The Most Common Questions About Debt Collections

by Jon Ochs If this current economic slow-down has found you in a position of financial difficulty, ... that cannot be done by any non-attorney collection agency. Any company or law firm acting as a debt ... you may find yourself dealing with debt collection calls and letters. Here are some of the most [more...]

Date: 2008-10-21 19:54:23

Blog posts (156) | Videos (71)
 

Compliant Debt Collection

Far too many uninformed consumers give in to the overbearing intimidation and scare tactics of unscrupulous debt collectors, ... to them from debt collectors. The FDCPA is a strict liability law, which means that a consumer bringing ... Act.The Fair Debt Collection Practices Act is enforced by the Federal Trade Commission under its powers [more...]

Date: 2009-01-08 19:28:29

How to Research Debt Collectors & Understand the Law

This is the first guest post in a special How to Fight Debt Collectors series on Bargaineering.com. So you’ve received a debt collection call or letter… In this day and age where you have rampant foreclosures, layoffs and job losses, it is simply inevitable that an individual may come across a debt collector, and frankly even without these external factors, it may just happen by a chance wrong number or even being related to someone going through a hard time financially. [more...]

Date: 2009-09-28 11:02:18

California Court Approves Class-Action Lawsuit Against Debt Collector Accused of Abusive Tactics

Here is a press release I received from Public Citizen. I am forwarding it to you in case you were a victim of ACCS. WASHINGTON, D.C ... and described ACCS’s practices as “debt collection rather than law enforcement.”  Members of the class ... . - A California court has ruled that almost a million consumers who were victims of an overly [more...]

Date: 2008-12-04 23:16:45

August 20 roundup

Lawyers’ contingency fee is temptation to ethical corner-cutting in consumer debt collection, too ... -good “Donda West Law” but it won’t do much to keep impulsive clients from rushing into plastic ... fee, debtor-creditor law, endangered species, Indian tribes, legal discipline, medical, movies film [more...]

Date: 2008-08-20 10:32:48

There Is An Angel After All For Folks Facing Foreclosure

It seems there is at least one lawyer who is in business to help people facing foreclosure. Her name is April Charney ... to take possession of those homes. Her encyclopedic knowledge of contract law, debt-collection practice ... she help people in Florida, her knowledge is shared with lawyers in other states. She has given one day [more...]

Date: 2008-12-19 21:00:50

I Told Off The Debt Collector [Debt Collectors]

Some punkass debt collector called trying to get a hold of some lady he thinks my girlfriend knows. Here's roughly how the conversation went ... immediately. Muted. Under the Fair Debt Collection Practices act, debt collectors are allowed to contact ... break any rules, there's no law against having being condescending and arrogant. (Photo [more...]

Date: 2008-10-08 21:52:29

Restrictions on Wage Garnishment for Debt Collection

Many debtors that have defaulted on their credit card debt or other unsecured loans are concerned about their wages being garnished. Often collection agencies will threaten to turn your debt over to their ‘legal department’ ... for you… at no charge. The U.S. Department of Labor has developed The Federal Wage Garnishment Law [more...]

Date: 2008-11-30 16:13:23

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

Did collection calls contribute to Floridian's death?

Filed under: Credit , Debt Florida law firm Morgan and Morgan filed a first-of-its-kind lawsuit alleging that a company's collection calls were so frequent and harassing that they contributed to a person's death because they increased Stanley McLeod's blood pressure and stress levels. McLeod's debt problems stemmed from the fact that he had difficulty paying his mortgage because he had to quit his job at Sears after suffering a massive heart attack. [more...]

Date: 2009-09-17 19:00:00

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 ... get them into even more trouble Managing credit card debt Stopping eviction, lockouts and utility ... while you get back on your feet. When you cannot ignore a particular debt without serious [more...]

Date: 2009-01-04 22:18:05

Homeowners bank on new ways to fight foreclosures

News & TrendsEarly this year, homeowners in Cleveland filed a class action against financial titan Deutsche Bank, ... activity” that flies in the face of state law and the federal Fair Debt Collection Practices Act [more...]

Date: 2008-12-12 07:19:00

Get Collection Agencies Off Your Back

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... : Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer [more...]

Date: 2008-12-12 23:06:57

How To Get Collection Agencies Off Your Back, For Good

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... Commissions. Here's a sample Cease & Desist Letter: Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection [more...]

Date: 2008-12-12 23:10:08

How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere

Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]

Date: 2009-09-26 12:39:41

Anatomy of an International Debt Collection Case

Introduction In late June of 2003, I received an e-mail from Daniel Harris, who introduced himself as maritime lawyer from Seattle ... ://www.harrismoure.com and learned Dan owns a small international law firm in Seattle, called Harris ... to pay its debt. Bolshoretskoe’s debt to Daxin arose in July and December, 2002, when Daxin [more...]

Date: 2009-01-11 01:43:03

I ain’t your Bee-yotch….bitch!

+++warning!  foul mouthed rant ahead!++++ Despite the fact that there are 4 other folks in my office at any given time, ... the collection agency to stop calling for an employee, they are legally required to stop”.  (see the Fair Debt Collection Practices Act, governed by the FTC) Trust me, I’ve quoted this law to these blood [more...]

Date: 2008-09-05 15:08:48

Minnesotans may sue if a debt collector levies funds in a joint account

Back in November, I won an important decision for Minnesota consumers against Messerli & Kramer, a law firm that seems to handle the bulk of debt collection lawsuits filed in Minnesota. Messerli & Kramer served a levy on my clients’ bank for funds in their’ joint bank account, even though [more...]

Date: 2009-01-07 16:00:01

Insider Tips About The Chapter 13 Bankruptcy Forms

consumer law Chapter 13 bankruptcy forms are available to Americans in need to offer a second chance. You may berate yourself and wonder how you got into such a predicament, but the truth is that over one million people ended up filing bankruptcy forms in 2008 and the numbers are climbing in 2009. No matter what your case may be, you don’t have to suffer wage garnishment, foreclosure, repossession, insurmountable debts or harassing creditors and collection callers. [more...]

Date: 2009-09-08 17:54:32

News Roundup

Here are some law-related articles that recently came out: The Chicago Tribune reports that Afni, Inc., a debt collection company, must pay damages to 7,000 Cingular Wireless customers in Wisconsin who were illegally assessed collection fees. Florida attorney Tomas Gamba writes in a Miami Herald op [more...]

Date: 2008-12-10 04:15:05

Pre-Foreclosure Walkaways

From AP Mortgage law experts say the incentive to walk away from a home loan is highest in states that have anti-deficiency statutes, ... collection on an unsecured debt that can be readily dismissed. The bottom line really amounts ... , California, Connecticut, Florida, Idaho, Minnesota, North Carolina, North Dakota, Texas, Utah [more...]

Date: 2008-12-19 00:29:58

Anatomy of a Chinese Debt Collection Case

Introduction In late June of 2003, I received an e-mail from Daniel Harris, who introduced himself as maritime lawyer from Seattle ... Dan owns a small international law firm in Seattle, called Harris & Moure. I replied ... , 2003. Our task was to seize the pollock for Daxin to get Bolshoretskoe to pay its debt [more...]

Date: 2009-01-11 21:48:59

Clearer Tax Laws, Help for Struggling Taxpayers Urged

The seemingly endless reams of complex federal tax laws and regulations need to be simplified, ... Code New York Times: Gentler Tax Laws Urged on Debt Default CNNMoney: A Kinder, Gentler IRS? Wall ... on financially struggling taxpayers: "1) Make greater use of collection alternatives when economic [more...]

Date: 2009-01-09 17:03:22

Odd search keywords and phrases

One of the biggest sources of traffic to the Blogland is from search engine referrals ... and underhanded debt collection practices is still a top ten read), there are often well over 500 ... ", "insurance mailbox hit", "law hitting mailbox with car", and "offense for hitting a mailbox with car [more...]

Date: 2009-01-08 11:39:00

Anti-arbitration bills moving in the House

On Tuesday, the House Judiciary Subcommittee on Commercial and Administrative Law passed out three anti-mandatory arbitration bills, ... diligently on arbitration, yesterday released a new analysis of California debt collection arbitration [more...]

Date: 2008-07-16 14:15:31

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

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

Is It Time For A New Mortgage Calculator

If You Get A Call From Your Mortgage Company Realtor Federal and State laws are on the side of those who are in the unfortunate predicament of ... and respectability–as long as a collection agency is the one at hand, not the original creditor. Most people ... or personally involved in it. And very few realize that debt collectors are comprised of debt [more...]

Date: 2008-11-29 02:38:23

Can Collection Agencies Sue Me For Outstanding Debt?

Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]

Date: 2009-09-29 11:34:48

Forgiven Debt Isn't Really Forgiven At All

By Kate Luther If you've been struggling with the rest of the economy, chances are you've been forced to rethink your financial priorities. And as a result, credit cards are often the first thing to go. The good news is that once you get behind, many credit card companies will offer to "settle" your account, some for as much as just 40% of your original balance. And if you're looking at a large chunk of credit card debt, making it go away for 40% of its value sounds like a pretty good deal. [more...]

Date: 2009-09-22 13:00:09

Communique Issued and Obama Speaking Now

You can watch him live here: The text of the communique is below. Leaders’ Statement: The Pittsburgh Summit September 24 – 25, 2009 PREAMBLE 1. We meet in the midst of a critical transition from crisis to recovery to turn the page on an era of irresponsibility and to adopt a set of policies, regulations and reforms to meet the needs of the 21st century global economy. 2. When we last gathered in April, we confronted the greatest challenge to the world economy in our generation. [more...]

Date: 2009-09-25 21:36:12

3 Important Considerations When Hiring A Debt Collection Agency

by David P. Montana 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. Part of your policy should include knowing when to outsource difficult accounts to a debt collection agency. [more...]

Date: 2009-09-24 12:41:01

3 Notable Points To Consider When Hiring A Debt Collection Agency

by David P. Montana 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. Part of your policy should include knowing when to outsource difficult accounts to a debt collection agency. [more...]

Date: 2009-09-25 07:05:54

Boise, Idaho - Aggravated Battery charges top weekend arrests

Beer Bottle Fight, Officer Injured, Car into Tree; weekend incidents——————Arrested: Ashley N. Aguirre, 23, BoiseCharges: Aggravated battery (F)Boise police responded to a report of a fight at a bar on the 100 block of North 8th Street early Sunday morning (September 27th) at approximately 1:20 a.m. Multiple witnesses tell police that the suspect had been involved in a verbal altercation with a woman she knows. At one point, the suspect used a beer bottle to strike the victim in the head. [more...]

Date: 2009-09-28 19:26:59

Should You File For Bankruptcy?

Note: I am not a lawyer and the information I gathered here came from www.uscourts.gov . The information contained in this article should NOT be substituted for sound legal opinion, nor cited or relied upon as legal advice.   Bankruptcy is a legal process that can give you a clean financial slate and by going through bankruptcy, many if not most consumer debts can be forgiven. However, filing for bankruptcy is a very serious decision with serious financial and even emotional consequences. [more...]

Date: 2009-09-22 10:00:00

Idaho - Fatal Crash Claims 2 US95@306.5

T Meninick was NB US 95 @ mile post 306.5 when for an unknown reason swerved left through the median rolled onto its top and was struck by Madden’s oncoming vehicle in the SB lanes. Both occupants of Meninick’s vehicle died at the scene.  The road was blocked for approx 4 hours.DATE:  Sept 09/28/09        TIME: 0828   LOCATION: SB US95@306.5INVESTIGATING OFFICER:  Tpr YoderASSISTING OFFICERS/AGENCIES: Lt Oswald, Sgt Rouse, Cpl Koopman, Tpr Youngren, Tpr Kralik, Nez Perce County, Lewiston [more...]

Date: 2009-09-28 23:32:28

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Boise, Idaho - Arrest follows Erratic Driving, Pursuit

Driver in Custody after Driving Extreme Speeds through West BoiseBoise, Sept. 22, 2009. - Boise Police have arrested a man after he was seen by officers driving at extremely high speeds on several major roadways through West Boise as streets were crowded with rush hour traffic.Arrested: Richard Anthony Barnett, 37, no known address Charged: Eluding Police (F) 2 cts,   Reckless Driving (m), Resisting and Obstructing Officers (m), Driving Without Privleges (m)What Happened: Approx 4: 20 p.m. [more...]

Date: 2009-09-23 19:43:15

Boise, Idaho - Beer Bottle Fight, Officer Injured, Car into Tree; weekend incidents

Beer Bottle Fight, Officer Injured, Car into Tree; weekend incidents——————Arrested: Ashley N. Aguirre, 23, BoiseCharges: Aggravated battery (F)Boise police responded to a report of a fight at a bar on the 100 block of North 8th Street early Sunday morning (September 27th) at approximately 1:20 a.m. Multiple witnesses tell police that the suspect had been involved in a verbal altercation with a woman she knows. At one point, the suspect used a beer bottle to strike the victim in the head. [more...]

Date: 2009-09-29 16:18:24

Idaho - Motorcycle Crash near Swan Valley claims one

On September 27, 2009 at approximately 3:00 p.m., Idaho State Police and Bonneville County Emergency Crews responded to a crash on SH31 near mile marker 1, near Swan Valley.  Nicky Vallo, 70, and his passenger, Yolanda Vallo, 61, both of Victor, were traveling southbound on a 2004 Harley Davidson motorcycle when, for unknown reasons, they left the right side of the roadway and were thrown from the motorcycle.  Both were transported to Eastern Idaho Regional Medical Center where Nicky remains in [more...]

Date: 2009-09-28 12:36:40

Anger is BREWING…Newsletter 9/25/2009

Anger Is Brewing Newsletter Volume 26 September 25, 2009 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ in this issue Cap and Trade / HR 2454 Pants on Fire Action How & Now ACORN: Federally Funded Fraud HR 1207 / Federal Reserve Transparency Act Greetings! Anger is Brewing is on track for a fast and furious ACTION packed rest of 2008.  We have our work cut out for us! [more...]

Date: 2009-09-25 20:56:36

Boise, Idaho - Delivery of a Controlled Substance charges top overnight arrests

Delivery of a Controlled Substance charges top the overnight arrests in the City of Boise——————Arrested: Charles A. Patterson, 27, BoiseCharges: 2 counts of Delivery of a Controlled Substance (F), Possession of a Controlled Substance (Marijuana) (m)Boise Police Narcotics Detectives working as part of an ongoing BANDIT investigation that began in June of this year, purchased small amounts of marijuana from the suspect on two occasions at different public parking lots. [more...]

Date: 2009-09-22 19:19:39

How effective are debt settlement programs in US?

In this post, Robin Williams talks about the effectiveness of debt settlement programs in US. There are many companies that offer debt settlement program in United States but not all debt settlement firms can be relied upon. This is because greed has overpowered benevolence. And this is evident from the innumerable complaints that the state attorney generals, state regulators, BBB have been receiving over the past few months. [more...]

Date: 2009-09-19 10:10:16

Idaho - Single-Vehicle Crash in Snake River Canyon Claims One

At approximately 5:00 pm this evening, Idaho State Police and Jerome County Emergency Crews responded to a one-vehicle crash in the Snake River Canyon near the intersection of Golf Course Road and 600 S in Jerome County.  The driver of a tan Chevrolet Suburban was traveling on Yingst Road.  The vehicle went off the shoulder of the roadway for reasons which are still unknown, coming to rest at the bottom of the canyon.  The driver was alone and died at scene.  The name is not being released at this [more...]

Date: 2009-09-29 13:06:27

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

Vehicle Repossession: How To Pay The Deficiency Balance

Amazon.de Widgets When you finance or lease a vehicle, your creditor or lessor has important rights that end once you’ve paid off your loan or lease obligation. These rights are established by the contract you signed and the law of your state. For example, if you don’t make timely payments on the vehicle, your creditor may have the right to “repossess” — ­or take back your car without going to court or warning you in advance. [more...]

Date: 2009-09-22 04:20:47

Small-cap, mid-cap indices nudge higher

Volatility ruled the roost as the key benchmark indices slipped with investors taking home some cash ahead of a long weekend and with the market open only for three days next week. Mostly lower global stocks also weighed on sentiment. The market remains closed for a public holiday on Monday, 28 September 2009 and again on Friday, 2 October 2009.The BSE 30-share Sensex fell 88.43 points or 0.53%, up about 80 points from the day's low and off close to 120 points from the day's high. [more...]

Date: 2009-09-25 15:59:00

Electing The Fourth Reich…

http://www.wholetruthcoalition.org/category/hiddenhistory/   Are you fed up with the damage politicians and their political correctness have done to our country? Are you ashamed of what has become of our way of life, our health system, immigration laws, justice system, police, our national pride and morality and our once mighty armed forces? Are you angry enough to want to do something about it NOW? [more...]

Date: 2009-09-19 11:24:18

The Global Carry Trade and the Crimes of Patriots

This article was submitted by The Institutional Risk Analyst “In a government of laws, the existence of the government will be imperiled if it fails to observe the law scrupulously. Our government is the potent, the omnipotent teacher. For good or ill, it teaches the whole people by its example. If government becomes a lawbreaker it breeds contempt for law: it invites every man to become a law unto himself. [more...]

Date: 2009-09-28 15:37:24

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