People Come First At Our Consumer Rights Law Firm
When being contacted by a debt collector, I often hear complaints from consumers that the debt is “too old” and the question, “how can a collector contact me about a debt that is so old?” While the answer to this question is simple, a debt collector can attempt to collect a debt from you forever as long as he or…
The Fair Credit Reporting Act (“FCRA”) is a federal law that regulates the use of consumer credit and other background information. The FCRA was created to ensure the distribution of accurate information about each consumer and provide adequate notice and information to consumers whose credit or employment is affected by the information collected and disseminated. Today, in our strained economy,…
The Federal Trade Commission (“FTC”) is tightening the reins on data brokers to ensure fair treatment of consumers in the market place by making sure information reporting is more accurate than in years past. In its effort to promote this fair treatment, after numerous consumer complaints, the FTC launched an investigation against Certegy Check Services, a Florida based chec authorization…
In a post earlier this year I discussed the recent amendments to the Fair Credit Reporting Act (“FCRA”) requiring businesses using background checks on existing or potential employees to put the individual on notice of its intention to use the information in making its decision in hiring or firing employees. In ensuring compliance with the new regulation, the Federal Trade…
Under Section 1692d of the Fair Debt Collection Practices Act (“FDCPA”) a collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. This conduct includes but is not limited to, causing a telephone to ring or engaging any person in telephone conversation…
There are many issues to consider when buying a used car. If you are purchasing a used car, review the following tips to avoid unexpected bumps in the road. Find a reputable dealer to purchase your vehicle. Talk to friends and family and see if they can recommend a used car dealer. Research the dealer that you are considering and…
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…
Pursuant to the Fair Credit Reporting Act (“FCRA”) upon receiving notice of a dispute from a consumer regarding inaccurate information on a credit report, the credit reporting agency (“CRA”) and furnisher of the account have a duty to conduct a reasonable investigation into the dispute within 30 days and report back to the consumer with the results. The law is…
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…
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…