People Come First At Our Consumer Rights Law Firm
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…
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…
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…
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…
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…
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…
The Telephone Consumer Protection Act (“TCPA”) enacted in 1991, limits the placement of pre-recorded telemarketing calls and all autodialed or pre-recorded calls to cell phones. These calls are most commonly referred to as “robo-calls”. Today companies are using robo-calling more than ever either as a marketing tool to solicit new business or to collect debts. As technology continues to expand…
I started the week discussing case law that did not have a favorable result for consumers so I figure it a good idea to following it up with a recent appellate decision that ends on a positive note. In the case of Hooks v. Forman, Holt Eliades Ravin LLC, plaintiffs Karen Hooks and Geraldine Moore filed suit against a collection…
What is a debt collector? A debt collector is a company that regularly engages in the collection of debts for another. That means that the original creditor is not a collector for purposes of this law. If a new creditor buys the debt from your original creditor, that new creditor can be deemed a debt collector if they bought the…