Month: August 2012

The 11th Circuit Appellate Court revived three Fair Debt Collection Practices Act cases in one decision the other day.   In Zinni v. ER Solutions, 2012 WL 3641911 three cases were combined for an appeal where the trial court dismissed each of the three cases for the same reason.  In each case, the debt collector made […]

Are you receiving threatening calls from collectors? What constitutes a threat under the law?  The Fair Debt Collection Practices Act is designed to protect consumers from threatening collectors.    The FDCPA makes it illegal to do the following: Call the consumer’s place of work “if the debt collector knows or has reason to know that the […]

I get so many calls.  How do I get them to stop? First, you need to find out who is calling you.  Everyone dreads answering calls when they don’t recognize the phone number.  However, if you are getting repeated calls and these calls are bugging you, it is time to take a start answering the […]

Since cell phones have become the more popular mode of communication, many consumers will go through different providers and as a result have many different phone numbers.  Sometimes a customer does not pay the bill and their service is cut off, and that phone number is given to a new customer.  For whatever reason, it […]

Debt Collectors like to call their debtors and leave messages on their home phones, cell phones and work phones.  Often, these calls get the collectors into hot water.  Sometimes that message does not properly disclose that the call is an attempt to collect a debt (as required by 15 U.S.C. §1692e(11)) and sometimes the call […]

Are you looking for a job and getting nowhere?  Is something holding you back from employment and you don’t know what it is? Companies that perform background checks for employers are making mistakes and providing reports riddled with errors.  The Federal Trade Commission is starting to take notice and clamp down on the rule breakers.  […]

This time of year, the car sales pitches hit high tide.  Labor Day sales and “summer close out sales ” start to pop up at every dealership.  They are trying to sell off last years models before the new ones take over popularity, and they are  trying to target those who need cars for the […]