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Are You Being Harassed by Your Creditors?

If creditors are harassing you, you do not have to accept the behavior as part and parcel of being in debt. The Fair Debt Collections Practices Act (FDCPA) protects consumers from unfair and abusive behavior by debt collectors.

A debt collector, for the purposes of the FDCPA, is any debt collector trying to collect money owed to someone else. In some cases, the original creditor …


Unlawful Credit Inquiries Damage Consumers

Poor Credit, Business Concept for Background

On consumer credit reports, there is a section entitled “credit inquiries.” Included in this section is a list of names or companies to which the credit reporting agency has supplied access to the credit report. Many consumers will not recognize the names listed under credit inquiries on their credit report but will assume the inquiries are lawful. But in …


How to Protect Yourself Against Inaccurate Credit Reporting

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Many consumers have inaccurate or false information on their credit report – and they don’t even know it. They discover this fact when they attempt to use their credit to purchase a car or a home or obtain a credit card. The denial they receive in response to the credit check usually inspires them …


What is “Fair” Debt Collection?

Did you know that the Fair Debt Collection Practices Act (FDCPA) protects consumers just like you from abusive debt collection practices? Consumers should not feel helpless because they are receiving continuous requests for payment from collectors or creditors. Consumers who feel helpless in the face of creditor harassment have more power than you realize. You need to be aware of your rights and how …


In the News: State Farm Bank FCRA Lawsuit Settlement Announced

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When State Farm Bank allegedly obtained consumer reports without a permissible purpose, they were in violation of the Fair Credit Reporting Act (FCRA) and Regulation V. In late 2018, a settlement was announced to resolve the suit. According to the settlement, State Farm Bank, a federal savings association agrees not to violate the FCRA or Regulation V. They …


In the News: Night Club Accused of TCPA Texting Violations

In a nationwide class action lawsuit, plaintiffs allege that a prominent Miami nightclub, Diskolab, violated federal text messaging law under the Telephone Consumer Protection Act (TCPA). The claims came in response to a text message campaign that began on January 8, 2019. The case remains in the pleading stages of the proceedings in the United States District Court for the Southern District of Florida.


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