People Come First At Our Consumer Rights Law Firm
Complaints from consumers about debt collection tactics are at their highest levels in history. Many Americans are feeling the heat of debt collection calls. But in those calls there are things that the collector won’t let you know and surely won’t tell you. Here are 6 items: 1. They really don’t intend on suing you. Many consumers complain that collectors…
Collectors for Student Loan The definition of debt collector under the Fair Debt Collection Practices Act does not include original creditors or servicers of an account for a creditor. There are certain exceptions to the rule, but for the most part, the statute only applies to third party debt collectors. Therefore, your creditors are not held responsible for following the…
An increasing percentage of college graduates have student loans. In today’s economy, it is hardly a surprise that the amount of loans and the inability to repay them are rising. The amount of outstanding student loan debt has climbed over $1 trillion, easily exceeding credit card debt. Defaulted student loans have more than doubled since 2007. This has raised red…
Consumers looking to have their credit reports repaired from damaging marks can find an overwhelming number of companies that are willing to help them in the process. But do these companies actually help you and do they accomplish what you need? The first step is to determine whether the company you are considering is a legitimate company truly designed to…
Contacts with third parties, disclosure of the debt to third parties, and a multiplicity of calls leading to harassment are some of the complaints heard from consumers regarding Pioneer Credit Recovery. Pioneer is one of the collection agencies that has engaged in a contract with the US Department of Education for the collection of Student Loans. An article published on…
It is a new year and a good time to make a fresh start. The past few years have been a financial strain for most Americans. Let’s start the new year on a positive note. Here are a few smart tips for avoiding financial stress, improving your credit, and protecting yourself against abusive debt collectors. First, pull your credit report. …
National Credit Recovery is a debt collection company located in Ottawa, a suburb of Kansas City, Kansas. Their website boasts an experienced management team that understands the needs of both debtors and creditors. They emphasize that their callers aim to work out a compromise because everyone deserves a second chance. Many complain that the callers are rude and disrespectful to…
We hear a constant flow of complaints about debt collectors threatening wage garnishment. But are those threats real? There are a few rare instances when a threat of a wage garnishment is very real and the consumer should have concern. However, the overwhelming majority of those threats are improper threats that violate the Fair Debt Collection Practices Act. Here are…
RULE 1: Check your credit reports on an annual basis. You can order your credit report FREE annually. All of the three nationwide credit agencies, Transunion, Equifax and Experian are required offer you one free report every twelve months. You an order all three of the reports by contacting annualcredit report.com. RULE 2: If you have an error on your credit…
Using multiple forms of harassment to get the job done, Encore Receivable Management has developed a reputation for heavy handed collection tactics. Complaints have been posted on internet chat sites complaining of excessive calls throughout the day, failing to identify themselves during collection calls. Encore Receivable Management, Inc. has been in the collection business for over 30 years. Encore is…