Category Archives: Debt Collections

FDCPA Checklist: Is a debt collector violating your rights?
The Fair Debt Collections Practices Act (FDCPA) was put in place by the federal government nearly 40 years ago to protect consumers from renegade debt collectors. It outlines, very specifically, what a debt collector can and cannot do. To stay legal, collectors must follow it exactly. If not, they can be fined by the government. If a collection company is abusive or habitually violates the FDCPA,...
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Abusive Collection Companies Taken Down (Again) by the Federal Trade Commission
The Federal Trade Commission sends a very clear message to renegade debt collectors: “If you abuse consumers, you lose… everything!” 63 abusive collection companies and individuals across the US are forever banned from operating in the debt collection business thanks to lawsuits filed (and won) by the FTC. According to the lawsuits, these companies must stop all operations and surrender their assets – some...
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My credit report shows a debt I owe got “charged off”… now what?
Congratulations! You ordered a copy of your credit report. What’s that… you found a “charge off”? I bet you’re wondering what the heck that even means! Well, it means that the original creditor has given up on the hope that you wall pay your past due balance. But, the debt is NOT gone. You still owe the money… you just have to figure out...
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