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You receive a phone call or perhaps a letter from a collection agency attempting to collect payment on a delinquent debt that you are sure is older than you can remember. Perhaps you can pay it off, perhaps you can’t afford to pay it off, perhaps you are not sure whether or not you should pay it off because you…
There is no question most collection agencies are ruthless in their pursuit to collect a debt and will stop at nothing to get you to make payment, including violating the law. The law is fairly straight forward and the reality is, if you think a collector has acted in a manner inconsistent with the law, then you are more than…
Opening your mailbox to find a “pre-approved” credit card offer can feel like you’ve won the lottery, especially for a consumer looking to open a new account. Even consumers with poor or no credit can receive these offers in the mail making you believe you have been approved for a card with what may initially seem like great benefits and…
Debt Collection laws can be fairly confusing to the average consumer. There is plenty of discussion about what a collector can and cannot do and while certain conduct may fall into a grey area, there is a list of actions that clearly fall under the umbrella of prohibited conduct of the Fair Debt Collection Practices Act (“FDCPA”). Below is a…
Earlier this month the Federal Trade Commission (“FTC”) announced it reached a settled with Rincon Debt Management, and its two principal owners, Jason R. Begley and Wayne W. Lunsford, in a long running case against the collection agency for threatening to sue and arrest consumers for debts they did not in fact owe. Under the settlement agreement the collection agency…
A “pull” on your credit report is the term that is used to refer to an existing or potential creditor accessing your credit file to look into your credit history. There are two different types of pulls that can be performed and they affect your credit score in different ways. A “Soft” pull or inquiry is a pull that occurs…