fair debt collection : Fix Bad Credit (blog)

Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]

Date: 2009-01-14 19:07:31

Blog posts (144) | Videos (41)

Beating Credit Card Debt Collectors at Their Own Game

Beating Credit Card Debt Collectors at Their Own Game by Matthew HighlanderConsumer debt collectors! Credit Card debt collectors! There ought to be a law against them! Fortunately, there is a law, and educated consumers have learned how to use it to fend off these debt collectors by making their job difficult.Time is money for a credit card debt collector, who is in the business of collecting unsecured consumer debt, most of which happens to be credit card debt. [more...]

Date: 2009-09-22 14:31:57

Mushroom Cloud over Wall Street By Mike Whitney

Dandelion Salad By Mike Whitney 09/22/08 “ICH“ “One bank to rule them all; One bank to bind them…” These are dark times ... are non-reviewable and committed to agency discretion, and may not be reviewed by any court of law or any administrative agency.” Right; “non-reviewable” supremacy. Congress, of course [more...]

Date: 2008-09-23 02:29:12

Merits Brief in Jerman v. Carlisle

Today Howe & Russell filed the petitioner’s brief in Jerman v. Carlisle , No. 08-1200 . The petitioner’s brief is here . The question in the case is whether the so-called “bona fide error” defense of the Fair Debt Collection Practices Act applies to mistakes of law. Howe & Russell represents the petitioner, along with the Stanford Supreme Court Litigation Clinic, Stephen Felson and Edward Icove. [more...]

Date: 2009-09-21 15:32:42

“Levy’s decision to replace Jol with Ramos has been catastrophic” - Andy Dunn

Comment &amp; analysis round-up Quote of the day: “Some of the stuff I’ve had to deal with has been soul-destroying and my family has stopped reading the papers. There’ve been people saying I’ve had two heart attacks and that I’m ready for a third, others saying I need my head examined. I didn’t envisage any of this, not in the slightest [more...]

Date: 2008-10-05 10:02:08

The Text Of A Speech I will Deliver Today To The Rotary Club

When Phil Dunbar first approached me on the subject of speaking I was somewhat hesitant although I might not have said so. I am typically a shy person in a lot of respects, and tend to be a real homebody…and have always had some difficulty with the public speaking thing. I clearly remember the first speech I ever gave [more...]

Date: 2009-01-13 11:38:00

Can a Creditor Collect on Discharged Debt?

Original creditors and collection agencies will often collect on discharged debt, debt absolved by bankruptcy, and even debt that’s been settled. This is debt that can’t legally be collected on via a civil court judgment. However, collection agencies won’t let a little thing like your legal rights stand in the way of their profits. See also [more...]

Date: 2009-01-03 02:57:25

The G-20 Washout By Mike Whitney

November 18, 2008 — dandelionsalad Dandelion Salad By Mike Whitney November 17, 2008 “Information Clearinghouse“ As expected, the G-20 Economic Summit in Washington turned out to be a total bust. None of the problems which have pushed the global economy to the brink of disaster were resolved and none of the main players who gamed the system with [more...]

Date: 2008-11-18 15:30:23

ALA2008 Privacy Revolution Panel

does anyone care if their library records are being tracked? should they? ALA OIF has received a grant from the Open Society Institute/Soros Foundation to explore the issue of privacy in the digital age Panelists: Dan Roth (Wired), Cory Doctorow (CrapHound), and Beth Givens (Privacy Rights Clearinghouse) [more...]

Date: 2008-06-30 07:27:11

14th December 2008 - Who's made a mark this week?

I'm actually away at the moment so some of the posts before and after this one have been scheduled in advance - such a great facility! This is a lightweight version of my normal post and is missing images - which are difficult to do on the computer /connection I'm using connection. I'll be back to normal posting next week - I hope ( [more...]

Date: 2008-12-14 08:00:00

What Is A Third Party Collection Agency?

What Is A Third Party Collection Agency? The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. [more...]

Date: 2009-09-18 23:52:55

Berries And Cream - My Little Bastille Day

Allright before I get on to this dessert and explain this post title, ... - A Collection of Charleston Recipe", and I am sure it will find a good home among one of you. I have read ... . I also know that it is available through Amazon Germany and since Amazon France seems to deliver [more...]

Date: 2008-07-14 05:40:00

Reunion.com Revisited

Following in the expected path of her earlier ruling, District Judge Maxine Chesney again dismissed an anti-spam lawsuit against Reunion.com. This time, the Judge also threw in a tenuous constitutional holding for good measure. Count this ruling as yet another one muddying the distinction between fraud lawsuits and anti-spam lawsuits and [more...]

Date: 2009-01-10 02:39:51

Philippine Fair Debt Collection Practices Act

Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in ... Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices ... : There is abundant evidence of the widespread use of abusinve, deceptive, and unfair debt colle [more...]

Date: 2008-11-26 22:43:50

Choosing a Credit Repair Firm

Credit repair is a million dollar industry with a lot of scams. Finding a loan with poor credit isn’t hard, getting a decent interest rate can be ... so you can qualify for low rate loans and credit cards. Debt settlement and debt consolidation ... . When you clean up your credit report you end up saving hundreds, if not thousands, of dollars [more...]

Date: 2009-01-15 18:49:38

How to Fight Debt Collectors

List of Credit Card Debt This guide is designed to equip you with the information you need to fight debt collectors attempting to collect ... General for more information about your state’s debt collection laws. If you’re especially ambitious, read the Fair Debt Collection Practices Act (FDCPA) or summaries of the salient details. Those laws [more...]

Date: 2008-08-25 11:22:32

Collection Agency Scare Tactic: We’ll Get Your Driver’s License Suspended

Collection agencies never seem to have enough tricks up their sleeves for scheming and lying to debtors. Most recently, it was brought to my attention by a reader that a collection agency had threatened to have his Washington State Driver’s License suspended if he didn’t satisfy a debt. Considering [more...]

Date: 2009-01-05 00:12:32

Project Humanbeingsfirst Index

Honorific of the day “you are a completely stupid fool, a disgrace to humanity” -- Paul Craig Roberts, United States Former Assistant Secretary of the Treasury, Dec 06, 2008Quote of the day “The answer to 1984 is 1776” -- Alex Jones “The answer to 1776 is the USA Patriot Act” -- The Chairman “The answer to Patriot Acts anywhere is Gandhi” [more...]

Date: 2009-01-11 22:40:00

by Zahir Ebrahim featured writerDandelion SaladZahir’s blog postProject Humanbeingsfirst Jan ... . You have explained credit very well in your excellent book Web of Debt (and I am half-way through it), and so has Paul Grignon in his outstanding video Money as Debt. Please understand that “Thou Shall Not Kill” [more...]

Date: 2009-01-13 20:44:07

This week’s think-tank roundup..

A weekly roundup of publications, reports, events &amp; articles from the leading UK think tanks ... – ‘Featuring a foreword from Schools Minister Andrew Adonis, this collection brings together ... policy after 9/11’ edited by Alan Johnson. The Hansard Society have published a report called “Law [more...]

Date: 2008-07-19 07:53:26

Debt Collectors Joke About Violating the Law

Watch this video to see how funny debt collectors think it is to call your neighbors and relatives when trying to collect a debt ... but it is not. It is a violation of the Fair Debt Collection Practices Act for a debt collector to contact a third party regarding your debt. If you have been the victim of abusive debt collection, please [more...]

Date: 2009-01-11 22:19:36

The Man Who Knew Too Much (1956)

d. Alfred Hitchcock. United States. 120 mins. If the question is which of Alfred Hitchcock's two versions of The Man Who Knew Too Much is better, ... into debt. Hitchcock had given MacPhail money directly and also contributed to a friendly group collection ... although to be fair, the lion's share tend to side with the 1934 British version instead of [more...]

Date: 2009-01-09 01:37:00

Bank of America Refuses a Hardship Application

I was recently contacted by a full time college student with five credit card accounts ... his credit as much as possible. All of the credit card companies, with the exception of Bank of America ... , I have scoured the net for info regarding my debt, and yours is definitely one of (if not the most [more...]

Date: 2009-01-04 01:28:29

Debt collection tactics come under scrutiny

Debt collection firms may face a government crackdown amid concern about the "aggressive" tactics used by some, such as chasing the wrong people and refusing to deal with debt advisory services. Gareth Thomas, the consumer minister, told the Guardian he had summoned the debt collection industry's main trade [more...]

Date: 2008-11-18 00:06:10

Credit Repair After Bankruptcy

by Matt Douglas With a bankruptcy mark on your report your score will be lowered considerably. However there is hope, you can remove this mark and by building some positive credit you can create a good score. The truth is that this mark does not have to remain on your credit for 10 years. To remove it we suggest: 1 [more...]

Date: 2009-01-04 12:44:30

Credit Scores: New Threats

Credit Scores: New Threats Credit Scores: New Threats A long-delayed update to the leading credit scoring formula is rolling out in 2009, ... . If your credit card issuer slashes your credit limit — which is increasingly likely these days — you could ... by lawsuits between its creator, Fair Isaac, and the nation's three main credit bureaus. Fair [more...]

Date: 2009-01-15 16:51:33

Collector Threatens Jailtime Over Dead Debt [Debt Collectors]

Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... of limitations on the debt has well passed and threatening to send a debtor to jail is a violation of Federal law ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]

Date: 2008-10-24 21:04:06

Why Phone Conversations with Bill Collectors is a Bad Idea

A highly trained bill collector knows how to get the most money out of defaulted debtors ... % of your payment to the collection agency. So if they get you to cough up $100… they just made $25 buckaroos ... quota they can be let go. A collection agency needs bill collectors that can produce dollars while [more...]

Date: 2009-01-08 02:36:42

Tough Negotiations With Credit Card Companies

One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]

Date: 2009-01-02 14:39:44

Afni Inc

Anderson Financial Network or commonly referred to as Afni Inc, is a collection agency based in and operating from Bloomington, Illinois ... is not uncommon and that is what Afni collection agency has been doing over the years. Debt ... that the demand by Afni collection agency is valid, it is best to settle the debt or else the debtor can defend [more...]

Date: 2009-01-06 01:04:01

Project Humanbeingsfirst Index

Honorific of the day “you are a completely stupid fool, a disgrace to humanity” -- Paul Craig Roberts, ... on Terror' News Analysis in Context Financial Terrorism November–December 2008 Financial News Analysis in ContextLatest Reports Response to Ellen Brown's 'How to Resolve the Credit Crisis' January [more...]

Date: 2009-01-14 00:03:00

The Fair Debt Collection Practices Act

One of the most frustrating parts of falling behind on a debt is when the creditor loses patience in trying to collect on their own and sends your ... to historically to collect debts and the Fair Debt Collection Practices Act was put into place to protect ... was a consumer rights issue. Prior to the Fair Debt Collection Act being passed, borrowers were [more...]

Date: 2008-04-20 07:13:07

Baby-Sitting the Economy

Baby-Sitting the Economy The baby-sitting co-op that went bust teaches us something that could save the world.By Paul Krugman Posted Friday, Aug. 14, 1998Twenty years ago I read a story that changed my life. I think about that story often; it helps me to stay calm in the face of crisis, to remain hopeful in times of depression, [more...]

Date: 2009-01-12 18:41:00

Fair debt collection practices

Fair debt collection practices January 14, 2009 Business The Fair Debt Collection Practices Act can be a debtor’s best friend and ally during the debt collection process. Creditors and their agents are held to this set of standards ... or disrespect Brisbane Debt Collection “on sight”; their industry is often maligned for the uncouth actions [more...]

Date: 2009-01-14 13:13:39

Debt and Debt Harassment

One thing you may not realize when you first start to accumulate debt, is the possibility that you could get in over your head ... can escalate quickly. If the collection agency fails to resolve the debt with you in the amount ... . That is when debt collection harassment begins. If you have been through it you know how it goes. First [more...]

Date: 2009-01-14 15:08:33

Erase Bad Credit

by John Cooper If you have bad credit there is hope ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account. Recent [more...]

Date: 2009-01-14 18:52:30

The Bad Credit Hotel Online Game

Are you suffering from too much debt? If so, then maybe you need to spend a night at the Bad Credit Hotel ... inside it? What is a credit score and where is it based? Information about credit counseling ... . It hopes to teach young people about responsible credit card use and educate them regarding debt [more...]

Date: 2008-11-23 18:14:40

The Bill Collector Letter That Shuts Them Up

The Bill Collector Letter That Shuts Them Up by Sean PayneDo you remember the feeling you get when a letter from a bill collector shows up in the mail? The queasy feeling you get in your guts when you’re told that you owe money that you are unable to repay? And later on, when the phone calls and letters hound you for money that you don’t have?Now is the time to turn the tables on those debt-collecting predators. [more...]

Date: 2009-09-28 13:36:48

Think-tank Roundup 18 - 18th July 2008

Think-tank Roundup 18 - 18th July 2008 From the desk of cassilis ·July 18, 2008 at 12:35 pm · Filed under All WW, Blog Roundups, Media, Politics, ... education – ‘Featuring a foreword from Schools Minister Andrew Adonis, this collection brings together ... Law in the Making: Influence and Change in the Legislative Process”. The report “analyses [more...]

Date: 2008-07-18 11:35:53

Zombie Debt Collectors Find You At Grandma's []

Palisades Collection is offering Jeremy a great deal: he can pay half off his debt of $237.64 and get the account settled! ... " from Palisades Collection. It stated that I owed $237.64 and I could pay half of the "debt ... on, the debt has passed the statute of limitations, and he got it expunged from his credit report years ago [more...]

Date: 2008-09-10 16:05:23

Credit Scores: New Threats

Credit Scores: New Threats Credit Scores: New Threats A long-delayed update to the leading credit scoring formula is rolling out in 2009, ... by lawsuits between its creator, Fair Isaac, and the nation's three main credit bureaus. Fair Isaac says ... in several areas, including: Collections. The new formula ignores small collection accounts in which [more...]

Date: 2009-01-14 03:39:51

Credit Scores: New Threats

Date: 2009-01-12 21:05:27

Know your debt collection rights

Know your debt collection rights Tracy Coenen Aug 26th 2008 Filed under: DebtI'm a firm believer that those who owe money should pay it ... collectors who violate the law when it comes to contacting you about your debt. It's important ... Collection Practices Act sets forth the rules that debt collectors must follow, and the rules [more...]

Date: 2008-08-26 17:57:54

California Debt Consolidation

California Debt Consolidation January 16th, 2009 Debtors are the ones who face tough times ... in the deferred presentment business would therefore be termed as illegal in California. The debt consolidation ... in California through their debt consolidation loan help you to improve your credit score. They abide [more...]

Date: 2009-01-16 04:11:25

Reversing Bush economic blunders not enough

Another report card on Bush administration economic policies points up eight years of spectacular and remarkably consistent ... ’s tenure, the most tepid growth over any eight-year span since data collection began seven decades [more...]

Date: 2009-01-14 07:44:53

The goals of Real Estate Asset Protection

Keep the ownership of the real estate anonymous. Anonymous Panama Corporations and Anonymous Panama Foundations do this extremely well; ... Firm for asset protection so you have attorney client privilege. The law firm used should ... and equitable you wouldn’t be reading this. Don’t make the mistake of using a law firm in another country [more...]

Date: 2009-01-11 16:50:50

Personal Finance Review - Lost Camera Edition

Canonpowershot What’s your favorite digital camera? Ours walked away while my wife and son were at the State Fair last week ... like to welcome Jason of Frugal Dad to our little collection of sites known as The Money Writers. I’ve [more...]

Date: 2008-08-23 04:46:10

Is Volkswagen Violating The Fair Debt Collection Practices Act? [Debt]

Tim's neighbor received a call from VW Credit asking her to walk across the street and leave a note on her neighbors' front door and VW Bug asking ... , and they are a direct violation of the Fair Debt Collection Practices Act. Tim writes: My neighbor "Pam" recently ... not communicate, in connection with the collection of any debt, with any person [more...]

Date: 2008-09-27 18:15:03

US Consumers $1 Trillion in Credit Card Debt

I tell you, the more I read about the antics of credit card companies (jacking up interest rates, etc) ... of how many debt collection companies are abusing consumers makes me cringe. I’ve walked in those abused ... consumers to the unscrupulous and minimally regulated world of debt collection. Credit card companies [more...]

Date: 2009-01-14 07:45:57

Is Volkswagen Violating The Fair Debt Collection Practices Act? [Debt] (pfblogs.org)

Tim's neighbor received a call from VW Credit asking her to walk across the street and leave a note on her neighbors' front door and VW Bug asking ... , and they are a direct violation of the Fair Debt Collection Practices Act. Tim writes: My neighbor "Pam" recently lost ... . The representative was from VW Credit agency. They get to chatting and the rep [more...]

Date: 2008-09-27 21:17:51

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