1 What you need to know about credit card debt collection harassment

In 2015 consumer credit card debt in the United States surged by approximately $71 billion to a total of $917.7 billion owed. Inevitably, some of this credit card debt will go delinquent, sometimes through no fault of the consumer, i.e. job loss / underemployment, unexpected medical expenses, divorce, medical disability and financial illiteracy. Regardless, the […]

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Bankruptcy Debtor has Option to Sue Mortgage Company for either Discharge Injunction or FDCPA Violations

Bankruptcy Debtor has Option to Sue Mortgage Company for either Discharge Injunction or FDCPA Violations A bankruptcy debtor who has legally discharged her mortgage obligation in Chapter 13 bankruptcy may take legal action against the mortgage company in either Bankruptcy Court for Discharge Violations or in Federal District Court for violations of the Fair Debt […]

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1 Has your Debt been sold to a Debt Buyer?

Has your Debt been sold to a Debt Buyer? Encore Capital Group, Inc. (ECG) is headquartered In San Diego, Calif. Its subsidiaries are Midland Funding LLC, Midland Credit Management (MCM), and Asset Acceptance Capital Corp. (AAC). Together, they form the nation’s largest debt buyer and collector. 1 in 5 consumers who have a debt that […]

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The FCC Affirms TCPA Protections Against Robo Calls

The FCC Affirms Telephone Consumer Protection Act Protections Against Robo–Calls Despite Protests by Banks, Debt Collectors and Telemarketers. The FCC voted 2-3 in favor of continuing protections afforded to consumers against nuisance and harassing robo-calling and robo-texting by telemarketers and debt collection agencies. The Telephone Consumer Protection Act (TCPA) enacted in 1991 has been the […]

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