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Legal References

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Collection Firm Targets Debtors' Relatives By Misusing Outdated Law

Collection Firm Targets Debtors’ Relatives By Misusing Outdated Law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 […]

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 […]

Debt Collectors Can Keep Coming After You Because of this Loophole

Debt Collectors Can Keep Coming After You Because of this Loophole

Cathy Nestor, a woman from Illinois received a collection notice for an AT&T bill which she believed was a mistake. In response to immediately correct the collection notice, Cathy Nestor sent a letter of dispute to the debt collector. After the notice was sent, the debt collector never responded back so she assumed that the […]

Creditor collection harassment: When and how should you retaliate?

Before you prepare to hit back at your creditors for harassing you regarding debt payments make sure you are aware of the following: Does FDCPA cover creditor’s actions? – As per the Fair Debt Collection Practices Act (FDCPA), a creditor is a person or an entity that has actually extended you the credit. This refers […]

How Weak Exemption Laws Endanger Families from Debt Buyers

How Weak Exemption Laws Endanger Families from Debt Buyers

In our last post, we talked about the findings of the study conducted by NCLC. It has been found out in the study that all states in the US are really lacking laws that protect consumers and their families from debt collectors taking away everything from them, for debts they sometimes don’t even owe. Apart […]

Debt Collectors Are Pushing Families into Poverty and State Governments are Letting Them

Debt Collectors Are Pushing Families into Poverty and State Governments are Letting Them

Every American is supposed to have his rights to protection from predatory creditors and their debt collectors; but a recent study by the National Consumer Law Center revealed that apparently, we are left to our own devices in fighting off opportunistic predators from taking everything from us. When it comes to abusive debt collection practices, […]

Fair Debt Collection Practices Act (FDCPA) – Know your rights under the law

Debt collection agencies and their debt collectors have been known to use harassment and scare tactics to force debtors to pay even when they can’t afford to, and even if they are not the right person who owes the debt. Just because you have a debt doesn’t mean these people can abuse you, harass you […]

ballentines law dictionary pdf

Ballentine’s Law Dictionary

Here’s Ballentine’s Law Dictionary – Third Edition that you can refer to if you need to look up legal terms and terminologies that you’re not sure about. Debt collection attorneys are very likely to use strange sounding words in the legal jargon as part of their scare tactics. You can also refer to this when […]

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