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How Late Can You Be on a Car Payment, Mortgage or Other Bill?

Credit Corp

Whether or not you fall under the subprime category, it can be surprisingly easy to miss an auto payment—or any other debt. If you fall too far behind on payments, the mortgage lender may initiate foreclosure proceedings. How Many Late Payments Can You Have Before You Face Foreclosure? Were you one of them? And what do you do?

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Avoiding Overshadowing Claims

FDCPA Defense

Although collectors are not required to quote from the text of section 1692g verbatim, that is probably a good first step. Furthermore, to be effective, the notice must not be overshadowed or contradicted by other messages or notices appearing in the initial communication from the collection agency.”) (citations omitted). Not exactly.