SLEAZY DEBT COLLECTOR AWARD GOES TO EQUITY EXPERTS.

Debt Collector

Equity Experts and its sleazy practices Equity Experts is a collection agency that focuses on collecting for condominium and homeowner associations.  As a debt collector, its practices fall far short of what a decent debt collector’s practices should be.   … Continue reading

How to stop the debt collector – Grinch from contacting you during the holiday.

Reading

Picture this:  A beautiful Christmas Eve with your family, a fire in the fireplace and Uncle Henry (everyone has one), doing his best to behave himself. Your home phone rings and it’s a debt collector.  Or, you might be spinning … Continue reading

9th Circuit holds that Trustee is not a debt collector when foreclosing on a Deed of Trust

Foreclosure Notice

The Fair Debt Collection Practices Act is a federal statute that protects consumers from debt collectors.  But just when is a debt collector NOT a debt collector under the FDCPA? The Ninth Circuit recently held that a trustee, foreclosing on … Continue reading

Statute of Limitations on Debt in Michigan

In Michigan, there is a statute of limitations on debt. For some reason, many debt collectors either conveniently forget this fact, or they knowingly pursue old debt illegally. In either case, you have rights. The Official Statute of Limitations on … Continue reading

Debt Collectors – The Worst of the Worst

Debt Collector on Phone

Recently a CNN story highlighted debt collector horror stories. The latest allegations of abuse of consumers include threats to dig up dead relatives, take their children into protective custody and even to kill the family pet. These gross abuses are … Continue reading

Debtor’s Prisons Still Around? You betcha’!

Debt collectors can sometimes use the court’s contempt powers to enforce their debts. Even though “Debtors’ Prison” were outlawed in the 1830s, in the ultimate for of bullying people collectors can actually have consumers put in jail under some circumstances. … Continue reading

Sen. Franken’s proposed changes to the Fair Debt Collection Practices Act – great ideas!

Sen Franken from Minnesota has proven himself to be a major consumer advocate. He has recognized the abuses by Accretive Health and others in collecting medical debt and has proposed changes to the Fair Debt Collection Practices Act (“FDCPA”). This … Continue reading

Supreme Court to consider whether a fax sent to a debtor’s employer violates the prohibition against third party contact under the Fair Debt Collection Practices Act.

HOT ON THE PRESSES….SUPREME COURT TO HEAR A NEW KEY FAIR DEBT COLLECTION PRACTICES ACT CASE   Olivia Marx owed a student loan that General Revenue was assigned to collect. GR sent a fax to Ms. Marx’s employer. This form … Continue reading

Beware of phony debt collectors

Phony debt collectors abound today. My office deals with at least a half dozen inquiries from people who have been contacted by these sleazy operators. Frequently, these fake debt collectors are employed by payday loan companies. They are usually located … Continue reading

Debt Collector dumb enough to leave you a message? Sue him!

Under the Fair Debt Collection Practices Act, a debt collector must identify himself as as such and further inform the consumer that the communication is from a debt collector. Interestingly, the FDCPA prohibits a debt collector from disclosing the debt … Continue reading

South Dakota AG finally gets the word about Payday loan collection scams.

By far, we get the most inquiries about these bogus payday loan collection agencies. We, at Michigan Consumer Credit Lawyers, are consumer advocates. We represent people who are abused by debt collectors. Many of these Payday Loan collection companies are … Continue reading

Always think about emotional damages under the FDCPA when discussing your case

Under the Fair Debt Collection Practices Act, a consumer may recover two types of damages; Actual damages and statutory damages of “up to $1,000.” In many of the cases that we handle, most consumers are only able to obtain statutory … Continue reading

How to fight back against Payday Loan collectors.

Payday loan companies tempt the most necessitous borrowers with quick money. It appears to be quite easy to fill out an application on line and get your money in short order. Here is what you don’t but should know about … Continue reading

Fixing Your Credit After a Student Loan Default

As the economy slows down, more and more people are struggling to pay their student loan debt. Although defaulting on student loans should be avoided at all costs, sometimes default is inevitable. Luckily, the U.S. Department of Education provides a … Continue reading

Financial Reforms Make Getting Your Credit Report Easier Than Ever

Many people visit websites like the government-sponsored http://www.annualcreditreport.com to get a free look at their own credit reports. Now, getting a copy of your credit report, including your credit score, is easier than ever. The U.S. Congress recently passed the … Continue reading

Consumers beware – you may have skated past the creditor, but you may not be as lucky with the I.R.S.

Many people who get sued for debt usually compromise those claims in some fashion. In fact, many collection lawsuits that are filed are settled before trial. These settlements may include a reduction in principal. If someone gets sued by a … Continue reading

When a "reasonable" reinvestigation is unreasonable under the Fair Credit Reporting Act

Being the conscientious person you are, you have decided to pull your credit report at www.annualcreditreport.com and you noticed that there is a trade line that does not belong to you. So what do you do? You go on line … Continue reading

The limits of the FDCPA

I follow a number of blogs and read a large number of articles about the Fair Debt Collection Practices Act. Many of these authors tout the FDCPA as magic bullet with which a debtor can bully a collection agency. While … Continue reading

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