Month: November 2012

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 […]

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 […]

The Fair Credit Reporting Act was enacted to protect consumers from having inaccurate information spread about them on a credit report.  However, the FCRA provides many other rights to consumers.  Here are some: 1. The Right to View Your Own Credit Report The Fair Credit Reporting Act provides that each person is entitled to one […]

Does a debt collector that calls a third party in order to seek location information of the consumer violate the Fair Debt Collection Practices Act when it reveals to the person called that they were listed as a reference?  When I first heard the recording of a collector making contact with a relative of the […]

A consumer receives a call on their phone, and from the caller ID they cannot recognize the number.  They answer, and the caller states that they are looking for the consumer – that is, they give the name (let’s say John Doe).  John Doe says that this is him.  The caller goes on to say […]

Many consumers are facing lawsuits from debt collectors.  The collection courts are filled with consumers being sued  by creditors and companies that have bought the debt.  Many times, these lawsuits ask for attorney fees to be paid as part of the lawsuit.  This leads consumers to ask us:  Can we be held responsible for the […]

A story we have heard a few times recently regarding collector threats deals with them advising the consumer that they are going to mark down that the consumer is refusing to pay the debt.  The story usually starts with the collector calling and attempting to procure payment of the entire debt.  Most consumers in the […]