McGraw settles with debt collection firms Legal News Line
CHARLESTON, W.Va. (Legal Newsline) - Two New York-based debt collection firms have agreed to cease collecting debts without a license in West Virginia as part of a settlement reached by West Virginia Attorney General Darrell McGraw.The firms also have agreed to issue more than $11,000 in refunds and cancelled debts to West Virginia customers, and make a $5,000 payment to the State.
The agreement was reached with two affiliated collection agencies, Northtown Capital Associates Inc. and Interstate Check Systems Inc., both based in Amherst, N.Y.
McGraw's office began investigating Northtown and Interstate, both owned by Joseph H. Elias, after receiving a complaint that the companies were collecting debts in West Virginia without a license and surety bond as required by the state Tax Department.
According to McGraw's office, Northtown and Interstate were attempting to collect debts allegedly owed to an Internet payday lender, Payday Yes, which had previously
Defending Yourself from Debt Collectors and Protecting What's Yours When Sued for Debt
For help defending yourself from debt collectors, see my site at www.yourlegallegup.com, where you will find a great deal of information, much of ...
Can a debt collector/law firm collections refuse to accept your payment, if so under what circumstances?
Yes they can in the event that you've ever broken your payment arrangement which they can just refuse the next payment and demand the balance in full.
Some do it just to be difficult and there's not much you can do about it because you do indeed owe the debt, all of it and they can request all of it at once.
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate .I came across this company on NBC News Special Edition.Check it out here:
http://creditsolution01.notlong.com
Does a debt collector have to follow the laws of the state you reside in or the state the debt occurred in?
Does a debt collector have to follow the laws of the state you reside in, the state they reside in, or the state the debt occurred in? There is a debt collector after my husband for a sprint bill that is about 5 years old. He lived in Kansas at the time of the debt but now lives in Minnesota and the collection agency is in Arizona. Under Kansas law the debt has been charged off due to the statute of limitations but under Minnesota law it has another year to go. Can they legally sue him over this? And can they sue me since the debt happened before we were even dating muchless married?
If you are contacted by a bill collector and admit to owing the money the collector can re age the debt and start collecting all over again.
http://www.fair-debt-collection.com/SOL-by-State.html#3
http://www.fair-debt-collection.com/SOL-by-State.html#24
http://www.fair-debt-collection.com/SOL-by-State.html#17
These links show the time limit in all the states you mentioned.
What are the laws against debt collectors? Are they allowed to call you at work?
I get about 10 calls a day from one particular collector (although I never pick up). She asked me what my work number is and I told she wasnt allowed to call me at work and she said she was.
Since this is a collection agency and not the original creditor then they must follow the Fair Debt Collection Practices Act(FDCPA).
You can inform them on the phone that you do not want them to call you, but they officially do not need to be held to that. So in order to get them to stop you must send the request by certified mail stating that they are not to contact you by phone. You should also add in that it includes your work and home. Once they receive it, if they contact you again you can sue them for a violation of the FDCPA.
Now, this will not make the debt go away, and they can still attempt to collect the debt. So if you do not agree that the debt is yours you can request a debt validation with the company.
they say it really fast and you want credit so you prolly didnt hear it
only contact you at home and during certain hours at that,
Breeching this protocal can get the liscense pulled from the credit recovery company.
Second, how did she ask you anything if you do not pick up?
Third, it is illegal for her to call at work if you tell her that your employer does not allow you to receive her calls at work. If you do not tell her that, then it is legal for her to call you at work.
Debt Collector law question?
A debt collector called for my boyfriend of 10 years was acting like he was a friend, asked for cell # I said he didn't have one he was like what happened to it I said none of your business asked if I was his wife I said yes because his friends call me that then asked again about cell phone I then knew it wasn't one of his buddies so I said who are you and he told me and then proceeded to tell me the debt and the amount I said oh wait I'm just his girlfriend of 10 years don't tell me he was like I got on tape you said wife and I was like his friends call me that and you were acting like a friend he said that's their technique and we're common law I called and asked the cops that doesn't exist in Ohio anymore is there laws against how that guy acted.
Take it from me, an ex-credit card bill collector. He's trying to intimidate you, hoping in turn that you'll pressure your boyfriend to contact him. But as long as you're not legally married to your boyfriend, there is nothing the debt collector can do to you financially. He can't garnishee your wages, and can't put negative info on your credit report either. If he continues calling calling, ask to speak to his manager. He may refuse. If he does, hang up and call back and ask again to speak to his manager. Tell his manager that you will sue if you keep getting harrassing calls. The manager will "nicely" try to ask you for a phone number where they can contact your boyfriend. Tell the manager that you cannot and will not give out that information, and that it is their responsibility to find the debtor, not yours. Then hang up before they can say anything else. That should do it.
Your boyfriend might have a legal case against you for lying to the guy and telling him you were his wife, but not against the collector.
Richard
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://urlhawk.com/4rz
What are the washington state laws pertaining to debt collectors?
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm
Debt collector law suit?
do any one know the statue of limitation in michigan for a collection agency to collect in michigan , and if sued how can you defend yourself if you know nothing about the debt
The statute of limitations in Michigan for unsecured debt (credit cards, etc.) is 6 years. Here is a good article for you:
http://www.bcsalliance.com/y_debt_sol.html
How can I get the address of a debt collector when all I have is the phone number?
I've been struggling with false accusations that I owe PayPal money, when I do not. I've read over my rights and laws concerning debt collections and I need to write them a letter stating that I do not owe them money and to stop calling me. All I have is their phone number and if at all possible, I'd like to get the address without calling them to ask for it, lol.
When my daughter ran away, I used her cell phone bill to track phone numbers. You can go to the white pages and do a reverse phone look up. If it is a land line it will bring up the address. If it is a cell phone it will direct you to a different site where you have to pay a small amount for the information. If the address does not show in the report you can get your money back by sending an email to them.
This works really well as long as the address is current.
How do I know which state's laws I use for debt collectors?
I moved from Michigan to Pennsylvania and the creditors are still hounding me. I want to follow the validation procedure, but am unsure which state's rules to follow.
The federal Fair Debt Collection Practices Act governs how debt collectors operate. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf Also, PA has a companion state law, the Fair Credit Uniformity Extension Act, 73 P.S. §2270.1 et seq.) http://www.attorneygeneral.gov/consumers.aspx?id=244
debt collector fees and which state laws apply?
I was a stupid kid just out of high school and got into some credit card debt that was charged off in 2003. I was living in Iowa at the time. I have since then moved to Texas, and just recently found out a company is now trying to collect on that debt. They are claiming I owe $300 more than the balance that was charged off, but are offering to settle for 40% less of what they claim I owed. My questions are:
1. What fees or limits on interest can they legally charge that would have increased the balance owed by over $300 more?
2. Which state's laws for Statute of Limitations are applicable? I know Iowa is 5 and Texas is 4. I am a legal resident of Texas now if that helps or changes things.
I am willing to pay them, but I want to know how they come up with $300 more, and what legally are they allowed to charge me for, if anything, above the original amount.
sound like the statue of limitations may be up and you didn't tell a debt collector to purchase the bad debt.
read thru creditinfocenter.com and buddhibbs.com
they can try to charge you whatever, and that means law firms ACTING AS DEBT COLLECTORS. Tell them to validate that you OWE THEM the money (don't dispute the old debt)
they don't have your signature on a contract. You did not
verbally agree to pay them.
does anyone have expericnce working as a debt collector for a law firm?
i have an interview for this position tomorrow and was wondering what kind of salary/bonus to expect.
i didn't ask for criticism, i asked what the pay might be like. it'd be nice if someone could seriously answer this.
Can't tell ya since I don't know what city and state you are from. It varies greatly (like any other job). Bonuses are iffy...a firm by firm thing. But hey, it's a bonus! something is better than nothing. BTW Nice avatar!
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