Know that debt validation is a powerful
tool against debt collectors, however, it works best when consumers like you are willing to see it through to court action.
Three years ago, I told you the FTC and New York Attorney General (NY AG) announced
complaints against debt collectors that allegedly used a slew of abusive and deceptive tactics to pressure consumers into making payments on questionable debts.
In that case you can have the account removed by reporting re-aging to the credit bureau, making a complaint with the Consumer Financial Protection Bureau, FTC or your state's Attorney General; or, bringing a lawsuit
against the debt collector for violations of the FCRA.
The Federal Fair Debt Collections Practices Act «FDCPA» — As a consumer, you're entitled to file a lawsuit
against any debt collector who violates your rights under the Federal Fair Debt Collections Practices Act.
Consumer advocates are concerned that the FTC proposal does not provide for legal action or other
sanctions against debt collectors that «step over the line» in attempting to collect debts incurred by deceased borrowers.
It comes with an automatic
stay against debt collectors, which means that as soon as you file, it will be illegal for debt collectors to harass you.
The objective is to empower consumers to secure their financial
future against debt collectors post-bankruptcy, and to implement financial practices which keep them debt - free.
Three years ago, I told you the FTC and New York Attorney General (NY AG) announced
complaints against debt collectors that allegedly used a slew of abusive and deceptive tactics to pressure consumers into making payments on...
Representing clients in
cases against debt collectors is a form of consumer law, the branch dedicated to protecting consumers against unfair trade and credit practices.
Rosenthal Federal Fair Debt Collections Act «RFDCPA» — As a consumer, you're entitled to file a lawsuit
against any debt collector who violates your rights under the State of California's Rosenthal Federal Fair Debt Collections Practices Act
Better still: attorneys that specialize in defending
consumers against debt collectors will often provide services pro bono, collecting their fees from miscreant agencies that have probably broken the law.
It is legal to represent yourself in a bankruptcy, but experts don't recommend it, because a simple mistake can take away your legal
protection against debt collectors, allow creditors to take away major assets or even result in criminal charges.
Each debtor filed a lawsuit
against the debt collector for violations of the FDCPA, alleging that the company communicated their debts to credit reporting agencies without indicating that the debts were disputed.
On the heels of their victory against National Check Registry, the FTC and the New York Attorney General teamed up again to announce two complaints
against debt collectors that allegedly used a slew of abusive and deceptive tactics to pressure...
The FDCPA provides both broad and specific protections for consumers
against debt collectors.
You can see how I fought
against debt collectors and collection attorneys and won!
Complaints
against debt collectors have surged in recent years, which has somewhat masked another issue in the consumer credit realm: debt buyers.
The FTC recently obtained a temporary restraining order in a case
against debt collectors, Pinnacle Payment Services, Lisa Jeter, her partners and related companies about just these kinds of practices.
A couple years earlier she failed to answer and defend
herself against a debt collector's lawsuit.
Randall Ryder represents consumers
against debt collectors and defends consumers in debt collection lawsuits.