Month: October 2014

For working consumers across the country, understanding that the Fair Credit Reporting Act (“FCRA”) can protect you during a job interview or throughout your employment, may help you get the job you need or keep you in the job you already have.  The FCRA, a consumer minded statute, enacted in the 1970s, provides protection for […]

Making the decision to file for bankruptcy can be a difficult choice for a consumer to make.  Eventually, after receiving numerous collection letters and calls and not being able to dig yourself out of debt, choosing bankruptcy is more than likely your best option.  The benefit of filing for bankruptcy is the “fresh start” you […]

Protecting yourself from identity theft starts the moment you decide to make a purchase.  Your actions when stepping up to a cash register to pay can mean the difference between becoming an identity theft victim or having your identity and buying power remain safely in your control.  Studies show that consumers are more likely to […]

If you are anything like thousands of Americans, you have missed a few payments here and there on your bills and have been contacted by a debt collector looking to make sure you to pay up.  Having a debt collector contact you is stressful, and if you don’t know the basic rules of how to […]

In a recent opinion, the Third Circuit Appellate Court held in Douglas v. Convergent Outsourcing, that a debtor’s account number that was not printed on the outside of the collection envelope but was visible through a window, was considered a violation of the FDCPA.   Under the Fair Debt Collection Practices Act (“FDCPA”) a debt collector […]