Robert Lock, Esq Facing Being Disbarred for Debt Relief Activities

Well it looks like yet another attorney is on the verge of being disbarred for debt relief activities. This time it is Robert Lock, Esq from CCDN. His debt validation activities and sharing fees for referrals with non-lawyers is a critical part of the action against him by the Illinois Attorney Disciplinary Commission. BEFORE THE … Read more

Caught In The Web : Debt Collectors Find Fleeting Debtors Via Social Networking Websites

I feel the personal need to thank a one, Vanessa Romo, a reporter at NPR for her most recent and compelling article “Elusive Debtors Foiled By Their Social Media Sites“. This article delved into a world I had never considered existed. No not Pandora, but a realm of debt collectors using social media and networking … Read more

How Being in Debt Can Affect Your Military Career

Being in the military poses unique problems for military personnel and their families. Sometimes, as a result of circumstances like relocation or deployment of a spouse, a military member may fall behind on payments of his or her debts. A person who is behind on payments may be viewed in the military as irresponsible, even … Read more

How to Make the Debt Collector Do What You Want

When you are in debt, sometimes you may feel that you are a “sitting duck” waiting for the debt collector to call. What you may not realize, however, is that there are laws which protect debtors from collection practices that you may find troublesome or harassing. The federal Fair Debt Collections Practices Act (hereafter referred … Read more

I Think Sallie Mae is Violating My Collection Rights. – Robyn

Robyn “Dear Steve, I have a private student loan with Sallie Mae. I got this loan to go to a computer training school in Massachusetts. I now live in California. They are threatening to default if I do not pay $842 by August 8th. I am not refusing to pay them, I am just not … Read more

Asset Acceptance Called Me on an Old Bank of America Debt. – Terri

“Dear Steve, Asset Acceptance LLC called me recently and said they were collecting on an old Bank of America debt. They told me it was from a period of time when I lived in California (1993-1994). I told them I did not believe I owed this debt and to please send me a statement or … Read more

Can the Debt Collector Really Do That Under the FDCPA? – Jason

“Dear Steve, Unemployed, increasing debt, previous attempts to settle and/or maintain debt payback inconsistant, delayed and past due payments. 1. Can a debt collector call outside of the hours 8am-9pm the debtor’s location and time? Are there any day restrictions (i.e. Sunday, holidays) 2. Is is legal for a debt collector to call a third … Read more