Category: Fair Debt Collection Practices Act

  • 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 […]

  • 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 […]