People Come First At Our Consumer Rights Law Firm
Your credit report is an extremely personal piece of information that explains your credit history in detail in a world where we rely heavily on credit to survive. The good news is, not anyone can review this document, unless you give them permission. As a consumer, you can review your own credit report at any time without damaging your credit…
While the list of Fair Credit Reporting Act (“FCRA”) violations may seem endless, below is a list of the most common violations in no specific order. 1. Reporting inaccurate information Creditors can only report information to the credit reporting agencies (“CRAs”) that is accurate and may be liable under the FCRA for failure to do so. Examples of inaccurate reporting…
Consumers call our law firm with many questions about debt collectors. Frequently, consumers ask what to do about harassing debt collection calls. Here is the answer: 1. Find out who is calling you. Pick up the phone and ask the caller for the name of the caller and their location. Write down the number on your caller identification. Either call…
In March of this year the Federal Trade Commission (“FTC”) filed a formal complaint against collection agency, Security Credit Services, LLC (“SCS”) and Jacob Law Group PLLC (“Jacob”) alleging violations of the Fair Debt Collection Practices Act (“FDCPA”) by charging consumers illegal fees for payments made by telephone and for threatening to file suit against consumers to get them to…
April 15th has come and gone. Now is the time to focus on your credit report. Why – what is the big deal? Your credit score is important. Unpaid debts, late payments, judgments and misreporting will not help you. They will keep your score low and make it difficult to obtain a mortgage, get a loan, finance a new car…
A new regulation passed by The Consumer Financial Protection Bureau (“CFPB”) will hold banks accountable for their conduct when collecting debts under the Fair Debt Collection Practices Act (FDCPA”). Previously, only third party collection agencies and not original creditors, were forced to comply with the standard of conduct required under the Act. Under this regulation, banks can be held accountable…
Telemarketers are calling you non-stop. You no longer answer the calls, but the phone continues to ring over and over again. What should you do and what are your rights? What are telemarketing calls? These are calls that act as an advertisement. They are telephone solicitations. This does not include calls where you have given express permission to the company…
Inheriting credit card debt when a spouse dies is a stressful and legitimate concern of partners at any age. When a person dies, his or her credit card debt does not automatically disappear. Whether the credit card company can recover the debt depends on three factors, whether or not the account had a co-signor, the amount of money and property…
As I have discussed before in a previous post about credit scores, your credit score is made up of numerous pieces of credit data from your credit report. It considers both positive and negative information compiled on you and is the driving force behind what type of credit you are granted. Consumers nationwide have a hard time understanding the basic…