Connecticut ordered CDS Financial, David Lugo, and Kevin Lugo to cease and desist and pay restitution. I flagged the same address and manager back in 2019.
A collector is demanding money on a debt you already paid. Federal law bars collecting a paid debt, and here’s how to prove it and make them stop.
A debt collector who won’t send real proof of the debt but keeps calling anyway may be breaking federal law. Here’s what validation actually requires.
A debt collector called your family about your debt. Here is what’s legal, what is not, and how to document a real FDCPA violation for statutory damages.
Debt collectors calling? Federal law limits when they can call, how often, and what they can say. Here’s how to stop the calls, demand proof of the debt, and know when bankruptcy makes sense.
FDCPA violations fall into 5 categories — here’s the complete list with examples of each, what the law says, and how to sue for up to $1,000.
Debt collectors count on your fear. Before you pay anything, know your four legal rights: cease and desist, debt validation, statute of limitations, and FDCPA violation claims.
The 777 rule limits debt collectors to 7 calls in 7 days and bars calling within 7 days of a conversation. But your FDCPA rights go further — and collectors count on you not knowing them.
The 11-word cease and desist phrase is legally real under the FDCPA. It stops calls, not the debt. Here is what it actually does and how to use it correctly.
Connecticut’s Banking Commissioner issued a cease and desist order against Omnipoint Management Solutions after finding the company called a hospital ER line to collect a debt, used abusive language, then called back 20 minutes later. The company was never licensed in Connecticut and faces penalties up to $100,000 per violation.
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