Month: December 2012

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 […]

We recently wrote a blog on how certain companies do not fall within the definition of a “debt collector” under the Fair Debt Collection Practices Act.  Click here. If a person or business is not a debt collector under the FDCPA, then regardless of how despicable the conduct, they are not liable to the consumer under […]

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.  […]

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 […]

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 […]

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 […]

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 […]

When we hear the term credit reporting agency, we think of Trans Union, Equifax and Experian, and the reporting of our payment histories.  The Fair Credit Reporting Act provides consumers a number of rights when it comes to dealing with a credit reporting agency.  We enjoy rights such as the right to obtain a copy […]