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 [...]
Entries from April 28th, 2008
Collection agencies “subbing” out phone calls to India
April 28th, 2008 · 5 Comments · Consumer Debt, Debt Collection
Tags: collection agencies·Indian Companies·JDBs·violations of FDCPA
New bill in NewJersey establishes $10K Fine for Debt Collection Violations
April 25th, 2008 · No Comments · Consumer Debt
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 [...]
Tags: Debt Collection Practices·Fair Debt Collection·New Jersey Fines Consumer·violations
Experian and Equifax now taking 45 days to investigate if you’ve EVER gotten a free credit report
April 23rd, 2008 · 1 Comment · Credit Bureaus and Scores
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 [...]
Tags: annualcreditreport.com·Dispute·Equifax·Experian·Free Credit Report·Investigate
Capital One Trolling Discussion Boards to use as Evidence in Court Case
April 17th, 2008 · 3 Comments · I'm being sued!
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 [...]
Tags: Capital One·Creditinfocenter.com·Discussion Boards·lawsuits·Posting Evidence
