Is a collection agency threatening to arrest you or charge you with a crime? Although it is illegal to do so, many debt collectors use false threats of criminal prosecution or arrest to scare consumers into paying debt. Under these threats many consumers end up paying debt that they do not owe, even when they … Read more
Don’t Press 1 to Remove Your Phone Number Some telemarketers use robodialers and automated messages to sell their services. Con artists use the same technology. Either way, anytime you pick up the phone and a recorded voice tells you to “press 1 to remove your phone number” do not press any buttons. If you press … Read more
If Mortgage Investors Corporation is harassing you with repeated unwanted telemarketing calls you are not alone. Many consumers complain about abusive and harassing telemarketing practices by Mortgage Investors Corporation (MIC). Here are my recommendations to stop the calls. Telephone Consumer Protection Act Federal law protects you from telemarketing harassment by Mortgage Investors Corporation and other … Read more
It seems that no matter what we do we just can’t prevent all scam telephone calls. Placing your number on the do-not-call list and keeping your telephone number unlisted are old techniques that just don’t work as well as they used to. Telemarketing scams are everywhere and everyone with a phone eventually gets them. The … Read more
Consumers often ask me how to stop harassment from debt collectors, collection attorneys, or telemarketers. My answer may surprise you but often I recommend that you don’t stop the calls. In many cases it may be better to sue the abusive companies that to merely stop the calls. Stop Harassment from Debt Collectors, Collection Agencies, … Read more
Many credit repair companies fail to understand even the most basic concepts of ethical and legitimate credit repair. For them, credit repair dispute mistakes are common. Unfortunately, even many of the industry leaders lack the knowledge required to ethically and competently repair credit on behalf of consumers. Ordering Credit Reports Ordering credit reports is an … Read more
Debt collectors frequently violate the Fair Debt Collection Practices Act (FDCPA) when attempting to collect consumer debts. Here are some of the most of their most common FDCPA violations. Calling your Cell Phone without Permission In certain circumstances it is illegal for a debt collector to call your cell phone without your permission. Nonetheless, debt … Read more
Well-written credit repair dispute letters are crucial to effectively repairing your credit. Here are some tips on how to write an effective credit repair dispute letter. Form Credit Repair Dispute Letters Traditional credit repair organizations typically send form letters to dispute credit information. Those form credit repair dispute letters are problematic for several reasons. First, … Read more
60 Minutes Report: FTC Chairman on How to Choose a Credit Repair Company In the above video, FTC Chairman Jon Leibowitz, offers consumers two tips for how to choose a credit repair company. The tips are generally pretty good but continue reading for a few of my own tips on how to choose a credit … Read more
Mandatory arbitration is a consumer fraud of epic proportions. Unscrupulous businesses have discovered this powerful secret to legally defraud consumers. Car dealers, credit repair organizations, medical providers, and credit card companies are perhaps the worst abusers of mandatory arbitration of consumer claims but many other companies are jumping on board. The worst part of the … Read more
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