• What you need to know about debt collection, part 3

    Debt collectors cannot contact you at work. Consumers should tell debt collectors that they cannot talk while at work. The debt collectors cannot contact them at work anymore. Debt collectors also cannot call, fax, or email consumers at work. Also, debt collectors cannot contact your spouse at the spouse’s work. Almost all employers require employees […]

  • What you need to know about debt collection: part 2

    A debt collector cannot communicate with you after the debt collector knows an attorney represents you. Debt collectors violate the Fair Debt Collection Practices Act when they demand payments directly from you after finding out an attorney represents the you. But, you must prove the debt collector knew about the attorney representation. If you need […]

  • What you need to know about debt collection: part 1.

    Debt collectors cannot communicate with you at any unusual time or place to collect a debt. Debt collectors calling you between 8:00 am and 9:00 pm local time is not unusual. Courts rule that phone calls from debt collectors at 7:00 am violate the Fair Debt Collection Practices Act. Courts also rule that phone calls […]

  • Debt Collectors Lying About How Much Money Consumers Owe

    One of my first debt collection harassment clients had less than $300 charged off from her credit card. The debt was sold at least twice to one debt collector, then the next. Three years later, she was sued for more than $1,000.00. The debt collectors continued to charge her interest long after the credit card […]

  • Fire Risk Recall: 1.4 Million GM Cars

    General Motors just issued a massive recall 1.4 million vehicles due to increased fire risk in engines. The company recalled the 1997 – 2004: Pontiac Grad Prix Chevrolet Impala Chevrolet Lumina Chevrolet Monte Carlo Oldsmobile Intrigue The parts needed to fix the engines in these vehicles may not be available for months. If you purchased […]

  • For-Profit College: “Pulse and a Pell”

    Education Management Corporation, the nation’s second largest for-profit college operator, recently agreed to pay almost $90 million to settle a case accusing it of paying its employees based on how many students they enrolled, according to the New York Times. Paying recruiters based on the number of students they enroll is illegal under federal law. […]

  • Arbitration: New Battles Are Coming

    The New York Times recently ran a three-part series. The series shows how various corporations – phone companies, credit card providers, nursing homes – use arbitration clauses to avoid judges and juries, who are the back bone of American’s constitutional justice system. What does the expansion of arbitration mean for consumers? If you have a legal […]

  • Zombie Debt and Phantom Debt

    The week after Halloween, the Federal Trade Commission announced it had slayed some zombie debt and phantom debt collectors. The zombies and phantoms you saw trick-or-treating on your street did not cause you to lose sleep. But, zombie debt and phantom debt cause real life nightmares for consumers. The nightmare starts when a consumer is looking for […]

  • Backgroundchecks.com Inaccuracies

    The Consumer Financial Protection Bureau recently took action against General Information Services and e-Background-checks.com, Inc. The employment background screening reports provided by these companies through backgroundchecks.com contain serious inaccuracies and illegally included information. These illegal reports were then provided to job applicants’ prospective employers. These companies provided 10 million consumer reports about job applicants every year. Employers […]