by John Skiba, Esq. | Jun 13, 2016 | Fair Debt Collection, FDCPA Claims
In days past if a person couldn’t pay their bills debt collectors would send a few letters and make a few collection calls, but if payment wasn’t received within a certain time period the debt was often charged-off by the creditor and the consumer rarely...
by John Skiba, Esq. | Jun 8, 2016 | Fair Debt Collection, FDCPA Claims
With all the regulations governing debt collectors the telephone is still the quickest (and most annoying) way for a debt collector to try and get in touch with you. Even though debt collectors are clearly aware that most people now have cell phones and can easily...
by John Skiba, Esq. | May 24, 2016 | Fair Debt Collection, FDCPA Claims
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that sets the rules for debt collectors can do and say while trying to collect on a debt. While the FDCPA is a federal law, it protects people from the abusive tactics of debt collectors....
by John Skiba, Esq. | Sep 9, 2015 | Collection Law Suits, Debt Collection Lawsuits, Fair Debt Collection, FDCPA Claims, Newsletter
Finally! Today the Consumer Financial Protection Bureau (“CFPB”) took action against Midland Funding (and its parent company Encore Capital) and Portfolio Recovery Associates – the nation’s two largest junk debt buyers – for their...
by John Skiba, Esq. | Sep 8, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection, FDCPA Claims, Newsletter
I have written previously on the bias that consumers face from courts and others when they challenge a creditor who is suing them on a debt. The source of this bias, in my opinion, is partially due to the trust that people put in large banks. For reasons that are...
by John Skiba, Esq. | Aug 31, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter, TCPA
Struggling with overwhelming debt problems is stressful – and a big source of that stress is the unending debt collection telephone calls. And now that we all have a cell phone with us pretty much 24 hours a day debt collection calls seep into nearly every...
