What is a cease and desist letter

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A cease and desist letter is a used to request that a creditor or debt collector stop contacting you to collect the debt. Sending a cease and desist letter can be effective at stopping unwanted communications from a debt collector. Under the Fair Debt Collection Practices Act (FDCPA), a debt collector is prohibited from contacting … Read more

Ten Essential Tips to Creating an Effective Identity Theft Report

Identity Theft Report

Conclusion Clearing up your credit and stopping debt collections of fraudulent accounts can be time-consuming, confusing, and frustrating. It can also be risky. You must swear under oath and penalty of perjury you had nothing to do with the fraud, did not authorize the fraud, and did not benefit from the fraudulent charges. Following these … Read more

Midland Credit Management “Final Notice” Letters

If you have received a collection letter or series of collection letters from Midland Credit Management, Midland Funding, or any other company that make false legal threats or deceptive representations you can fight back. Midland Credit Management, Midland Funding, and other related companies are blanketing the country with threats and statements that are sometimes false. … Read more

FDCPA Money Damages for Unfair Debt Collections

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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

How to Sue Debt Collectors: Tricks and Traps

So you want to a sue debt collector? Suing debt collectors is not as easy as it sounds. There are numerous pitfalls and barriers that can trap unwary consumers. The first issue to be concerned about when suing a debt collector or collection agency is whether or not you have a good case. Debt collectors … Read more



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