tag:blogger.com,1999:blog-3335752123708562742024-03-06T15:00:55.338-05:00Consumer Litigation Group Blog<strong><center>A website for Pennsylvania and New Jersey consumers detailing their consumer rights under Fair Debt Collection Practices Act law.</center></strong>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.comBlogger65125tag:blogger.com,1999:blog-333575212370856274.post-2680526140595234652013-04-13T14:29:00.001-04:002013-04-13T14:29:38.147-04:00Senate Moves to Severely Restrict Payday LoansConsumer rights advocates have long assailed payday loans and consumer rights attorneys tell horrible stories of clients ensnared in the web of payday loans. When consumers fail to repay, they are frequently harassed and threatened with nonexistent “bad check” criminal charges or the scary sounding... [read more] <a href="http://www.consumerlitigators.com/3283/consumer-news/senate-moves-to-severely-restrict-payday-loans/">Senate Moves to Severely Restrict Payday Loans</a><br />
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Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com1tag:blogger.com,1999:blog-333575212370856274.post-77412877795577859032013-01-08T15:38:00.001-05:002013-01-08T15:38:39.472-05:00Annuities Are Partially Protected Against Creditor Garnishment in New Jersey Sometimes a New Jersey consumer may give a sum of money to an insurance company or other entity in exchange for a promised stream of income usually paid monthly (an annuity contract). Other times, an insurance company is given a sum of money on behalf of a consumer to compensate for a personal injury. In any event, a consumer receiving annuity payments may be... Read More... <a href="http://goo.gl/FxdDr">Annuities Are Partially Protected Against Creditor Garnishment in New Jersey</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-14761406708273222372013-01-07T19:57:00.001-05:002013-01-07T19:57:54.437-05:00Lingering Economic Malaise Means Expansion for PRAPortfolio Recovery Associates LLC, a subsidiary of the publicly-traded Portfolio Recovery Associates, Inc., is a debt collection agency that trades in the junk debt markets. It purchases old, defaulted consumer debts from credit card companies, car finance companies, and others often for just pennies on the dollar. It is a competitor of Asset Acceptance, LLC, Midland Funding, LLC, NCO Financial Systems, Inc., and LVNV Funding, LLC all of whom... Read More... <a href="http://goo.gl/vZDaf">Lingering Economic Malaise Means Expansion for PRA</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-13599687341188492252012-08-07T12:42:00.000-04:002012-08-07T12:42:13.181-04:00Asset Acceptance Calls a Consumer a Fat Motherfucker While Trying to Collect Debt NJ Plaintiff SaysCollecting on behalf of the junk debt buyer, World Financial Network,
Asset Acceptance called and wrote the consumer seeking repayment of an
alleged debt. The court found as undisputed that Asset Acceptance
recorded a voicemail for the consumer calling her a “fat motherfucker”
while trying to... Read More... <a href="http://www.consumerlitigators.com/2812/consumer-case-law/asset-acceptance-calls-a-consumer-a-fat-motherfucker-while-trying-to-collect-debt-nj-plaintiff-says/">Asset Acceptance Calls a Consumer a Fat Motherfucker While Trying to Collect Debt NJ Plaintiff Says</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-26123271256990282912012-08-07T12:34:00.001-04:002012-08-07T12:34:26.676-04:00Consumer Federation of America Publishes Report Concerning Fraud and Debt Collection AbusesConsumer Federation of America found the data obtained from the survey particularly relevant
because consumer protection “agencies work at the grassroots level,
providing consumers and businesses with information about their rights
and responsibilities and advice about how to resolve disputes.” The
majority of consumer protection agencies take a hands-on approach to
consumer complaints and will mediate disputes. Moreover, the agencies
generally have... Read More... <a href="http://www.consumerlitigators.com/2877/consumer-news/consumer-federation-of-america-publishes-report-concerning-fraud-and-debt-collection-abuses/">Consumer Federation of America Publishes Report Concerning Fraud and Debt Collection Abuses</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com1tag:blogger.com,1999:blog-333575212370856274.post-38923556646335198322012-08-06T12:58:00.001-04:002012-08-06T12:58:38.043-04:00Government Accuses National Credit Adjusters of Collecting Usurious and Invalid Payday LoansIn trying to shut down the collection of payday loans by National Credit Adjusters, Arkansas Attorne General Dustin McDaniel asked a state court for an injunction that will restrain National Credit Adjusters from collecting its payday loans. He also is seeking a court order that will nullify any usurious payday loans in the possession of National Credit Adjusters. In addition to civil penalties and the costs of suit... Read More... <a href="http://www.consumerlitigators.com/2833/consumer-news/government-accuses-national-credit-adjusters-of-collecting-usurious-and-invalid-payday-loans/">Government Accuses National Credit Adjusters of Collecting Usurious and Invalid Payday Loans</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-18655516848412238672012-07-23T20:49:00.001-04:002012-07-23T20:49:59.487-04:00FDCPA Court Permits Consumer to Admit Into Evidence a Settlement Payment to End a Time-Barred Collection Suit Against Stock & Grimes In her FDCPA lawsuit against Stock & Grimes, the consumer claimed that the defendant owed her the settlement payment she paid to Discover Bank. She alleged that had Stock & Grimes not sued her on the time-barred debt in the first instance, she would not have had to pay a... Read More... <a href="http://www.consumerlitigators.com/2698/consumer-case-law/fdcpa-court-permits-consumer-to-admit-into-evidence-a-settlement-payment-to-end-a-time-barred-collection-suit-against-stock-grimes/">FDCPA Court Permits Consumer to Admit Into Evidence a Settlement Payment to End a Time-Barred Collection Suit Against Stock & Grimes</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-891510594550972122012-07-19T17:23:00.001-04:002012-07-19T17:23:05.893-04:00Asset Acceptance Calls a Consumer a Fat Motherfucker While Trying to Collect Debt NJ Plaintiff Says The facts as alleged by the consumer are very egregious. It’s not all that often a debt collector in 2010 (when the voicemail was recorded) will be so brazen to actually record a voicemail calling a consumer a “fat motherfucker.” But, when debt collection companies like Asset Acceptance permit cultures of greed and abuse to permeate their collection floors, it’s no wonder these facts are alleged to have happened. Moreover, Asset Acceptance’s craven attempt to... Read More... <a href="http://www.consumerlitigators.com/2812/consumer-case-law/asset-acceptance-calls-a-consumer-a-fat-motherfucker-while-trying-to-collect-debt-nj-plaintiff-says/">Asset Acceptance Calls a Consumer a Fat Motherfucker While Trying to Collect Debt NJ Plaintiff Says</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-44180873343513616192012-07-17T15:54:00.001-04:002012-07-17T15:54:06.848-04:00In Introducing EDCAA, the Senate’s Funnyman Al Franken Sees No Humor in Debt Collection Abuses Sen. Franken’s “End Debt Collector Abuse Act of 2012” (<strong>EDCAA</strong>), bill no. S.3350, was introduced on June 27, 2012, and referred to the Committee on Banking, Housing, and Urban Affairs for committee consideration. If passed into law... Read More... <a href="http://www.consumerlitigators.com/2742/consumer-news/in-introducing-the-edcaa-the-senates-funnyman-al-franken-sees-no-humor-in-debt-collection-abuses/">In Introducing EDCAA, the Senate’s Funnyman Al Franken Sees No Humor in Debt Collection Abuses</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-2869243920082953462012-07-10T18:00:00.001-04:002012-07-10T18:00:52.971-04:00Junk Debt Buyer LVNV Funding LLC Busted to the Tune of $12.5 Million Dollars to Resolve Alleged Violations<b><strong>LVNV Funding</strong> LLC</b> is a junk debt buyer, aptly named, because its business model is built entirely around gambling. The losers of its gambling, however, are flesh-and-blood consumers, not faceless casinos in <span style="text-decoration: underline;">L</span>as <span style="text-decoration: underline;">V</span>egas, <span style="text-decoration: underline;">N</span>e<span style="text-decoration: underline;">v</span>ada. Junk debt buyers buy old, defaulted consumer debts for pennies on the dollar and then try to collect the full amount of the defaulted debt. Most junk debt buyers like LVNV Funding... Read More <a href="http://www.consumerlitigators.com/2630/fair-debt/junk-debt-buyer-lvnv-funding-llc-busted-to-the-tune-of-12-5-million-dollars-to-resolve-alleged-violations/">Junk Debt Buyer LVNV Funding LLC Busted to the Tune of $12.5 Million Dollars to Resolve Alleged Violations</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-59135256629248742772012-06-21T15:29:00.001-04:002012-06-21T15:29:05.188-04:00Federal Appeals Court Upholds Finding that Midland Funding Violated the FDCPAFour years after the default, the consumer was still living in Pennsylvania. She had not been sued in a collection lawsuit. Pennsylvania generally has a 4-year statute of limitation for breaches of contracts including the kind of credit the consumer obtained from Gateway. On that basis, the consumer could not be sued in Pennsylvania thereafter because... Read More... <a href="http://www.consumerlitigators.com/2614/fair-debt/federal-appeals-court-upholds-finding-that-midland-funding-violated-the-fdcpa/">Federal Appeals Court Upholds Finding that Midland Funding Violated the FDCPA</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-61823671372164972962012-06-20T15:59:00.001-04:002012-06-20T15:59:38.347-04:00Consumer Wins Spectacular Victory Against Debt Collector Stock & GrimesThe FDCPA protects consumers against time-barred collection lawsuits because courts have interpreted the FDCPA’s fairness requirements to prohibit collection lawsuits on stale debt. When debt collectors like Stock & Grimes file time-barred collection lawsuits against consumers... Read More... <a href="http://www.consumerlitigators.com/2590/fair-debt/consumer-wins-spectacular-victory-against-debt-collector-stock-grimes/">Consumer Wins Spectacular Victory Against Debt Collector Stock & Grimes</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-59150256446587214332012-05-03T16:35:00.001-04:002012-05-03T16:35:36.567-04:00Removing Inaccurate Information from Your Credit ReportsThough the FCRA provides powerful remedies to keep your credit reports accurate, your rights are not self-enforcing. If your one or two written disputes were ineffective in clearing up your credit reports, it’s time to consult with a Consumer Rights Attorney. The credit reporting agencies are notorious for mishandling written disputes, ignoring them, or verifying plainly-wrong information without any explanation. At those times... Read More... <a href="http://www.consumerlitigators.com/2542/fair-credit/removing-inaccurate-information-from-your-credit-reports/">Removing Inaccurate Information from Your Credit Reports</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com1tag:blogger.com,1999:blog-333575212370856274.post-18827986074638737042012-04-11T16:01:00.001-04:002012-04-11T16:01:57.304-04:00Repairing the Damages Caused by Identity TheftWe have experience in removing improper negative credit data appearing on credit reports as a result of identity theft. We even have experience defending identity theft victims who are actually sued and brought to trial. We have forced credit reporting agencies to correct inaccurate credit reports and asserted and enforced the protections offered to identity theft victims under the FCRA. Many of our professional legal services can be offered without up front payment of attorney’s fees or costs because... Read More... <a href="http://www.consumerlitigators.com/2531/fair-credit/repairing-the-damages-caused-by-identity-theft/">Repairing the Damages Caused by Identity Theft</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-37932009614411622272012-04-05T16:53:00.001-04:002012-04-05T16:53:02.236-04:00Consumer Complaints Against Debt Collectors at All-Time HighIf you are being subjected to abusive debt collection tactics, contact a consumer rights attorney. It is illegal for collectors to harass, intimidate, or be unfair to you. Often a simple letter from an attorney will cause an aggressive collector to back off, but you may also be eligible to sue for damages if a debt collector’s attempts at debt collection are especially egregious. A consumer rights attorney experienced in protecting you from the abuse of debt collectors can... Read More... <a href="http://www.consumerlitigators.com/2520/consumer-news/consumer-complaints-against-debt-collectors-at-all-time-high/">Consumer Complaints against Debt Collectors at All-Time High</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com2tag:blogger.com,1999:blog-333575212370856274.post-4039243488886010062012-04-03T19:22:00.001-04:002012-04-03T19:22:55.097-04:00What Are the Differences Between Chapter 7 and Chapter 13 Bankruptcy?Both forms of bankruptcy can be filed by individuals, and they will both have a negative impact on future ability to obtain credit; however, there are some key differences to be aware. The main differences are the control of property and assets and the length of time for court involvement. Under Chapter 7 Bankruptcy, individuals give up their rights to excess property and assets and can get out of bankruptcy quickly. In a Chapter 13 Bankruptcy filing, the individual will generally get to keep control of his or her property, but be under court supervision for a longer period of time. Additionally, in Chapter 13, the individual will work with the court to propose an affordable repayment plans in which to pay debts over time. The quicker and decisive fashion of Chapter 7, sometimes called... Read More... <a href="http://www.consumerlitigators.com/2507/bankruptcy/what-are-the-differences-between-chapter-7-and-chapter-13-bankruptcy/">What Are the Differences Between Chapter 7 and Chapter 13 Bankruptcy?</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-22340900813454814302012-04-02T18:15:00.001-04:002012-04-02T18:15:58.162-04:00CACH LLC Buys Millions in Uncollectable Credit Card DebtsIf you are being pressured by CACH LLC to repay an alleged Bank of America credit card debt, you should contact a consumer rights attorney right away. Not only could your consumer rights attorney explore the inability of CACH LLC to prove the junk debt, there may be other defenses you are not aware. A junk credit card debt will have a complex statute of limitations apply that may exonerate you from having to repay regardless of CACH LLC’s “proof.” Also, if you have discharged the debt CACH LLC allegedly bought from Bank of America, it is actually illegal for CACH LLC to knowingly attempt to collect that debt. In other instances, CACH LLC may not be even able to prove... Read More... <a href="http://www.consumerlitigators.com/2496/consumer-news/cach-llc-buys-millions-in-uncollectable-credit-card-debts/">CACH LLC Buys Millions in Uncollectable Credit Card Debts</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-17102385106592299392012-04-01T15:28:00.001-04:002012-04-01T15:28:39.925-04:00Types of Debt That Can and Cannot Be Discharged in Chapter 7 Bankruptcy The filing of a Chapter 7 Bankruptcy is a very important decision. It requires an analysis of what types of debt you have, when you incurred them, and when you should file a Chapter 7 Bankruptcy petition. Despite the roadblocks and other hurdles Congress put in front of struggling Americans, qualifying for Chapter 7 Bankruptcy can be an extraordinary... Read More... <a href="http://www.consumerlitigators.com/2482/bankruptcy/types-of-debt-that-can-and-cannot-be-discharged-in-chapter-7-bankruptcy/">Types of Debt That Can and Cannot Be Discharged in Chapter 7 Bankruptcy</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-29859017635134954102012-03-22T20:15:00.001-04:002012-03-22T20:15:11.119-04:00What is the Chapter 13 Repayment Plan?Chapter 13 allows petitioners to keep certain property as long as they are making payments. Under this type of Repayment Plan, the bankruptcy petitioner must... Read More... <a href="http://www.consumerlitigators.com/2466/bankruptcy/what-is-the-chapter-13-repayment-plan/">What is the Chapter 13 Repayment Plan?</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-13229577617619744392012-03-20T19:46:00.001-04:002012-03-20T19:46:49.343-04:00What is the Chapter 7 Bankruptcy Means Test, and How is the Test Applied?If your monthly income is less than your state’s median income, eligibility for Chapter 7 can be established and no further calculations are generally... Read More... <a href="http://www.consumerlitigators.com/2445/bankruptcy/what-is-the-chapter-7-bankruptcy-means-test-and-how-is-the-test-applied/">What is the Chapter 7 Bankruptcy Means Test, and How is the Test Applied?</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-88643265293407116672012-03-19T19:00:00.001-04:002012-03-19T19:00:14.065-04:00How Can I Save My Financed or Leased Car in a Chapter 7 Consumer Bankruptcy?Options do exist for saving leased and financed cars in bankruptcy. Most bankruptcy judges and trustees do not want to deprive a consumer of a car. Bankruptcy is a fresh start, and trustees understand that a car is vital to keeping... Read More... <a href="http://www.consumerlitigators.com/2429/bankruptcy/how-can-i-save-my-financed-or-leased-car-in-a-chapter-7-consumer-bankruptcy/">How Can I Save My Financed or Leased Car in a Chapter 7 Consumer Bankruptcy?</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-90177460839009325452012-02-22T20:37:00.000-05:002012-02-22T20:37:01.508-05:00A Guide to the Bankruptcy Section 341 MeetingSo what happens at a 341 Meeting? Generally, you will meet with the Trustee appointed by the bankruptcy court to oversee you bankruptcy proceeding. It is also a time and place where your creditors can examine (question) you about your finances. Understanding what happens at a 341 Meeting can help you prepare... Read More... <a href="http://www.consumerlitigators.com/2330/bankruptcy/a-guide-to-the-bankruptcy-section-341-meeting/">A Guide to the Bankruptcy Section 341 Meeting.</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-53502881802748259522012-02-12T15:06:00.000-05:002012-02-12T15:06:58.045-05:00How Does Bankruptcy Affect My Credit?While filing bankruptcy has a negative impact on your credit reports, it can be the only viable solution left if you are in deep, irreconcilable financial trouble. Although bankruptcy should never be filed lightly, the considerations of credit reports should take a back seat to this extremely... Read More... <a href="http://www.consumerlitigators.com/2318/bankruptcy/how-does-bankruptcy-affect-my-credit/">How Does Bankruptcy Affect My Credit?</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-33649219466557849092012-01-20T04:04:00.000-05:002012-01-20T04:04:33.103-05:00Consumers Increasingly Turn to the FDCPA for Protection Against Unlawful Debt Collection<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" LatentStyleCount="156"> </w:LatentStyles> </xml><![endif]--><!--[if gte mso 10]> <style>
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</style> <![endif]--> <div class="MsoNormal">When consumers find themselves in financial trouble, they might become the victims of harassing phone calls from persistent bill collectors. Most of these companies often practice other unscrupulous techniques that are considered to be against the law. The Fair Debt Collection Practices Act (FDCPA) was passed in the late seventies to safeguard consumers from harassing conduct by debt collectors.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">The Federal Trade Commission (FTC) is given the job of enforcing the FDCPA, but it has been lenient in its enforcement duties. Fortunately, while the FTC declines to perform its obligations, there exists provisions inside the FDCPA which will permit private lawsuits.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b>What Actions Are Forbidden by the FDCPA?</b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal">The FDCPA prevents collectors from utilizing unjust collection procedures to collect consumer bills. This federal legislation states that debt collection agencies will not be allowed to:</div><div class="MsoNormal"><br />
</div><ul><li>Contact consumers ahead of 8 a.m. or after 9 p.m. home time</li>
<li>Call once a consumer has requested in writing that the bill collector stop all communications</li>
<li>Misinform consumers concerning the actual dollar amount due on their debt</li>
<li>Use intimidating or indecent words which include racial slurs</li>
<li>Threaten consumers with being charged and/or jailed</li>
<li>Pretend that they are someone they are not for the purpose of acquiring individual information</li>
<li>Inform a third party about a consumer's bill, like an employer, family member, neighbor, or other unauthorized person</li>
<li>Pay no attention to a mailed demand to validate the consumer debt or to cease all communication attempts</li>
<li>Threaten to damage credit ratings if there is no reporting ability or no intent to report</li>
<li>Create fake representations that the debt collection agency is an employee of a law firm or government</li>
<li>Threaten to cause earnings levied or real estate removed when, the truth is, that threat must not be accomplished or the threat is not intended</li>
</ul><div class="MsoNormal"><br />
</div><div class="MsoNormal">Reports can be submitted using the FTC although it is not going to respond to particular claims submitted. The FTC does, nevertheless, acquire data about trends to permit it to figure out exactly where to commit man power. Statements may be registered with the state's consumer protection bureau and also as well as the local chamber of commerce. Those, too, cannot conduct an investigation about certain claims, although they do assemble data for government investigations.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b>How Can Debt Collectors Violate the FDCPA?</b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal">The most common violations that debt collection agencies use contrary to consumers are the:</div><div class="MsoNormal"><br />
</div><ul><li>Attempted communication with a consumer after submitting a cease and desist letter</li>
<li>Billing interest and costs that the consumer will not agree to pay in the first place</li>
<li>Repeatedly contacting the consumer during restricted times or times the debt collector has learned is annoying for the consumer</li>
<li>Calling the consumer at the job following advice that the employer does not allow for such messages or calls</li>
<li>Threatening to report that a consumer committed a crime</li>
<li>Faking like the collection agency is coming from the lotto, healthcare facility, or some other entity to obtain private data via the consumer or someone else</li>
<li>Stating or threatening to tell associates, parents, employers, or other persons about the balance</li>
<li>Failing to state the obligation as contested to the creditor bureaus following the consumer giving a dispute letter</li>
<li>Calling the debtor after he or she filed a bankruptcy petition</li>
</ul><div class="MsoNormal"><br />
</div><div class="MsoNormal">A lot of states enforce time limits when a debt could be resolved in court. If the debt collector will not file an collection lawsuit during that time frame, the debt collection agency forfeits the privilege to sue. This particular standard is recognized as the statute of limitations and it varies by applicable laws. As soon as the time limit has ended, a debt collector is unable to enforce the financial obligation; however, it may try to recover if the collection agency does not utilize judicial means. In other words, it can still try and collect, it just cannot sue or threaten to sue.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b>Consumer Rights Attorneys Are Empowered to Implement the FDCPA</b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal">Consumers which have failed to keep up with their debt obligations are shielded from being subjected to collection abuse. Consumers possess a right to be handled fairly through the experience of debt collection. Nonetheless, debt collectors that disobey the FDCPA might be punished up to $1,000 because of a prevailing consumer lawsuit. This particular penalty is generally known as "statutory damages" and should in most cases become the property of the consumer. Statutory damages are meant to become a deterrent against illegal loan collection. There are many other remedies afforded by the FDCPA such as actual damages and the payment of attorney's fees and expenses of a lawsuit. These are designed to allow consumers to retain interested attorneys to take on their suit without having the worry of large attorney fees and expenses.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">In case you have been the target of oppressive telephone communications or letters, make sure you contact us at this time in order that we are able to serve by placing a stop to it. We are knowledgeable within the area of fair debt collection practices, and we frequently file FDCPA cases against collection agencies alleged to break fair debt collection laws. Call us now at 610-616-5303 or visit us at <a href="http://www.consumerlitigators.com/">Consumer Litigation Group</a> or email us at <a href="mailto:Info@ConsumerLitigators.com">Info@ConsumerLitigators.com</a>.</div>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0tag:blogger.com,1999:blog-333575212370856274.post-11087478218653524622012-01-15T06:15:00.000-05:002012-01-15T06:15:05.213-05:00Consumer Bankruptcy Provides a Fresh StartTough economic times have caused millions of American consumers to experience extreme financial problems and out-of-control debt. Consumer bankruptcy may be a viable solution for those consumers who just need a financial fresh start. Consumer bankruptcy was designed to provide consumers who are overwhelmed... Read More... <a href="http://www.consumerlitigators.com/2291/bankruptcy/consumer-bankruptcy-provides-a-fresh-start/">Consumer Bankruptcy Provides a Fresh Start</a>Anonymoushttp://www.blogger.com/profile/08970529514819958520noreply@blogger.com0