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The Fair Debt Collection Practices Act provides that debt collectors must be careful when acquiring location information about the consumer. If you are having debt issues, be aware of your rights. Under the FDCPA, a debt collector can only contact a third party to obtain location information about the debtor. The collector can not indicate, verbally or written, that he…
Reports have surfaced that in some cities, such as Chicago on particular, efforts are being increased to collect old tickets and fines that have yet to be paid. Some of the fines and tickets may date back more than ten years. Consumers should be on alert, because it is anticipated that the collection tactics that will be employed will be…
One of the nations largest debt collection agencies, Portfolio Recovery Associates has had numerous complaints against it for its debt collection practices. There have been reports of ignoring cease and desist letters, misrepresenting amounts of the debt, misrepresenting information to credit bureaus, and harassment and abuse. Portfolio Recovery Associates does not just collect debts. They buy old debts from creditors…
A background check for employment that results in a termination or failure to gain employment can lead to violations of the Fair Credit Reporting Act. If part of the interview process requires a background check, or if your continued employment with a company depends upon a background check, you have rights under the Fair Credit Reporting Act. Most background reports…
A recent report released by the National Consumer Law Center on Wednesday, April 11, 2012 reveals that criminal background checks conducted on prospective employees routinely contain errors, mismatch people or misclassify criminal offenses. The report said that since the Sept. 11, 2001, terrorist attacks, employers increasingly have conducted background checks on prospective hires. That has created a booming industry of…
Consumers have filed complaints against National Enterprise Systems for almost every type of violation under the Fair Debt Collection Practices Act. From unauthorized calls to work to unauthorized disclosures, National Enterprise Systems have collected millions of dollars through these tactics. National Enterprise Systems (known as NES) is located in Solon, Ohio, NES boasts being licenses to practice in all 50…
You just found out for the first time that a debt collection agency is trying to collect a debt from you. Perhaps you found out by phone, or perhaps you found out by letter. You want to dispute this debt for whatever reason you have (not your debt, incorrect amount, etc). What should go in the dispute letter? When you…
The Telephone Consumer Protection Act is also known as TCPA. It was signed into law in 1991 with the intent to protect consumers from automated calls on their cell phones. YOUR RIGHTS AS A CONSUMER The TCPA makes it unlawful to use an automated dialer, also known as robo-dialing, to a cellular telephone unless the caller has expressed authorization. This…
Fitness Club Collections sent out a letter to an alleged debtor. It was the first communication from Fitness Club Collections to this person. However, the letter failed to advise the consumer that they had a right to dispute the debt and seek validation of the debt from Fitness Club Collections. Therefore, this debt collector violated the Fair Debt Collection Practices…
Don’t let their letter fool you that you are currently under a “legal review” and you must act immediately. G. Reynolds Sims are a debt collector. G. Reynolds Sims was founded in 2006 and has its headquarters in Troy, Michigan. Internet chat sites reflect a wide variety of complaints. Many complain that they were pressured into paying because they believed…