Debt collectors make mistakes – a lot of them. Not all debt collectors, but a fair number of them. When they do, you need to be able to assert your rights. So let me share with you three very frequent…
Posts Tagged With: FDCPA
California Debt Blog: Debt Collection Near Top of Complaints
The Consumer Federation of America has put out a list of the top consumer complaints. Guess what is near the top? Yep, my favorite industry, the debt collection industry! This year, coming in at #3 on the list, is abusive…
California Debt Blog: New Rules in New York for Debt Collectors
The New York Department of Financial Services is proposing new rules for debt collectors.These rules include: 1. Have in hand basic information before they may contact people about a debt; 2. Provide documentation when a person disputes or requests verification…
California Debt Blog: Consumer Protection Financial Bureau To Crackdown On Creditors
In a welcome move by the Consumer Protection Financial Bureau, they announced recently that they are going to be investigating original creditor’s for unfair debt collection practices. According to a story at BusinessWeek.com, “The new policy, which follows efforts to…
California Debt Blog: Federal Officials Shut Down California Debt Collector
A great story from Jim Puzzanghera at the LA Times about the Federal Trade Commission, FTC, shutting down a Califlornia debt collector. Who was shut down, you ask? From the story “Among the companies targeted were Western Performance Group and…
California Debt Blog: FAQ: What is my statute of limitations on a debt?
Question: I stopped paying on a credit card. What is the statute of limitations within which the debt collector has to sue me? Answer: It depends, as the typical lawyer would answer. Each state has its own statute of limitations….
California Debt Blog: Consumer Protection Financial Bureau Releases New Letters
The Consumer Protection Financial Bureau (CPFB) has released self help letters. These DIY letters are intended for consumers who are looking to deal with a debt collector without hiring an attorney. There are five letters that consumers can send to…
California Debt Blog: Expert Global Solutions Fined by FTC
Well, the debt collectors are at it again. What’s a violation of the FDCPA between debt collectors and the FTC? Do they really think the FTC is going to do anything? Apparently, the answer is yes. In this case, the…
California Debt Blog: Waiting will only hurt you
I get a lot of folks who call me up and want help – after they have waited. It can be done, sometimes, but it takes more time, energy and money. There are three places where waiting hurts. First, once…
California Debt Blog: Persolve LLC
I have a new case with Persolve, LLC that I thought I would write about. Persolve sued my client. My client doesn’t owe the money. So I filed an answer and served discovery. Persolve just responded to my discovery. They…