Discharging Student Loans in Bankruptcy

It has been said that it is impossible to discharge a student loan in bankruptcy.  While indeed it is a very difficult debt to discharge, it is not impossible.  In fact, one collector had been found liable under the Fair Debt Collection Practices Act for representing to a consumer, while collecting a student loan, that […]
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Not All Collections are Debt Collectors Under the FDCPA

Most debt collection comes to us in the form of phone call campaigns, letter writing, credit reporting, and lawsuits.  The collectors are obviously the agencies and lawyers that pursue the debts by these means.  However, many people find themselves subject to other collection abuses  – such has aggressive and nasty process servers and repo men.  […]
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When Are Too Many Collection Calls Considered Harassment

Many people contact us to complain that they are getting a high volume of calls from a collector, and they believe it is harassment.  The Fair Debt Collection Practices Act states that a collector may not cause a telephone to ring repeatedly with the intent to harass, annoy or abuse the person at the called […]
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Collectors Leaves Messages – To Wrong Number

We came across a question to one of the many consumer question boards that asked:  What kind of scam is going on with these calls where they mention a name then tell you to hang up if you are not this person? What do they do if you don’t hang up but instead stay on […]
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TCPA – Receiving Calls on Your Cell From a “Robo Caller”

In this day and age, most everyone has a cell phone.  In fact, many people have replaced their home phones with a cell phone.  Most people who have a cell phone has received a call from a “Robo” dialer at some point or another.  It is quite typical for calls to be made by collectors […]
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Credit Reporting Agencies You Never Heard Of

When it comes to credit reporting agencies, we have all heard of the main three, Trans Union, Equifax and Experian.  A majority of the credit transactions that take place in this country utilize one of these three for their credit information on the consumer applying for credit.  But there are so many more.   As we […]
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Brad Pitt to Develop TV Series About Debt Collection

It has been reported that Brad Pitt’s production Company, Plan B Entertainment, will be producing a TV series for HBO called “Paper” about the life of a debt collector.  The show is to be about a former gangster in Buffalo , NY, that tries to clean up his life by starting to work at a […]
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Banks Confused On When They Must Investigate Under FCRA

In September of this year, the 6th Circuit Appellate Court clarified the confusion that apparently existed within USAA Federal Savings Bank (Boggio v. USAA Federal Savings Bank, Docket No. 11-4040).  The bank was under the impression that when it received a dispute from a credit bureau regarding a consumers claims of inaccuracy on their credit […]
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