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
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
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
Are you getting debt collector calls at work? You might be surprised how easy it is to stop debt collector calls at work. Why You Get Debt Collector Calls at Work It is a common practice among debt collectors and collection attorneys to call consumers at work to collect debt. The reason they do so … Read more
When is suing a debt collector for $7500 a bad idea? When you have substantially higher damages of course. Unfortunately, the Consumerist website has posted an article congratulating a consumer for suing a debt collector in small claims court and winning $7500. Keep reading to find out why that $7500 award for suing a debt … Read more
Many consumers ask me how they can stop debt collectors from calling. My answer to that question is usually to not do anything to stop debt collectors from calling — yet. Before you act on the problem you should first consider the solutions and ramifications of taking certain actions. Consult a Consumer Protection Attorney If … Read more
Debt collection lawsuits can be filed against abusive debt collectors in small claims court in many cases but I recommend against it. You will almost certainly get a lower damages award or settlement by handling your case alone and by filing in small claims court. Instead, hire an attorney who will properly advocate your debt … Read more
In many cases you can sue a collection agency for harassment, abuse, or deception. Collection agencies are governed by the Fair Debt Collection Practices Act (FDCPA) which prohibits abusive or harassing actions when collecting a debt. Most states also have similar prohibitions under which you can also sue. The reasons for which you can sue … Read more
When a debt collector violates your rights by engaging in unfair debt collection practices you can sue it to stop the harassment or abuse and, in many cases, recover monetary damages under the FDCPA from the abusive collector. Although debt relief is not an available remedy under the Fair Debt Collection Practices Act (FDCPA), four … Read more
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