By:Â Robert J. Nahoum Debt Collector Harassing You On the Phone? When Can They Call and How Often? Under federal debt collection laws know as the Fair Debt Collection Practices Act (or FDCPA), debt collectors cannot call you before 8 am or after 9 pm. Debt collectors are also precluded from calling you an unreasonable number of times. What is an […]
Debt Collector Harassing You On the Phone? When Can They Call and How Often?
When Can a Debt Collector Talk About My Debt With Someone Else?
By: Robert J. Nahoum Are debt collectors calling your house and talking to someone else about your debt? Even worse, are debt collectors calling you at work? If so, they may have violated federal debt collection laws known as the Fair Debt Collection Act (FDCPA). What Can’t the Debt Collector Do? Without your prior consent, the debt collector may not communicate, […]
What Debts Are Covered By the FDCPA Debt Collection Laws?
By:Â Robert J. Nahoum Not all debts are created equal because not all debts are subject to federal debt collection laws known as the Fair Debt Collection Practices Act also known as the FDCPA for short. The good news is most consumer debts are covered. Under the FDCPA, the “term debt means any obligation or alleged obligation of a consumer to […]
Who is a “Debt Collector”?
By: Robert J. Nahoum When it comes to federal debt collection laws (the Fair Debt Collection Practices Act or FDCPA for short) there are basically four kinds of “debt collectorsâ€: 1. Collection Agencies collecting a debt for someone else like a credit card company or a hospital; 2. Debt buyers who buy up old debt from someone else for pennies on […]
How can I owe you a debt, I’ve Never Even Heard of You?
By:Â Robert J. Nahoum Have you ever looked at your credit report and thought “I don’t know this company, I never heard of them”. Even worse, have your ever been sued for a debt by a company you’ve never had an account with? Sadly, this happens all the time and over the last ten years or so, it has been happening […]
Those Damn Debt Collectors!
By:Â Robert J. Nahoum Tell me if any of this sounds familiar, the dishes are done, the kids have gone to sleep, you and your spouse are sitting around the kitchen table staring at pile of bills and the family finances trying to figure out if there is anything left to cut. The credit cards are maxed, your job doesn’t give […]