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Are Creditors Calling you at Work?: If you Tell the Creditor not to They are Violating the Law

Are Creditors Calling you at Work?: If you Tell the Creditor not to They are Violating the Law | miscellaneous | Scoop.it
Federal law has ways of protecting consumers from dealing with telephone calls at work from creditors and debt collectors. This right to not receive debt collection calls at work can be exercised in two different ways, depending on who is calling the consumer.
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Mims v. Arrow Financial Services, LLC: Lawsuits Stemming from Automated Phone Calls Can be Brought in Federal or State Courts

The Telephone Consumer Protection Act (TCPA) was in enacted in 1991 in response to consumer complaints about the abuses of telephone technology. It was determin
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Vincent v. The Money Store: Broadens the “False Name” Exception to the FDCPA

Under the Fair Debt Collection Practices Act (FDCPA) civil liability is imposed on debt collectors who engage in prohibited debt collection practices. It is an
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Lenders are not Required to Report to the Three Credit Bureaus

How information is supplied to the three credit reporting agencies is governed by the Fair Credit Reporting Act (FCRA). However, the law does not say that lend
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What Corporations Should Know About the FCC’s New Telemarketing Rules: Effective October 16, 2013

Last year the Federal Communications Commission (FCC) adopted several very significant changes to the Telephone Consumer Protection Act (TCPA). The changes to the regulations will become effective on October 16, 2013.
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The Better Business Bureau Advises Consumers About Legitimate Debt Collectors vs. Scammers

The Better Business Bureau Advises Consumers About Legitimate Debt Collectors vs. Scammers | miscellaneous | Scoop.it

The Better Business Bureau (BBB) has recently issued an alert about the growing number of complaints about scam debt collectors over the past year. The BBB also advised consumers to learn about how to determine what is a legitimate debt collection effort and what is a scam. This can be a difficult assessment because some debt collectors are able to convincingly play the part of a legitimate collector. The likelihood of success is also increased due to the fact that many people have never experienced a debt collection effort. We do not know what debt collectors can and cannot do, nor do we understand our rights to certify the debt.

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http://www.westopdebtcollectors.com/blog/the-better-business-bureau-advises-consumers-about-legitimate-debt-collectors-vs-scammers.html

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Express Consent Can be Revoked Under New TCPA Ruling

A new ruling out of the Third Circuit Court of Appeals has held that the Telephone Consumer Protection Act (TCPA) allows consumers to revoke their prior consent
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Recent Seventh Circuit Decision finds that Attorney’s Faxes Were Unsolicited Advertisements Under the TCPA | YouBlawg

Recent Seventh Circuit Decision finds that Attorney’s Faxes Were Unsolicited Advertisements Under the TCPA | YouBlawg | miscellaneous | Scoop.it
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The Telephone Consumer Protection Act (TCPA) generally prohibits most unsolicited advertisements sent by fax. In a recent case, faxes sent from an attorney that alerted the recipients to the availability of his services, even though they were styled as newsletters, were considered unsolicited advertisements under the TCPA by the United States Court of Appeals for the Seventh Circuit.

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Making the Removal of Negative Credit Information from Your Credit Report Part of Your Negotiation with Debt Collectors

Negative information on your credit report can seriously affect you financially. For example, it can make it difficult to obtain loans. During negotiations with a collection agency over the payment of a debt, you should consider making the removal of negative credit information on your report part of the negotiations. If you and the debt collector have come to an agreement on the payment of a debt, make sure that it has been agreed to that the debt will be marked as “paid in full” on your credit report.

 

 

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Further Crackdowns on Abusive Debt Collectors: FTC Issues Fines and Steps up FDCPA Enforcement to Protect You

Consumers who are deep in debt have enough to worry about without being continuously harassed by debt collection companies. According to federal data, there are around 30 million Americans that have debt that is under collection. Some of the abusive debt collectors make harassing phone calls, sometimes even late at night. They may also use threats, saying that they will contact a consumer’s employer, file a lawsuit, or have the consumers wages garnished. However, authorities are beginning to go after abusive debt collectors, including our post last week regarding the Consumer Financial Protection Bureau.

 

 

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What Will You Need to Properly Manage a DUI Situation?

What Will You Need to Properly Manage a DUI Situation? | miscellaneous | Scoop.it
You have been arrested for Driving Under the Influence (DUI) and now you are facing your future with uncertainty. The first thing to consider is the fact that you cannot change the past. The arrest has happened and the court date has been set.
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U.S. consumer bureau plans to crackdown on abusive debt collectors

U.S Consumer Bureau Plans to Crackdown on Abusive Debt Collectors Author: Adam J. Krohn There are more than 4,500 collection firms in the United States. While m
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OVERVIEW OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA - WeStopDebtCollectors

The Fair Debt Collection Practices Act (FDCPA) is a comprehensive federal set of federal laws meant to combat and prevent the abuse practices by debt collectors that they employ on debtors.
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Have You Given Telemarketers Prior Express Consent Under the TCPA?

Have You Given Telemarketers Prior Express Consent Under the TCPA? | miscellaneous | Scoop.it
Under the Telephone Consumer Protection Act (TCPA), companies are now required to obtain prior express written consent before they can make telemarketing calls using an automated dialing system or an artificial or prerecorded voice to a wireless number or before calling a residential line by using a prerecorded voice.
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Mims v. Arrow Financial Services, LLC: Lawsuits Stemming from Automated Phone Calls Can be Brought in Federal or State Courts

Mims v. Arrow Financial Services, LLC: Lawsuits Stemming from Automated Phone Calls Can be Brought in Federal or State Courts | miscellaneous | Scoop.it

The Telephone Consumer Protection Act (TCPA) was in enacted in 1991 in response to consumer complaints about the abuses of telephone technology. It was determined by Congress that because telemarketers were escaping state prohibitions on nuisance calls, federal legislation was necessary. Some of the invasive telemarketing practice the TCPA bans include:

 

 

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The consumer financial protection bureau wants to hear from consumers about their bad experiences with debt collectors

Many people have bad experiences with debt collectors and the Consumer Financial Protection Bureau (CFPB) wants to hear about them. They are preparing to update
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Lenders are not Required to Report to the Three Credit Bureaus-WeStopDebtCollectors

How information is supplied to the three credit reporting agencies is governed by the Fair Credit Reporting Act (FCRA). However, the law does not say that lenders are required to report any information to them. Major banks generally do report information to all the credit bureaus. Credit unions and small local or regional banks may only report to one or two, but generally not all three. There are also some lenders and others who do not report to any credit bureau.

 

 

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The better business bureau advises consumers about legitimate debt ...

The Better Business Bureau (BBB) has recently issued an alert about the growing number of complaints about scam debt collectors over the past year. The BBB also
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PressReleaseSpider - Express Consent Can be Revoked Under New TCPA Ruling

Express Consent Can be Revoked Under New TCPA Ruling
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Express Consent Can be Revoked Under New TCPA Ruling

Express Consent Can be Revoked Under New TCPA Ruling | miscellaneous | Scoop.it
A new ruling out of the Third Circuit Court of Appeals has held that the Telephone Consumer Protection Act (TCPA) allows consumers to revoke their prior consent to being called through the use of an autodialer or prerecorded voice.
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Image Credit - consumerfsblog.com

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Learn how the Experienced Attorneys at Krohn and Moss Can Help Fellow Lawyers and Law Firms: What Happens Under the FDCPA When an Attorney “Regularly” Collects Debts?

Attorneys have known since 1995 when Heintz v.
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Further Crackdowns On Abusive Debt Collectors: FTC Issues Fines And Steps Up FDCPA Enforcement To Protect You

Further Crackdowns On Abusive Debt Collectors: FTC Issues Fines And Steps Up FDCPA Enforcement To Protect You | miscellaneous | Scoop.it
Consumers who are deep in debt have enough to worry about without being continuously harassed by debt collection companies. According to federal data, there are around 30 million Americans that hav...
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U.S. Consumer Bureau Plans to Crackdown on Abusive Debt Collectors

U.S. Consumer Bureau Plans to Crackdown on Abusive Debt Collectors | miscellaneous | Scoop.it
There are more than 4,500 collection firms in the United States. While many debt collectors follow the rules laid out under the Fair Debt Collection Practices Act (FDCPA), there are others who do not ...
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The U.S. Court of Appeals for the Second Circuit Rules that a Collection Letter with a Written Dispute Demand Violates the FDCPA

The U.S. Court of Appeals for the Second Circuit Rules that a Collection Letter with a Written Dispute Demand Violates the FDCPA | miscellaneous | Scoop.it
A recent case, Hooks v. Forman, Holt, Eliades & Ravin, LLC, the U.S.
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U.S. Consumer Bureau Plans to Crackdown on Abusive Debt Collectors - WeStopDebtCollectors

There are more than 4,500 collection firms in the United States. While many debt collectors follow the rules laid out under the Fair Debt Collection Practices Act (FDCPA), there are others who do not because they did not fall under the FDCPA’s jurisdiction. Debt collection complaints are common, with more complaints made against debt collectors to the Federal Trade Commission (FTC) than any other industry.

 

 

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