By: Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) generally prohibits debt collectors from using unfair or unconscionable debt collection practices when trying to collect a debt. In addition to these prohibitions, debt collectors are required by the FDCPA to provide consumer with certain notices of your rights. In its first […]
Got A Debt Collection Letter or Call? Tell The Debt Collector To VERIFY THE DEBT!!!
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- Debt Collection Defense
- debt collector harassment
- Fair Debt Collection Practices Act
Are Debt collectors Being “False or Misleading” (a/k/a Full of Sh#t)?
By: Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) prohibits a debt collector from using false, deceptive, or misleading representation or tactics when trying to collect a debt. The list of prohibited conduct includes: The false representation or implication that the debt collector affiliated with the government; The false representation of […]
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: 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 collectors”: 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 […]
Those Damn Debt Collectors!
By: 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 […]