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 Tagged With: Rosenthal Act
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: Debt Collection is #1 Again – In Complaints
So, it turns out that when you are really good at something you should continue doing it. In this case, debt collectors are really good at having complaints filed against them with the Consumer Financial Protection Bureau. According to this…
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.
California Debt Blog: Consumer reporting agencies may not report outdated negative information on your credit report
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.