People Come First At Our Consumer Rights Law Firm
In a post last month I discussed how Fair Debt Collection Practices Act (“FDCPA”) suits have been on the decline over the past year while Telephone Consumer Protection Act (“TCPA”) claims have continued to grow and are up as much as 70% this year alone. An obvious reason for this decline and increase is the environment we live-in, where we are virtually…
When it comes to a low credit score, understand you are not alone. More than 30 million consumers nationwide have a credit score of 620 or less making it more than a little bit difficult to be approved for credit at a low interest rate. Your credit score is the three-digit number calculated by using the information contained in your…
The Fair Credit Reporting Act (“FCRA”) is the federal statute that protects consumers from the collection, dissemination, and use of consumer credit information. If you have been the victim of conduct in violation of this statute you likely filed suit in federal court. Despite the fact that most states have their own independent laws in place to protect their citizens…
Collectors can be ruthless in their collection efforts, especially during this time of year. As a consumer, it is our obligation not to give in to their scrupulous tactics and let them convince you into handing over a payment you may not even owe. Collection scams are becoming more common than ever as more and more consumers fall prey to…
Today, you cannot avoid the bombardment of ads for credit repair companies, promising to boost your credit score and do away with your bad credit forever. Despite the fact such offers are obviously appealing, consumers should beware there is no quick fix and such claims are likely the sign of a scam you are better off avoiding. The harsh reality…
Collection of phantom payday loans is recently becoming more of a common practice for collectors and the Federal Trade Commission (“FTC”) has investigated the scam and put a stop to a group of fictitious collection agencies this past week. Debt collectors are hounding thousands of consumers nationwide for payday loan debts they don’t actually owe. The FTC focused on the…
Fortunately, the majority of consumers have a clear understanding of the importance their credit has over their financial well-being. As a consumer your knowledge of your credit report and its accuracy can mean the difference between you being approved credit at favorable interest rates or not. The accuracy of the information contained in your report by creditors, banks, and other…
There is an alarming new trend in debt collection scams. Watch out for fake collection companies that are calling on legitimate debts. These callers have information about debts that you owe, but have no authority to collect them. Exactly how this information is obtained is unknown. What you need to watch out for our bogus companies collecting on debts you owe…
Under the Telephone Consumer Protection Act (“TCPA”) the Federal Communications Commission (“FCC”) issues rules and regulations allowing consumers to file suit and collect damages for receiving unsolicited telemarketing calls, faxes, pre-recorded calls, autodialed calls, robo-calls or SMS text messages. “Telemarketing” calls are calls received by a consumer made by advertisers offering products or services to consumers. Autodialed calls are phone…
For many of us, when a debt collector begins calling to collect on a debt it usually is no surprise. Most consumers are aware of their finances and their inability to make payments. When the collection calls begin it most often means your debt has not been paid in quite some time and a collector has every intention of forcing…