People Come First At Our Consumer Rights Law Firm
I get so many calls. How do I get them to stop? First, you need to find out who is calling you. Everyone dreads answering calls when they don’t recognize the phone number. However, if you are getting repeated calls and these calls are bugging you, it is time to take a start answering the calls. Find out who is…
Debt Collectors like to call their debtors and leave messages on their home phones, cell phones and work phones. Often, these calls get the collectors into hot water. Sometimes that message does not properly disclose that the call is an attempt to collect a debt (as required by 15 U.S.C. §1692e(11)) and sometimes the call does disclose the debt, but…
Are you looking for a job and getting nowhere? Is something holding you back from employment and you don’t know what it is? Companies that perform background checks for employers are making mistakes and providing reports riddled with errors. The Federal Trade Commission is starting to take notice and clamp down on the rule breakers. This week the FTC announced…
First Alliance Check Systems was hired to collect a debt of a certain consumer who ultimately became our client. In order to attempt to collect the debt, they called her at her place of employment. The consumer advised the collector at First Alliance Check Systems that she could not take their calls while she was at work. Still, the collectors…
In our practice of representing debtors in their claims of improper debt collection practices under the Fair Debt Collection Practices Act by collection agencies and attorneys, we have come across quite a few misconceptions about how the law works. Here are 5 common ones and the truths behind them: 1. If I demand in writing that the collector validate my…
We had a client come to us that had tried to do the right thing and work out an agreement to pay off her debt when she was sued by debt collector Mary Jane Elliot’s office. In court, this consumer appeared and worked out a deal to pay off the debt. The deal was accepted and she began her payments. …
In our practice of assisting consumers with credit report errors, we come across many misconceptions that consumers have about their credit reports, and the rights they have. Here are 5 commons ones, and the truths behind them: 1. When I pay my bill off entirely, it will come off my credit report: This is entirely untrue. If the item being…
Federally funded student loans are unlike any other. With every other debt, the creditor must file a lawsuit against you and win it before they can make any attempt to garnish your wages or attach to any of your assets. However, with federally funded student loans, the government has the right to start a garnishment without a lawsuit. However, this…
A very common message is being left by many debt collectors around the country. Just about anyone who has a collection company pursuing them has heard it. The message starts with the caller not identifying who they are, but seeking their debtor, “This message is for Jane Doe. If this is not Jane Doe, hang up the phone.” This gripping…
One of our clients came to us with a harrowing story of how Creditors Collection Service engaged in a campaign of harassment and abuse to attempt to collect a debt it believed was owed. The collector at Creditors Collection Service told the consumer that she was an attorney – she was not. Moreover, the collector threatened to sue the consumer’s…