I have always told people, whenever you are contacted by a debt collector, the initial letter from the debt collector will state that you have the right to request validation of the debt within 30 days. You MUST, MUST, MUST…
Posts Categorized In: Rosenthal FDCPA
California Debt Blog: A voicemail can be a debt collection violation
Bloomberg has an interesting discussion of a case out of the United States Appeals Court. From the article: “In this case, Credit Control left a voicemail for the debtor, Stacey Hart. The message was: “This is Credit Control calling with…
California Debt Blog: Ringless Voice Mail and Debt Collectors
You take a break at work and find some voice mail messages. The weird thing is that your phone did not ring. How did these messages get here? Lilian Min at Cosmopolitan covers this in a new story she has…
California Debt Blog: Portfolio Recovery Associates Dismisses 2 Cases
In what is good news for one of my clients, she was sued by Portfolio Recovery Associates in 2 separate cases. The lawsuits were filed in 2012 for two alleged credit card debts. She denied she owed any money to…
California Debt Blog: Debt collectors calling about debts you do not owe
Debt collectors call a lot of people about debts. Heck, I got a call over the weekend from Portfolio Recovery Associates about a debt owed by Jonathan A Stein. Of course, that isn’t my name. And the last four of…
California Debt Blog: Debt Collection is the 2nd Most Popular Scam
The Better Business Bureau came out with their top 10 scams of 2015. Yes, I know it is already February of 2016, but I had to help people who were victims of the first two scams: IRS issues and debt…
California Debt Blog: You may limit “prescreened” offers of credit and insurance you get based on information in your credit report
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit…
California Debt Blog: You must give your consent for credit reports to be provided to employers
A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.
California Debt Blog: Access to your credit report file is limited
A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for…
California Debt Blog: You may seek damages from companies and individuals that violate your rights with your credit report
If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.