Debt Consolidation Alternative, Debt Free League Says: Less In Debt Visit ... DigitalJournal.com (press release)
San Diego, CA (PRWEB) August 14, 2011
Because of the United States debt crisis, many folks in debt have succumbed to debt collection terrorism. Yet, Debt Free League, a San Diego debt relief company with a debt consolidation alternative, states fewer debtors are going to bankruptcy court; more are suing the debt collectors. Select debtors are also using the company's debt program to fight debt recovery abuses.
In 2010, shattering 2009 records, consumers filed an estimated 13,901 lawsuits against collection agencies and creditors, including 10,914 Fair Debt Collection Practices Act cases, according to research firm, WebRecon LLC.
Consumer and business debt settlement specialist, Debt Free League prognosticates even more consumer lawsuits in 2011. They attribute the surge to the economy’s onward decline.
“Low housing and steep unemployment creates panic, causing the creditors not to issue debt loans. And as more bills are left unpaid in this dangerous circle, the debt collectors gradually intensify bullying tactics", declares Debt Free League representative, Vic Chevalier.
the fair debt collection practices act
This video is designed to give you some idea of the scope of the Fair Debt Collection Practices Act so that you can begin to think of possible ...
Who enforces fair debt collection practices act?
Who would I write to to enforce the Fair Debt Collection Practices Act in California. If I do not want to hire an attorney?
California
Attorney General's Collection Agencies Guide
www.ag.ca.gov/consumers/general/collection_agencies10.htm
What are some things that creditors can't do according to the "Fair Debt Collection Practices Act"
What are some things that creditors can't do according to the "Fair Debt Collection Practices Act"?
they can't lie about their identity over the phone to complete collection calls.
EDIT: The below post is incorrect on a lot of areas. They can call at work, they can use third partys to leave u messages, they can info you on legal action if it is their right to do so, and they do not have to stop calling you by you asking, it has to be done via mail.
Cannot call you after you've asked them to stop.
Cannot call you repeatedly.
Cannot call you at work.
Cannot call you if you're represented by a lawyer.
Cannot call you if you've sent them a letter asking for verification of a debt.
Cannot misrepresent or deceive.
Cannot publish your name or address.
Cannot seek unjustified amounts.
Cannot threaten or take legal action.
Cannot use abusive or foul language.
Cannot contact third parties.
Cannot contact you by embarrassing media.
Cannot report false information on your credit report.
Does the Fair Debt Collection Practices Act apply to a business debt?
In other words what I am asking...can a collection agency call your business and tell your employee that you have an outstanding debt that is in collections? How much the debt is for and what year its from?
What do you do when a company violates the Fair Debt Collection Practice?
I've had a collection company call me at work knowing that it was inconvenient and that my employer does not allow it. This was after they spoke with my wife pretending to do a financial statement to arrange payments. They also said they could not accept payments that were mailed in. A different collection company discussed my account with individuals who were not on the account. Their number was on the account as a person to call to leave a message for me.
Your first action should be to send a certified letter to them telling they cannot contact you at work or anywhere else it's inconvenient. They can't discuss your finances with anyone else (unless a spouse if your state allows it), and you really should only communicate in writing -- you'll get in trouble talking to them on the phone. Demand that the collection agency provides you with proof that they have the legal right to collect the money and get documentation of how much you owe, where those charges came from, and how your payments have been/will be applied.
Differentiating a Scam from Fair Debt Collection Companies?
How can one differentiate between a scam debt collector vs. a real legitimate company?
On the company's website, it states "a privately owned company that specializes in the collection of delinquent debt"
"a privately held partnership...founding partners remain actively involved and committed to its growth..."
Does that mean that this company purchases past due accounts from its customers in an effort to recover funds?
"divemedic" has some excellent tips on scam vs legit and how to get some dings off your credit report.
I used " Credit Solution" to settle my debt and improve my credit score.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://doiop.com/o1oa2r
Is this a violation of the Fair Debt Collection Practices Act?
A debt collector called my wife's mother, ex-step-father, and grandmother and told them he needed to contact her because there were fraudulent charges made on her credit card. Her mother called BS on the guy and took his information, then gave it to my wife.
Is this false representation under Section 807 of the Fair Debt Collection Practices Act?
The practice you describe would seem to be forbidden by 15 U.S.C. 1692e(10): "The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."
http://www.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001692---e000-.html
What constitutes harassment under the Fair Debt Collection Act? How often can credit cards call you a day?
I am being driven crazy by calls from one particular creditor - and I'm only 10 days late w/ my payment!! Help? Is there something that I can do? I live in New York.
This is a first party credit card, not a collections agency. thanks!
You have to REQUEST that they not call you anymore, unless you agree to a certain date. They can call as often as they want to until you ask them not to. Also watch out for the late charges, and they will probably up your interest rate to the highest they can.
Is a private landlord subject to the provisions of the Fair Debt Collection Practices Act?
I'm having a temporary problem paying my rent and I really don't want to deal with the knocking on the door and the phone calls.
What are the most common violations banks commit regarding the Fair debt collection practices act?
Contacting you after you have written to them requesting them to stop contacting you. Or contacting you at work.
Fair Debt Collection Practices Act related to companies?
Does anybody know if the Fair Debt Collection Practices Act applies to debts incurred/alleged against a company ?
If not, is there a similar act which does apply to company debts ?
No, FDCPA is consumers only.
There is nothing in that realm in U.S. law relating to company debts. However, there may be something in your state law.
the fair debt collection - News
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Debtors: Harsh treatment on rise - Boston Herald Debtors: Harsh treatment on rise Consumers are protected from predatory collectors by the Fair Debt Collection Practices Act, which prohibits harassing phone calls, profane language or |
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Seminar held on rules of debt collection - ABC12.com Seminar held on rules of debt collection "And if that isn't happening, there's a violation of the Fair Debt Collection Practice Act." According to the act, collectors should not call at any unusual |
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Consumer Debt Disputes Rising - Statesboro Business News Consumer Debt Disputes Rising She got an attorney, who promptly filed a federal lawsuit against the collection agency for alleged violations of the federal Fair Debt Collection Practices Client’s Corner Prohibited practices The debts that won't go away |
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Couple: Collector is ‘abusive’ - Boston Herald Couple: Collector is ‘abusive’ The complaint alleges that the Chicago-based firm used heavy-handed tactics and violated the Fair Debt Collection Practices Act by making repeated telephone |
OPINION: Americans $1 Trillion in Credit Card Debt - Opposing Views
Opposing ViewsOPINION: Americans $1 Trillion in Credit Card Debt or legal status of the debt by demanding a larger payment than was permitted by law--a violation of the Fair Debt Collection Practices Act (FDCPA).
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