Blog

FEBRUARY 2, 2021

When you cancel service with an outstanding balance or fall behind on your power payments, your provider will make several attempts to collect payments from you. If they are unsuccessful, your debt will go into collections, which can have a significant impact on your credit report.

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Better Credit Blog

AUGUST 25, 2020

Here’s how: Submit a debt validation letter. Submit a Debt Validation Letter. Another important benefit of the Fair Debt Collection Practices Act is that it requires debt collectors to validate any debts they’re attempting to collect. Arrange a pay-for-delete agreement.

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Better Credit Blog

JANUARY 27, 2021

BC Services is a third-party debt collector that has been hired by a healthcare provider to whom you owe money to get you to make payments on a debt. The Fair Debt Collection Practices Act (FDCPA) protects consumers from aggression and intimidation by debt collectors.

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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. and 9 p.m.

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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. This strategy is worth a shot whether you believe the debt is legitimate or not.

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Better Credit Blog

DECEMBER 29, 2020

They are a third-party debt collector and auto loan financer out of California. They are aggressive, and they will not stop unless you pay them or remove their account from your collection account. We can help you remove their collection account from your credit report.

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Better Credit Blog

FEBRUARY 24, 2021

If you’re concerned about First National Collection Bureau’s legitimacy, you can rest assured knowing the agency is valid. First National is a certified collections agency headquartered in Nevada. They have been collecting on consumer debt since it was founded in 1983. But FNCB is hired by businesses to collect on debts.

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Better Credit Blog

FEBRUARY 24, 2021

If you’re concerned about First National Collection Bureau’s legitimacy, you can rest assured knowing the agency is valid. First National is a certified collections agency headquartered in Nevada. They have been collecting on consumer debt since it was founded in 1983. But FNCB is hired by businesses to collect on debts.

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Better Credit Blog

FEBRUARY 5, 2021

Many of Bison Recovery Group’s complaints are about their: Aggressive collection attempts. In light of these issues, it’s vital that you learn your rights under the Fair Debt Collection Practices Act. The FDCPA was crafted to ensure accurate reporting and keep debt collectors in line. Dispute process.

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Better Credit Blog

SEPTEMBER 8, 2020

If you owe an old landlord money on your rent, you may begin to hear from a debt collector called National Credit Systems. National Credit Systems is a third-party debt collector that has been hired on behalf of the original creditor to collect the debt from you. Verify the Debt.

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Better Credit Blog

FEBRUARY 19, 2021

FMA Alliance is a third-party debt collector that works with companies to recover delinquent accounts from customers. Before a debt collector can contact you for payment, they must first report the debt to the major credit bureaus.

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FDCPA Defense

SEPTEMBER 26, 2017

Unlike the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692, et. seq. , (“FDCPA”), which, generally speaking, only applies to third party debt collectors, the Rosenthal Act broadly defines a “debt collector” to include persons or entities that collect on behalf of themselves or others.

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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

NOVEMBER 17, 2020

Individuals who’ve been targeted due to faulty reporting should absolutely start out with debt validation, but so should people who actually owe MBA Law money. As a third-party debt collector, MBA might not have the info it needs to validate your debt. All you have to do is mail in a letter.

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Better Credit Blog

NOVEMBER 4, 2020

Getting your debt verified can be simple with a debt validation letter template. When third-party debt collectors obtain consumer debts, they don’t always maintain the documentation they need. If you think you’re on RCS’s list in error, you should start with this approach.

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Better Credit Blog

AUGUST 31, 2020

Once you’ve been contacted by the agency, you’ve got 30 days to submit a debt validation letter demanding documentation of the debt. If you’ve been targeted by debt collectors over a debt that doesn’t exist, this one is a no-brainer. This act restricts debt collectors from overstepping and harassing debtors.

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