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Scam Fax Promises Gullible Employees Vacation Package

Junk Fax

I just got this fax from my alleged H.R. Department, who is me. But you just know someone, somewhere is going to fall for this crap. This is clearly landing on the fax machines around the country and it appears to just be a pitch for some travel voucher and not an actual trip. You know you’ve got to worry ... Read More »

    Debt Cures Pitchman Behind Bars Serving 10 Year Sentence

    Kevin Trudeau

    Kevin Trudeau, the proverbial infomercial pitchman who has hawked and sold all sorts of miracle cure books is in the early days of serving his 10 year sentence by a federal judge. His current address is in a federal prison camp in Montgomery, Alabama. In the debt world Trudeau is best known for his 2008 book “Debt Cures “They” Don’t ... Read More »

      Take Charge America Deserves Pat on the Back

      Clapping Business People

      While this appears to be a press release sent out by Take Charge America it still deserves a pat on the back for the nonprofit credit counseling group taking action to defend against bad behavior by debt collectors. While it is not clear they took specific action against a specific debt collector, at least they are speaking up about consumer ... Read More »

        Ballsy FTC Scam Shut Down by FTC

        ftc

        In the world of scams, schemes, trips, and traps, this recent one certainly had the direct attention of the FTC. An entity was spoofing the FTC toll-free telephone number in caller ID and contacting consumers to get information from consumers. The ruse was the consumer was due a refund from some scam and the caller said they needed the personal ... Read More »

          HDRP Funding – National Hardship and Debt Relief Program

          img_18551

          An amazing reader Denise sent in a new debt relief mailer through my I Buy Junk Mail program. She received a mailer from HDRP Funding Department for something called the National Hardship and Debt Relief Program which they abbreviate as HDRP. It was sent from postal permit 507 in Santa Ana, California. The back of the check contains handwriting, presumed ... Read More »

            CFPB to Credit Card Companies – A Big Finger Wag on Offers

            cfpb

            Today the Consumer Financial Protection Bureau (CFPB) warned credit card companies against deceptively marketing interest-rate promotions. The Bureau is concerned that some companies are luring in consumers with offers of reduced or zero interest for a specific purchase or balances transferred from another credit card, and then hitting them with surprise interest charges. In the bulletin released today, the Bureau ... Read More »

              U.S. Department of Education Practically Prison Raped Over Student Loan Collections

              NCLC Report

              To say the National Consumer Law Center (NCLC) just took issue with the relationship between the U.S. Department of Education and private debt collectors would be like saying a pedophile Santa at the Mall was no problem. While I believe the U.S. Department of Education wants student debtors to be treated fairly and have access to all of the available ... Read More »

                Four Magic Words to Get Out of a Debt Collector Lawsuit

                angry caller narrow

                What I’m about to offer you can be used for good as well as evil so please use this information responsibly. Additionally, I always urge all of my readers to consult with an attorney licensed in their state for legal advice. I am not a lawyer. But over the decades I’ve been helping people with problem debt there is one ... Read More »

                  Are Debt Collection Companies Hated Too Much?

                  Alone and Lost

                  There is no shortage of reasons to be upset at debt collectors. Some are just assholes. But the problem is not all are. Some debt collectors actually want to help people to find ways to repay their debt. They want to play by the rules and follow the regulations. The bad debt collectors just give the entire industry a bad ... Read More »

                    Debt Settlement Nightmare Partially Over for Allegro Law Clients

                    upset young man

                    Back in 2009 one of the first debt settlement companies to colossally meltdown was a lawyer run company, Allegro Law. This case involved not only Keith Nelms, Esq. but dragged in groups like Americorp and people like Tim McCallan. A couple of days ago the Trustee in the Allegro Law bankruptcy case had finally cleared all the necessary hurdles and ... Read More »

                      Berges Law Group and Consumer Protection Counsel Still in Suit With a Twist

                      process

                      I got my hands on a copy of a recent court document on a suit by a consumer against Otto Berges, Berges Law Group, Paralegal Staff Support, and Consumer Protection Counsel. The suit out of Wisconsin alleges the companies and entities may have been intertwined in a effort to sell credit repair services. The motion from Judge Griesbach says, “the ... Read More »

                        New York AG Goes After More Mortgage Relief Firms

                        waving

                        As part of a joint federal-state sweep by the Consumer Financial Protection Bureau, the Federal Trade Commission and 15 states targeting scam operations that prey on financially struggling homeowners and those facing foreclosure. Along with the FTC and CFPB, attorneys general from the following states participated in the sweep: Arizona, Delaware, Florida, Indiana, Illinois, Kansas, Louisiana, Maryland, Michigan, New Mexico, ... Read More »

                          Debt Relief Providers Still Crying From Low Delinquencies

                          cc delinquency

                          According to the credit reporting agency TransUnion, credit card delinquency has hit a seven year low. That’s good for consumer but not so good for credit counseling, debt settlement, or bankruptcy providers. The national credit card delinquency rate declined to its lowest level in at least seven years, dropping from 1.27% in Q2 2013 to 1.16% in Q2 2014. The ... Read More »

                            Mass Joinder Player Phillip Kramer Resurfaces in Different Scheme Alleges CT & FL

                            a_kick_in_the_nuts

                            In a bit of a shocker a couple of names who were hot and heavy in the front-end of the mass joinder schemes have resurfaced again according to the State of Connecticut and the Attorney General of Florida. On August 22, 2014 both parties filed an amended complaint against a whole chadre of individuals and companies. They included Berger Law ... Read More »

                              Student Debt Doctor Decides Use of Department of Education Logo is OK

                              oops

                              UPDATE 8-27-2014: Hat tip to Gary White from Student Debt Doctor for pulling the Department of Education logo from the site following the article below. Gary said, “I had no idea that was the Department of Educations logo and have taken it the logo down. I had a friend do the site for me, I asked that he put a ... Read More »

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