Month: August 2014

Latesha Clemons purchased a 2007 Nissan Pathfinder from a dealership in central Illinois.  The vehicle only had 12,800 miles on it at the time of purchase, and thus, was still covered under the manufacturer’s original warranty.  Unfortunately for Ms. Clemons, her first year of ownership of the vehicle was loaded with problems.  Within that first year, she was […]

The stress of owing a debt may weigh heavily on your conscious. You may think about how you are going to pay it off or how you are going to put it off, all of which are certainly realistic concerns.  Added stress may be caused by a collector’s constant effort at communication, including endless phone calls […]

You may be familiar with the Fair Credit Reporting Act (“FCRA”) and the Fair Debt Collection Practices Act (“FDCPA”) but the Telephone Consumer Protection Act (“TCPA”) is the fastest growing consumer protection statute out there.  The TCPA has been protecting consumer rights since the early nineties but it seems that in the recent years the […]

With the changes to the rules surrounding the Fair Debt Collection Practices Act (“FDCPA”) on the forefront, the Consumer Financial Protection Bureau (“CFPB”) warns the debt collection industry to be prepared by making sure they have a plan for compliance in place.  In recent interviews, the CPFB announces it expects collection agencies to have written […]

In October of last year, the 7th Circuit decided an issue about choice of venue for a collection agency in Mark Suesz v. Med-1 Solutions, LLC.  In the opinion the Court held that under the Fair Debt Collection Practices Act (“FDCPA”), small claims courts were not considered judicial districts for purposes of the statute and […]