Month: March 2014

In two lawsuits consolidated by the Seventh Circuit, two collection agencies, LVNV Funding and Capital Management Services, were found to be in violation of the Fair Debt Collection Practices Act (“FDCPA”) for pressuring consumers to make payment on debts that were time-barred and therefore beyond the statute of limitations.  The underlying issue, decided on appeal, […]

In a recent precedential opinion, the Third Circuit held that the failure of colleges and universities to respond to a student loan borrowers’ credit report dispute is in violation of the Fair Credit Reporting Act (“FCRA”) and such a violation may subject the institutions to punitive damages for their conduct.  Under the FCRA, colleges and […]

When dealing with your credit report, there is much confusion about how to repair your it.  Almost everyone has their own opinion on how to damage and how to improve your score.  But the reality is there are no short cuts or tricks to speeding up the process of repairing your credit, so make sure […]

While time has passed since our ailing economy, many consumers continue to suffer the effects.  Loss of jobs and unpaid bills allowed collection agencies to shine and while things seem to be on the up-swing, your unpaid debt will follow you for years to come.  When collectors are making no headway from the constant phone […]

The Credit Score.  This has become increasing more vital in our society.   Whether we are renting an apartment, buying a car, applying for a home mortgage or a new job, our credit history is routinely checked.  This means as consumers, we need to be aware of what will negatively impact our scores.  Here are some […]