Month: June 2015

The Telephone Consumer Protection Act (“TCPA”) is the law that was enacted to protect consumers from the ever growing trend of receiving robo calls, prerecorded messages and texts messages made by telemarketers and debt collectors. PayPal, the giant company that provides a service enabling consumers to pay, send money, and accept payments without revealing their […]

When it comes to the subject of your credit report, there is a great amount of controversy making it difficult for consumers to decide who and what to believe.  While  almost everyone has their own opinion on how to interpret a credit report, below is a list of truths that will help improve your report […]

The Fair Debt Collection Practices Act (“FDCPA”) is the federal statute that was enacted to protect consumers from abusive collection tactics during the collection process.  Despite the existence of the law, collectors regularly violate the statute in an effort to collect debts.  The average debtor is not aware of the law, a collectors’ obligation to […]

In recent months, the Federal Trade Commission (“FTC”) reported receiving complaints regarding the newer collection practice of sending text messages to unsuspecting consumers in an effort to collect debts.  Collection agencies are sending text messages to consumers attempting to collect debts that don’t belong to them or where consumers had not agreed to make a […]