Texas A&M Journal of Property Law CFP for consumer law symposium

Public Citizen

  Topics Under Consideration: The Texas A&M Journal of Property Law is interested in broadly exploring recent changes and concerns in consumer law including consumer credit and debt practices, regulatory rollbacks by the Consumer Financial Bureau, consumer bankruptcy proceedings, credit reporting, data security, mortgage lending practices, and student-loan forgiveness.  We received the following CFP: Texas A&M Journal of Property Law: Spring Symposium Proposal.

How To Remove Penn Credit from Your Credit Report

Better Credit Blog

Avoiding the problem won’t make it go away, but paying your debt won’t necessarily solve anything, either. Today, we’ll walk you through all the details you need to know about Penn Credit and debt collectors in general so you can have them taken off your report in no time.

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CFPB Complaint Report Returns to Debt Collection

Consumer Financial Services Law

The CFPB recently issued its monthly report of consumer complaints and turned its focus back to debt collection. Here are the highlights: Debt collection, mortgage and credit reporting continue to be the leaders in complaint volume; Debt collections complaints comprise 27% of the total cumulative complaints received to date by the CFPB; Student loan complaints showed the greatest increase over the same period for 2015 with a 120% increase.

CFPB Provides Some Hints as to First Party Debt Collection Rules

Consumer Financial Services Law

In prepared remarks to the National Association of Federal Credit Unions, the CFPB provided some hint as to what we can expect with regard to first party debt collection rules. In July, the CFPB released a debt collection proposal regarding traditional third party debt collectors. At the time, the CFPB stated that it would also be releasing a debt collection proposal addressed to first party debt collectors at a later date.

Fair Debt Collection Practices Act (FDCPA)

Better Credit Blog

Having debt in collections can be downright overwhelming, especially when debt collectors bombard you with dozens of phone calls. What Is the Fair Debt Collection Practices Act (FDCPA)? How the Federal Debt Collection Practices Act Protects You.

How To Remove AMCOL Systems From Your Credit Report

Better Credit Blog

Debt collectors can be a nuisance, and their effects on your credit score are even worse than their constant calls. It might seem like paying off your debt is the best method for getting a collections agency like AMCOL off your report, but that could do more harm than good.

How to Remove ConServe from Your Credit Report

Better Credit Blog

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.

Collection Agency for Funeral Homes: Recover Unpaid Bills

Nexa Collect

Being a third-party debt collector, they are well-versed with dealing all those excuses and know exactly how to get your money back to you. Managing Debt. Debt RecoveryUnpaid bills are a huge problem for funeral homes.

How To Remove Accelerated Financial Solutions from Your Credit Report

Better Credit Blog

Has your credit score taken a dive due to debt in collections? When a collections agency like Accelerated Financial Solutions gets access to your debt, it can drop your score and make your day-to-day life more stressful. Wondering exactly how the debt collection process works?

How To Remove Account Control Technology From Your Credit Report

Better Credit Blog

Account Control Technology is a debt collector, and if they’re contacting you, it means you probably let a payment slip through the cracks. But with the right resources in hand, you can deal with debt collectors with ease, getting them off your credit report and your phone screen.

How To Remove Account Control Technology From Your Credit Report

Better Credit Blog

Account Control Technology is a debt collector, and if they’re contacting you, it means you probably let a payment slip through the cracks. But with the right resources in hand, you can deal with debt collectors with ease, getting them off your credit report and your phone screen.

How To Remove AT&T Collections Agency From Your Credit Report

Better Credit Blog

Because simply paying your debt won’t do your credit any good. When your AT&T bill goes unpaid for a length of time, it can transition into collections stage debt, which means that a collections entry will be added to your credit report. Debt validation doesn’t always work.

How To Remove AWA Collections From Your Credit Report

Better Credit Blog

If you’re wondering how best to proceed with a debt collector like AWA, we’ve got you covered. AWA is a small debt collector that has been operating since 1993, according to its BBB profile. Write a debt validation letter. Write a Debt Validation Letter.

How To Remove Allied Collection Service From Your Credit Report

Better Credit Blog

When debt reaches collections, it can hurt your credit score and leave you on the receiving end of seemingly nonstop phone calls and letters. While dealing with debt collectors can seem daunting, the tips below can help you to stop the agency’s calls and get them off your credit report.

How To Remove Capital Management Services From Your Credit Report

Better Credit Blog

Has Capital Management Services contacted you claiming you owe them a debt? If you’ve been on the receiving end of calls and letters from a debt collection agency like CMS, it’s also negatively affecting your credit score. Ask for Proof of the Debt.

How To Remove A1 Collections From Your Credit Report

Better Credit Blog

A1 Collections is a totally legitimate debt collection agency. Demand Proof of the Debt. Demand Proof of the Debt. Since A1 Collections is a third-party debt collector, there’s a strong possibility they don’t have the documentation they need.

How to Remove National Credit Systems From Your Credit Report

Better Credit Blog

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.

How To Remove PMAB LLC From Your Credit Report

Better Credit Blog

Estimates suggest that close to one-third of Americans have debt in collections. PMAB LLC is a legitimate debt collections agency founded in 2003. When your bills go unpaid for a few months, they may be turned over to a debt collections agency like PMAB LLC.

How To Remove McCarthy Burgess & Wolff From Your Credit Report

Better Credit Blog

While paying off the debts you owe to the agency might seem like a simple solution, it won’t help to boost your score like the strategies below. The agency has been in the business of debt collection since 1980. Outsourcing debt collections. Submit a Debt Validation Letter.

Charged Off as Bad Debt: An Explainer

Credit Corp

When you miss too many payments, your creditor may charge off the debt. When your debt is charged off as a bad debt, don’t fool yourself into thinking it goes away. A charged off debt can lead to harassing phone calls, garnished wages, and a major drop in your credit score.

How To Remove Americollect From Your Credit Report

Better Credit Blog

Instead, you’ll need to dispute the debt or negotiate a pay-for-delete agreement. Americollect, Inc has been in the debt collection business since 1964. Unpaid medical debts don’t have to hold you back from your financial goals. Mail Americollect a debt validation letter.

Passive Debt Buyer May Delegate Dispute Communications to Third Party

Consumer Financial Services Law

A New York District Court recently addressed the issue of whether the FDCPA requires passive debt buyers to personally register disputes or whether they can delegate that obligation to their third party debt collector/servicer. Passive debt buyers purchase debt but retain third parties to service and collect the debt. Nunez’s accounts had been acquired by a passive debt buyer, Pinnacle Credit Services (“Pinnacle”).

How To Remove MiraMed Revenue Group From Your Credit Report

Better Credit Blog

MiraMed is a specialized debt collector that focuses solely on debts in the healthcare industry, also offering business services to medical professionals. MiraMed is a third-party debt collection agency, meaning it collects on debts for other companies and profits when the debtor makes a payment. Seek debt validation. Seek Debt Validation from MiraMed. The key to debt validation is acting quickly.

Is A Bank A “Debt Collector” Under California’s Rosenthal Act? Maybe Not.

FDCPA Defense

Can a bank be sued for acting as a “debt collector” under the California Rosenthal Act? You are probably tempted to answer “yes” it can, because you know the Act defines a “debt collector” to include an entity that is collecting on behalf of itself or on behalf of third parties. Instead, all collection activities may be handled through separate, though related, servicing companies, or by third parties.