You knew it had to happen - Collection Agencies are subbing out to India. So now it’s a call from India you are going to get when a collection agency or JDB is going to call you. So if they are violating the FDCPA - who are you going to sue? You […]

Popularity: 9% [?]

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Go New Jersey! Now that the sub-prime crisis is at its height, you know debt collectors are getting more aggressive. We posted before that the FTC’s report on collection agency agency consumer complaints showed a dramatic increase in unethical practices of the collection agency industry.
FTC report: http://www.ftc.gov/os/2008/03/P084802fdcpareport.pdf
Link to Bill: http://www.njleg.state.nj.us/2008/Bills/A2500/2493_I1.HTM
A timely bill has […]

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Under the FACT Act which passed in 2003, if a consumer pulls their annual free credit report to which they are entitled once a year, the credit bureaus have 45 days to investigate disputes rather than 30 days. Apparently, since it doesn’t specify which kind of time frame this can happen, it means FOREVER.
This […]

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On our discussion boards, this thread caught my eye:
http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=284667
Hello everyone. Just got back from court ordered arbitration. It went surprisingly well. I did have quite a surprise when the attorney for the plaintiff (capital one) entered all my forum entries related to this case off this forum into evidence. Since it is a public forum […]

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I received the initial letter on 2/18/08, but this played out nicely and thought I would share as it is a good reason why the consumer should NEVER roll over to a collection agency.
I’ve posted all the updates.
“Three years ago I switched cell phone providers. I am fairly sure I settled up with the old […]

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Well, OK,I don’t have a judgment. But one of my clients does. I’m giving you the conversation as a bit of enlightenment on judgments.
Client: “I have a judgment for $2000, but it was entered in error. They sued me in Utah and I lived in California.”
Me: “Ok, so when was the […]

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Well, actually, you have to read the fine print. They are up 57% from one year ago. But March’s figures were up 5% from February, so no matter how you slice it, things are getting bad. And I predict they will get worse.
According to a Reuters story today, the 4 top states for […]

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Remember my post where a woman working at a debt consolidation firm felt guilty about the poor people in her field?
Here is the flip side of morality, someone who is working as a collector and being pretty unethical about it:
Check out the video.
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This is from a client who just successfully defended themselves against Palisades. Too bad the entire country doesn’t hold to such standards.
“We objected when the Plaintiff lawyer tried to enter a Statement of Account into evidence, and we spoke of Palisades never Validating debts (showed copies of EVERYTHING) the judge ruled in OUR […]

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Dennis v. BEH-1, LLC, 2007 WL 2769650 (9th Cir. Sept. 25, 2007)
Basically, the defendant, Dennis, had Experian report that a judgment had been entered against him, when in fact, although a complaint had been filed, the judgment was dismissed. The defendant had submitted documents proving this, and also requested that the credit bureaus check […]

Popularity: 5% [?]

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