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Dealing with Debt Collectors

Resources on how to deal with collection agencies, abusive debt collectors and their harassing phone calls using the laws – FDCPA, FCRA, CCPA, and DUTPA.

VALID FORECLOSURE? LOOK AGAIN

By Michael Cormier Staff Writer   Knowledge is Power – Francis Bacon   We’ve all heard Francis Bacon’s quote before in some form or other. For centuries it’s been used again and again in speeches and literature. Yet, however it’s used, it always means the same thing: When we gather facts and take the time […]

Collection Firm Targets Debtors' Relatives By Misusing Outdated Law

Collection Firm Targets Debtors’ Relatives By Misusing Outdated Law

A Pennsylvania debt collection firm has found itself in legal trouble after misrepresenting the state’s Filial Responsibility Law. The attorney general recently initiated a lawsuit that accuses Hamilton Law Group of misusing this rule in its efforts to collect doctor and dentist fees. If a court decides against the collection agency, it will need to […]

Big Changes at Credit Bureaus Could Improve Scores

Big Changes at Credit Bureaus Could Improve Scores

After negotiating with New York’s attorney general for months, the top three credit reporting agencies have reached an agreement that applies throughout the nation. The bureaus plan to enact major changes to the ways that they record late or unpaid bills. They will also make it less difficult for Americans to correct errors on credit […]

Abusive Debt Collection Agency Shut Down in Georgia

Abusive Debt Collection Agency Shut Down in Georgia

A notorious Buford, Georgia debt collector known as Zenith Financial Group has been forced out of business. It was accused of employing highly abusive practices on a regular basis. A state government agency ordered the firm to cease operations, cancel existing debts and pay a fine. Furthermore, Zenith’s owner must end all debt collection activities […]

OCC Fines Bank of America with $30 Million, Requires them to Make Amends with 73,000 Customers

OCC Fines Bank of America with $30 Million, Requires them to Make Amends with 73,000 Customers

While there are plenty of laws designed to protect consumers from unsavory lending and collecting practices, harmful and unfair collection often goes unpunished.  Banks can and do get away with harming their customers every day — so when one gets caught and fined, it is big news. Bank of America was hit with a hefty […]

Court Forces Unethical Collection Agency to Pay $83 Million

Court Forces Unethical Collection Agency to Pay $83 Million

Debt collectors frequently bother and intimidate people who don’t really owe them money. A stunning court verdict in Missouri will strongly discourage this behavior. The jury decided that Portfolio Recovery Associates must pay an individual almost $83 million for aggressively trying to collect credit card debt that she didn’t owe. This collection agency also needs […]

Fight Back by Challenging Unfair Debt Collection in Court

Fight Back by Challenging Unfair Debt Collection in Court

When debt collectors make unfair demands or abuse people, it’s possible to successfully take legal action against them. In fact, it’s even advisable to fight back by challenging these unfair debt collection in court. It may even be feasible to accomplish this feat without paying lawyer fees. Up to nine out of 10 lawsuits succeed. […]

Homeowners vs. Wells Fargo - Multibillion Dollar Class Action Suit

Homeowners vs. Wells Fargo: Multibillion Dollar Class Action Suit

In a case of welcomed comeuppance, frustrated homeowners across the nation are mad and they’re not going to take it anymore. Recognizing each other as victims of mortgage fraud, they are banding together and taking their cases to the courts. As a result, Wells Fargo, the fourth largest bank in the country is facing multiple […]

Debt Collection Methods Drive Homeowners to Suicide

These Debt Collection Methods Drive Homeowners to Suicide

More and more people are committing suicide every year, apparently due to evictions and foreclosures – two of the main ways to collect on debt owed by homeowners for their homes. The suicide rate went up by about 16 percent in the decade after 2003. During 2010, it became the 2nd most common reason for […]

Bank Attorney Loses Foreclosure Case; Judge Reports Him to Florida Bar

Bank Attorney Loses Foreclosure Case; Judge Reports Him to Florida Bar

In February 2015, a Florida court defeated one of the latest attempts by major banks to use fake or missing mortgage documents in home foreclosures. The lender’s attorney behaved so inappropriately that the judge angrily rebuked him and promised to report his behavior to the Florida Bar. This remarkable case pitted a bank plaintiff against […]

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