People Come First At Our Consumer Rights Law Firm
In a recent opinion, the Third Circuit Appellate Court held in Douglas v. Convergent Outsourcing, that a debtor’s account number that was not printed on the outside of the collection envelope but was visible through a window, was considered a violation of the FDCPA. Under the Fair Debt Collection Practices Act (“FDCPA”) a debt collector is prohibited fromusing “any language…
Have you ever received your monthly credit card statement and seen an error, billing discrepancy or charge you are positive does not belong to you? You do have a right to dispute the inaccuracy and request an investigation. Under the Fair Credit Billing Act (“FCBA”) you have the right to dispute an error with your credit card company and have…
If you have ever taken a look at your credit report, you have probably noticed a section titled, “Inquiries” at the end of the report. Inquiries are requests made by a company to review your report for a variety of different reasons. While most consumers understand that these inquiries can affect your credit score, the subject can still raise a…
Some industries are more prone to debt collection abuse than others. Student loans, medical billing and the mortgage lending industry are areas that seem to be more aggressive at recovering debt than others. Debt collectors collecting on these types of debts have been sued under the Fair Debt Collection Practices Act (“FDCPA”) forviolations of the statute. If you are a…
By now most consumers are aware of the Fair Debt Collection Practices Act (“FDCPA”) and have a basic understanding of the fact that this law was created to protect consumers from the abusive tactics of collection agencies. Abuse by collectors is on the rise and knowing the law beyond the fact that it exists will ensure you are never taken…
In October of last year, the 7th Circuit decided an issue about choice of venue for a collection agency in Mark Suesz v. Med-1 Solutions, LLC. In the opinion the Court held that under the Fair Debt Collection Practices Act (“FDCPA”), small claims courts were not considered judicial districts for purposes of the statute and a collection agency could file…
You may be familiar with the Fair Credit Reporting Act (“FCRA”) and the Fair Debt Collection Practices Act (“FDCPA”) but the Telephone Consumer Protection Act (“TCPA”) is the fastest growing consumer protection statute out there. The TCPA has been protecting consumer rights since the early nineties but it seems that in the recent years the protection of its laws are…
With the changes to the rules surrounding the Fair Debt Collection Practices Act (“FDCPA”) on the forefront, the Consumer Financial Protection Bureau (“CFPB”) warns the debt collection industry to be prepared by making sure they have a plan for compliance in place. In recent interviews, the CPFB announces it expects collection agencies to have written policies and procedures detailing how…
Home Depot is just one of the latest giant retailers to be sued under the Fair Credit Reporting Act (“FCRA”) for failure to comply with the statute’s employment background check laws. As the law lays out strict but clear guidelines for employers to follow, companies continue to ignore consumer rights during the application process when conducting employment background checks and…
The United States Supreme Court may need to give its opinion on the collection of time-barred debts under the Fair Debt Collection Practices Act (“FDCPA”) as more circuits disagree and continue to widen the split. In a recent opinion by the Seventh Circuit, the Court held that it is a violation of the FDCPA to offer a settlement to a…