Class action against debt collectors

Surely it would have been possible to line up a lead plaintiff who did not himself turn out to run a competing collection agency Tags: class actions , debtor-creditor law , Minnesota Related posts July 13 roundup (0) Yogurt marketing class action (1) Yet more from the publicity file (0) Yes, I’m being facetious (16) Xbox 360 lawsuit bogus? (0) [more...]

Date: 2009-09-29 04:30:35

Blog posts (228) | Videos (98)
 

Bailing Out American’s Credit Card Debt

We have been hearing a lot of talk lately about bail outs.  We bailed out Wall St ... collection agency than Uncle Sam. The end results ... for $16,635 in debt, excluding mortgages, according to Experian.  The average credit card interest rate [more...]

Date: 2009-01-09 08:20:46

Debt a Glossary of Terms

Debt a Glossary of Terms Posted in January 2nd, 2009 Category:Debt Consolidation Bankruptcy - Having been legally declared financially insolvent ... . Collection Agency - ... [more...]

Date: 2009-01-03 01:21:40

consumer credit counseling

A consumer credit counseling service may be right for you if you are behind on your debts and not being able to make even the minimum payments. A reputable credit counseling agency can help to stop collection calls ... into one lower monthly payment. Some of them can help you have your debt paid off in three to five years [more...]

Date: 2008-11-28 02:21:05

"All political power comes from the barrel of a gun"

Thousands bankrupted over unpaid council tax - Times Online Bailiffs were used in 1.2 million cases to recover council tax arrears last year, and 2 ... -collection agency the next. It is extraordinary how less free citizens are in this respect than ... ,...Bailiffs have for hundreds of years been denied powers to break into homes for civil debt or to use [more...]

Date: 2009-01-07 06:36:12

Bad Credit Repair

by John Cooper If you have bad credit there is hope ... has likely been sold to a collection agency. Thus the credit card issuer has no reason to save ... intervention, escalated dispute information requests, and debt validation. You can also help your credit [more...]

Date: 2008-12-30 23:30:54

Assessing Your Debt Situation

If your debt problems are behind you and you’re only concerned with cleaning up your credit report, skip ahead to Chapter 4, ... hassled by a collection agency, see Chapter 3, Section D. If you face an emergency, act on it at once ... into rebuilding your credit, take care of any financial emergencies. Then you should tally up your debt [more...]

Date: 2009-01-13 04:45:55

No Longer My Castle

Bailiffs get power to use force on debtors - Times Online Under the regulations, ... -collection agency the next. It is extraordinary how less free citizens are in this respect than ... Bailiffs have for hundreds of years been denied powers to break into homes for civil debt or to use [more...]

Date: 2008-12-22 07:40:45

Best Web Sites to Learn About Consumer Law Issues -- Our Chicago Consumer Attorneys Can Assist You in Your Lemon Law, Predatory Lending, Auto and RV Fraud, Unfair Debt Collection, Unfair Wage Practices Claims and Other Consumer Rights Lawsuits

[ consumer%20protection%20m-Chicago%20Consumer%20Protection%20Attorneys%20--%20Chicago%20Consumer%20Protection%20Lawyers%20--%20Chicago%20Class%20Act ... more trouble Managing credit card debt Stopping eviction, lockouts and utility shut-offs ... consolidation options How to find effective credit counseling agencies Alternatives to filing bankrupt [more...]

Date: 2009-01-04 18:28:31

RMC collectwhatever can kiss my butt.

I keep getting these totally ignorant phone calls from some collection agency about my Verizon bill. They claim that I owe Verizon, well them now because they bought the debt, the amount of $781.95 ... , they refuse to send me a paper notice of this debt, refuse to give me any kind of information [more...]

Date: 2008-11-04 02:17:23

Chapter 13:

Chapter 13: December 22nd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 01:38:35

Chapter 13:

Chapter 13: December 23rd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 04:22:27

Career Alliance debt climbs to more than half-million for improper spending

GENESEE COUNTY, Michigan -- The state has started formal debt collection of more than a half-million dollars against Career Alliance Inc., the taxpayer-funded job training agency that regulators say over-paid vendors, ran up unsupported credit card bills, and improperly spent... [more...]

Date: 2008-10-09 23:18:46

Canadian Tire Collection Agency call

So I received a suspected call from Canadian Tire asking me I owe them $3K. Apparently, I was surprised because I never own any Canadian Tire master cards or go there to shop. I don't owe them anything and out of the blue, they are asking me to pay up the debt [more...]

Date: 2009-01-14 01:52:38

Credit Repair Strategies Revealed

Discover How To Build Back A Good Credit Score & Get Out Of The Debt In The Shortest Time Possible! ... Creditors Credit Repair and Avoiding Court Credit Repair Collection Agency Options to Avoid in Credit [more...]

Date: 2008-12-22 14:39:42

IRS is willing to cut taxpayers some slack this year

IRS is willing to cut taxpayers some slack this year Jan 12th, ... out. The agency also launched a five-point plan to help those who are behind in past tax debts, giving IRS agents the ability to suspend collection actions, adjust payments for back tax bills and provide lenient [more...]

Date: 2009-01-12 04:21:16

Rubber Stamp Agencies

Ratings agencies are supposed to solve market failures, not create them ... investors to collect and analyze the information they need to make informed judgments about the quality ... are bound to develop: Debt Watchdogs: Tamed or Caught Napping?, by Gretchen Morgenson, NY Times: “ [more...]

Date: 2008-12-07 06:08:00

End times just keep on endin’

From the Washington Post: It was Wall Street’s version of an inside joke: Take a motley collection of largely unwanted assets, ... scrutinized. With these deals, known as collateralized debt obligations, the world glimpsed the raw ... itself of these toxic assets. Not only did no government agency or official try to stop the bond deals [more...]

Date: 2008-12-16 15:10:36

Sovereign Debts: Let the Downgrades Begin!

Making good its warning, the US credit rating agency Standard & Poor's downgraded the credit rating of Greece amidst a deteriorating economic ... the government's ability to improve its budget position through better tax collection and higher property or income taxes is offset by the rising cost of debt servicing and public pressure for additional [more...]

Date: 2009-01-15 11:27:00

Inflation is on Its Way

The public option for Obama insurance coverage has been described as just a sliver of the overall proposal. Universal coverage directly by government was not an essential element says Health & Human Services. Of course it was. The program is in retreat and the only way the Democrats can get passage of any kind is to re-craft a toothless passage and ram it through in a party line vote. The public is enraged at what the liberals and socialists have tried to foist on them. [more...]

Date: 2009-09-02 17:36:13

Get A Personal Loan When You Have Bad Credit

What Is A Credit History? Before you follow a loan of any typewrite, it’s important to know more about your credit history. It is a storage of all your ago financial commitments and contains message about your payment reliability and the unit quantity of debt you’re carrying. Banks and separate lenders care at this achievement to make your creditworthiness, unremarkably by distribution you a credit ground. The lower your credit grievance the little believable a lender is to underwrite your loan. [more...]

Date: 2009-09-23 20:02:07

ScamBuster 267

Nice To Meet U” With love and passion i wish to say compliment of the great season and best wishes in all you do this day. How are you and the environment over there? I’m pleased to meet you.My names is Vanina Frank from USA.I live and work in my country with the World Youth Organization For Human Welfare here in the United State and by the grace of the Almighty God I’ll be visiting Africa for the first time in my life for a combined International Conference.I’m one of the Organizer Organizing [more...]

Date: 2009-09-09 08:04:58

How To Recover Old Written Off Debts

If there’s one thing that makes business owners madder than a wet hen it’s writing off a bad debt knowing some rat-bag will walk away scott-free. However, what few people realize is that there’s an extremely powerful tool that can recover some or all of your old debts… even years after you wrote them off. Now it may come as a surprise but there’s absolutely nothing that prevents you from collecting a debt today that you wrote off even 5 years ago. [more...]

Date: 2009-09-03 12:18:04

An Introduction to Working at Home

Technology is evolving at a rapid rate. One of the results of this technological improvement is the way people communicate. The revolution in communication has lead to newer ways of doing business. Working at home is one such phenomenon that has been possible by the advance in communication technology. The phenomenon has gained wide acceptance in the past few years as a novel way of doing business. Working at Home has obviated the need for commuting to an office and working. [more...]

Date: 2009-08-27 12:13:30

New S.E.C. Rule Increases Risk of Insider Trading

The Securities and Exchange Commission spends a lot of time and money trying to discover insider trading in stocks. But when it comes to structured financial products — the funny securities that were at the heart of the financial crisis — it has just adopted a proposal that will facilitate such trading, The New York Times’s Floyd Norris writes in his latest column.It did that in the name of reforming the credit rating agency system. [more...]

Date: 2009-09-25 12:08:29

How To View Credit Report History Online

August 29, 2009 | By Andy Zain In Finance | by Andy ZainYou can go online right now to a variety of different websites and view credit report history for your social security number. You can see everything that a lender or creditor would see if they ran your credit, plus other things. The question is why you need to spend your time doing this, not just right now but on a continual basis into the future as well. The mistakes that can be on your credit report right now may surprise you. [more...]

Date: 2009-08-29 15:08:15

Boost Your Credit Score

Boost your credit score by collecting all your bills and financial papers and giving them a spring cleaning, regardless of the time of year. Everyone wants a perfect credit score of 85 or to increase their credit rating to the best possible credit score. This is the main factor lending agencies consider when extending a loan or approving credit cards. Lenders want to know your payment history and credit scores are the way they get this information quickly and easily. [more...]

Date: 2009-09-09 05:36:34

Why The Dollar May Not Be Doomed

By Charles Hugh Smith, OFTWOMINDS The consensus is nearly universal that the dollar is doomed. Perhaps there are other forces at work beneath the surface. It seems a given now that the U.S. dollar is doomed to either slow depreciation or devaluation. Perhaps–but the consensus seems too easy. Yes, money supply and liquidity have exploded as the Fed and Treasury fight deflation, and yes, history suggests expanding the money supply debases the currency. [more...]

Date: 2009-09-25 03:57:49

Written Off Debts: How To Recover Them

If you’ve ever written off a debt in the past 5 or so years chances are you’ve given up all hope of ever seeing a cent of that money. However, what few people realize is that there’s an extremely powerful tool that can recover some or all of your old debts… even years after you wrote them off. Now it may come as a surprise but there’s absolutely nothing that prevents you from collecting a debt today that you wrote off even 5 years ago. [more...]

Date: 2009-09-03 12:19:06

3 Notable Points To Consider When Hiring A Debt Collection Agency

3 Notable Points To Consider When Hiring A Debt Collection Agency To operate a organization effectively, every owner has to stay on top of their receivables and monitor their cash flow. Whether you market a product or give a service, you probably have to deal with late-paying or none-paying customers from time to time. That means that you have to have a sound, uniform internal debt recovery policy in place. [more...]

Date: 2009-09-16 16:27:05

Be the Consumer Credit Card Debt Collectors Do Not Want to Collect From

Most people would simply rather pay their credit card debts than deal with collection phone calls and collection attorney letters. But, what about those who cannot afford to make monthly minimum payments on their credit card debt? Many fall prey to the debt collection industry. Some, however, become educated consumers and use the law to force debt collectors to spend their time with other, less knowledgeable consumers. [more...]

Date: 2009-09-19 16:24:13

Written Off Debts: How To Recover Them

If you’ve ever written off a debt in the past 5 or so years chances are you’ve given up all hope of ever seeing a cent of that money.However, what few people realize is that there’s an extremely powerful tool that can recover some or all of your old debts… even years after you wrote them off.Now it may come as a surprise but there’s absolutely nothing that prevents you from collecting a debt today that you wrote off even 5 years ago. [more...]

Date: 2009-08-31 08:57:25

Bank of America smashes Acorn

Acorn has taken some huge hits from the money givers that fund their activities legal and otherwise.   The next after Census Bureau, Senate, House of Representatives and other Governmental Organizations, now have Bank of America who apparently used them or worked with them in predatory loans that were such a problem for the country that caused the collapse of U.S. [more...]

Date: 2009-09-29 06:05:34

Understanding Financial Statements and Annual Reports (3)

Accounting is the language of business. It is the vehicle for communicating financial information about a company to many different groups of people: managers, owners, creditors, investors, customers, suppliers, government agencies, economists ... is liquid enough to make debt payments and solvent enough to repay the loan principle if the business [more...]

Date: 2009-01-02 02:49:55

My Actual Costs – Europe – Summer 1998

Venice, Italy Thoughts on money for the budget-minded When it comes to travel, there are two things you can count on: (1) you’ll always find a cheaper exchange rate after you’ve traded your money, and (2) you’ll always go over budget. I don’t mean to be negative, but these are the Murphy’s Laws of travel. Yes, there are more, but this article is only concerned with money. [more...]

Date: 2009-09-24 12:59:34

Can Congress Bail Out of the Bailout? by Michael Hudson

Dandelion Salad by Michael Hudson Global Research, October 13, 2008 And what about the Fed’s Even Larger Giveaway? ... oligarchic elite, or in a debt cancellation, a Jubilee Year to rescue society. But when the government ... in a zero-sum game. A debt overhang always ends either in foreclosure of the debtor’s property [more...]

Date: 2008-10-14 00:46:15

What Happens When You Default on Your Student Loans?

As the economy tanks and employment skyrockets, the number of former students struggling to pay off their student loans is likely to grow, too.  While failure to repay any debt can have serious consequences, not making payments ... student loans are one of the only forms of debt that cannot be discharged in a claim of bankruptcy [more...]

Date: 2008-12-15 17:38:59

The Art of Debt Collection … By Neil Smith

12/1/08 If you have been in business for any amount of time at all, be it freelancing or running a larger operation, ... the debt collection process. Debt collection can be a tricky situation. If we send Louie with a baseball ... misleading because unfortunately when it comes to collecting from a deadbeat client, one collection letter [more...]

Date: 2009-01-10 02:16:22

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

Plowing Old Ground: New/Old Economic Outlooks

Welcome back to the New Year. In case you haven't noticed we've taken a bit of a hiatus - partly due to laziness and other workloads but also from a reluctance to put up the economic news, which is unrelievedly bad across the bad. Which doesn't mean we haven't been following and collecting the news as is our wont - just that we chose to exercise [more...]

Date: 2009-01-03 13:37:55

Mortgage Has Become A Dirty Word

The Times Union reports from New York. “Condos are a relatively novel housing type in both Catskill and Greene County, meaning the Tower project was an experiment of sorts. The units were rentals at first, but Tower bought the Marina Drive property in 2003, added 14 townhomes to the site, and last year put them up for sale [more...]

Date: 2008-10-01 15:15:55

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

Transcript: DICK Cheney on Fox News Sunday | The Exit Interview | December 21, 2008

(Source: CQ Transcriptswire) Editor’s Note: This portion of the show transcript contains only the Cheney interview. Mr. Chris WALLACE: Mr ... s package basically extends a line of credit to the companies for a specified period of time and also ... that’s a target. That’s not a restriction. The bond holders taking equity instead of debt — that’ [more...]

Date: 2008-12-21 20:13:21

Boston Tea Party Presidential candidate Charles Jay answers Obama-McCain debate questions

Posted at cj08.com (I wasn’t invited to Friday night’s presidential debate, but you knew I was going to weigh in anyway. My “participation” comes in the way of interspersing my responses into the actual text of the debate, which you will see below. All of those responses to the questions asked by moderator Jim Lehrer are in bold type [more...]

Date: 2008-09-27 18:49:05

Twitter Updates for TPA on 2009-09-16

Would You Like to Win a New Bike? The Paul Anderson Youth Home Annual Bike Ride Oct 1-8th Details on their site: http://payhbikeride.com/ # RT OSAuthoritySargent Steam was named one of the top 100 fastest growing companies in Utah http://ow.ly/pu7d Joyce Mathies LIVE! # RIP Patrick Swayze As a girl who grew up in the 80's he was in my book HOT!!! [more...]

Date: 2009-09-16 07:14:00

How to Safely Build Your Credit History

I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... and such, but I don’t know where to start. I’m worried about getting way into debt like some people ... (credit bureaus) that are in the business of collecting the information for credit reports - Experian [more...]

Date: 2008-09-23 20:00:35

Do it yourself Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... . You don’t need to rush into “debt consolidation” or “home equity loan.” You can work out a strategic repair plan for yourself. You will start by collecting all your credit reports, bill payment statements [more...]

Date: 2009-01-08 17:46:16

start with the indictments

the ramifications of the points made in this interview with structured finance guru janet tavakoli are profound ... and investment banks were not at all duped by rating agencies -- indeed, they knowingly exploited the conflicted interests and moral weakness of those agencies to sell trillions of loss-making loans [more...]

Date: 2009-01-09 14:03:00

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

As City Budget Falters, Many Look To TIF

Open government advocates have long squawked about Mayor Daley's unchecked authority to keep billions worth of property tax revenue off the books and under his control through Tax Increment Financing (TIF). For years, they've have called on aldermen not to sign off on new TIF districts, [more...]

Date: 2008-10-30 16:48:35

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