When debt collectors call you regarding debts, they believe you owe -- even if they're mistaken that you owe money or you can't pay the debt -- it could be a good idea to speak with them once. This can help determine whether the issue is resolvable. It will also give...
What behaviors violate the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates how mortgage, medical billing and credit card companies may attempt to collect on a debt. It also prohibits collection agents from being allowed to use deceptive, abusive or unfair...
Signs of debt collector harassment in Minnesota
Debt collectors are required to follow the law known as the Fair Debt Collection Practices Act. This law helps to protect the public, also known as consumers, from unfair collection practices. Even with this law in place many debt collectors continue to use unfair...
Taking action against debt collector abuse
When you are struggling to pay off your debts and keep up with repayments, it can be one of the most stressful things when you have to deal with abusive debt collectors. The government recognizes that accumulating debts puts a great strain on individuals and...
There are things debt collectors aren’t permitted to do
If you slip behind on any of your bills, there could come a point in the future when you hear from a debt collector. This may start with a letter in the mail, but it could soon move to phone calls at some point. As a consumer, you know that debt collectors have the...
Are debt collectors refusing to stop calling your work?
Maybe you've had a rough couple of months and fell behind on your credit card payments. Perhaps you had an emergency medical situation, and you can't pay the bill in full. If a creditor has turned over an account in your name to a debt collection agency, you could...
7 examples of unfair debt collection practices
You've fallen behind on your debts. Some of them have gone to collections. Now you're starting to get phone calls. Of course, they're annoying to you. They're frustrating. You didn't want to reach this point. But are they illegal? Below are seven examples of unfair...
You’re protected under the Fair Debt Collection Practices Act
Have you been continuously called or bothered by debt collectors? Has a collector told you that you might be arrested if the debt is not paid? The Fair Debt Collection Practices Act (FDCPA) is in place to stop this kind of behavior. The Act requires that debt...
Don’t get frozen out by credit reporting errors
When was the last time you checked your credit report? Many people do not check their credit reports until they are attempt to get financing and find that credit is either denied or offered at less than favorable terms. Credit reporting errors can have significant...