our attorneys
FineLaw_15_Oct2013
How Do I Stop Annoying Phone Calls?
A number of people have asked me lately: What do I do to stop annoying phone calls? This answer is meant to help you understand your rights and how to get the calls to stop. In addition, an illegal phone call may result in you having a valuable cause of action against the caller for a violation of [...]
What should you do if you’re sued for a debt?
Credit card and debt collection lawsuits are amongst the most prevalent in the country. In some jurisdictions, more than half of all lawsuits filed are brought in an attempt to collect an alleged consumer debt. In upwards of 80-90% of these cases, the collectors win by default – and that is what they are hoping [...]
Jail time for defaulting on a payday loan?
Recently, someone asked a question on Avvo.com – where I am a very active contributor – that I wanted to share with my readers here. Briefly, the person asked whether they would get thrown in jail for defaulting on a payday loan. Apparently, they got a call from a debt collector demanding payment. The collector [...]
Don’t belief the myth that “They are all deadbeats”
Many people are under the impression that if a company is trying to collect from someone, they must be a deadbeat. The truth is that over 97% of consumers pay their bills on time. Of the remaining 3%, almost all have fallen behind because of extenuating factors. Most were either laid off from a job, [...]
Night of the Living (Dead) Debt
Zombie debt is old debt that was dead and came back to life – many times as a result of the naivety and unsuspecting actions of a consumer. Third party debt collectors often buy debt which should be dead or uncollectable, because of lapse of time, settlement, discharge in bankruptcy, or other reasons, but is [...]
How many lawsuits?
Is it possible that there are more debt collection lawsuits filed in the United States than all others combined? Debt collectors abuse consumers, and they abuse the legal system as well. A study published in 2008 in the Florida Law Review observed that Virginia, with a population of about 7 million, is inundated with more [...]
How to Best Deal with Aggressive Debt Collectors
I recently posted a guest blog on another site on this topic. Please see: http://getoutofdebt.org/44442/how-to-best-deal-with-aggressive-debt-collectors
Is a debt collector calling your cell phone?
Did you know that it is unlawful for a debt collector to call you on your cell phone without your express permission? Not only that, but EACH TIME a debt collector calls you unlawfully on your cell phone, you may be entitled to up to $1,500 per call. A debt collector who calls you using [...]
Beware of Scam Debt Collectors
The Federal Trade Commission (FTC) recently shutdown two scam companies using call centers in India to bilk intimidated consumers out of more than $5 million. These scammers posed as debt collectors and made over 8 million phone calls to unsuspecting consumers. In large part, they targeted “debtors,” who didn’t even owe any debt. According to [...]
