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Tag Archives: fdcpa

Victory and Disappointment for the Debt World Today: Total Debt Falls While Harassment Complaints Rise

CNN Money’s recent article, “Debt collectors get nasty” showed some real insight into the current debt collection process in this country. They touched on information reported by the Federal Trade Commission, FTC, about the number of complaints of debt collector harassment issues on the rise. Apparently these debt collectors haven’t heard of a little thing called the “Fair Debt Collection ... Read More »

    Most Debt Buyer Lawsuits Foiled By Inability To Prove Debt Owed

    Debt Buyer Palintiffs Failed to Substantiate That a Debt is Owed

    The Municipal Employees Legal Services of New York’s District Council 37 has seen an increasingly startling number of cases cross their desk over the past few years involving cases pertaining to debt buying lawsuits against consumers. Given that these sort of cases have doubled over the past 10 years, they took a special interest into the matter and conducted a ... Read More »

      A Day In the Life of A Debt Collector

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      An Account From a Real-Life Collector I arrive at work with a long list of people to call, knowing that if all goes well, I may call 125 people today. Today, I’ll hear stories of businesses gone sour, failed marriages and terrible illnesses. I’ll hear outright lies: “The check’s in the mail,” or “The stamp fell off.” And I’ll hear ... Read More »

        How to Make the Debt Collector Do What You Want

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        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 to as “FDCPA”) and other ... Read More »

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

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          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 able to make the entire ... Read More »

            I’m Living on Social Security and Being Threatened with Arrest for a Debt. – Jeanne

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            “Dear Steve, I am on social security and cannot pay certain debts. I owe some money in utah and am being harassed by a collection agency. they say they will get a judgment against me and then have me arrested. i’m pretty sure this is a lie. (the arrest part) right? Jeanne” Dear Jeanne, I am assuming you don’t have ... Read More »

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

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              “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 signature verifying it belongs to ... Read More »

                I Filed Bankruptcy and Debt Collectors Are Violating My FDCPA Rights – Maria

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                “Dear Steve, I have many messages left on my answering machine from debt collectors. Some of which I believe are violations of the FDCPA. Creditors Interchange has left messages about expediting judgment against us-no mini-miranda ever. Fred Hanna Associates mention they are debt collectors. And they do say that if this is not so and so hang up now. NCO ... Read More »

                  Video of Debt Collectors That Pose as Police to Scare People to Pay or They Go Directly to Jail

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                  There are plenty of respectable and good debt collectors that run their business in compliance with local and federal laws. And then there are the collection companies that engage in abusive practices and behavior. For those of us that regularly work with people in debt it is hard to not become distrustful or develop a strong dislike for debt collectors ... Read More »

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

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                    “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 party (who is an unrelated ... Read More »

                      American Corrective Counseling Services (ACCS) and the Bounced Checks


                      In an effort to help state governments deal with bounced and bad checks, some states have outsourced the dealings with the checks to for-profit debt collectors like American Corrective Counseling Services in California. ACCS has relationships with about 150 county District Attorney (DA) offices. In return for the referral of cases to ACCS, the local DA offices get a cut ... Read More »

                        Reforms Recommended for Debt Collectors and Debt Collection Industry

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                        The Federal Trade Commission issued a report today recommending that the debt collection legal system be reformed and modernized to reflect changes in consumer debt, the debt collection industry, and technology. The report describes the changes the FTC believes will provide better consumer protection without unduly burdening the debt collection industry. The Commission also issued its 31st annual report to ... Read More »

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