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Collectors for Student Loan The definition of debt collector under the Fair Debt Collection Practices Act does not include original creditors or servicers of an account for a creditor. There are certain exceptions to the rule, but for the most part, the statute only applies to third party debt collectors. Therefore, your creditors are not held responsible for following the…
Complaints from consumers about debt collection tactics are at their highest levels in history. Many Americans are feeling the heat of debt collection calls. But in those calls there are things that the collector won’t let you know and surely won’t tell you. Here are 6 items: 1. They really don’t intend on suing you. Many consumers complain that collectors…
It is a new year and a good time to make a fresh start. The past few years have been a financial strain for most Americans. Let’s start the new year on a positive note. Here are a few smart tips for avoiding financial stress, improving your credit, and protecting yourself against abusive debt collectors. First, pull your credit report. …
RULE 1: Check your credit reports on an annual basis. You can order your credit report FREE annually. All of the three nationwide credit agencies, Transunion, Equifax and Experian are required offer you one free report every twelve months. You an order all three of the reports by contacting annualcredit report.com. RULE 2: If you have an error on your credit…
We hear a constant flow of complaints about debt collectors threatening wage garnishment. But are those threats real? There are a few rare instances when a threat of a wage garnishment is very real and the consumer should have concern. However, the overwhelming majority of those threats are improper threats that violate the Fair Debt Collection Practices Act. Here are…
National Credit Recovery is a debt collection company located in Ottawa, a suburb of Kansas City, Kansas. Their website boasts an experienced management team that understands the needs of both debtors and creditors. They emphasize that their callers aim to work out a compromise because everyone deserves a second chance. Many complain that the callers are rude and disrespectful to…
Using multiple forms of harassment to get the job done, Encore Receivable Management has developed a reputation for heavy handed collection tactics. Complaints have been posted on internet chat sites complaining of excessive calls throughout the day, failing to identify themselves during collection calls. Encore Receivable Management, Inc. has been in the collection business for over 30 years. Encore is…
The Fair Credit Reporting Act provides that potential insurers have a permissible purpose for accessing your credit report when they are determining whether to provide insurance coverage. Though when we look at our Trans Union, Equifax or Experian credit reports, we rarely, if ever see insurance companies performing inquiries on the credit reports. Is that because insurance companies rarely perform…
The Fair Debt Collection Practices Act or FDCPA’s goal is to protect the consumer against abusive debt collectors and their abusive tactics. What are abusive tactics? This includes: – Using profane language or language that is harassing or abusive – Calling before 8 a.m. or after 9 p.m. – Telling other people (family, friends, neighbors) about your debt – Calling…
Your credit report is private. It contains very personal information about your financial status and reputation among your creditors. Because of the sensitivity of this information, Congress, in enacting the Fair Credit Reporting Act placed limitations on who may obtain a copy of a consumer’s credit file. The people or companies that can gain access to your credit report essentially…