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	<title>Creditinfocenter Blog &#187; FCRA</title>
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		<title>I&#8217;m Not Sure What to Say In My Letter to a Collection Agency</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 15:16:52 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[debt verification]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[junk debt buyer]]></category>
		<category><![CDATA[negative listing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311</guid>
		<description><![CDATA[Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say.  In general, it&#8217;s not usually a good idea to speak to a collection agent when they call, let alone respond to a letter over the phone.  This [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Lawsuits Against Creditors Reach Record Levels</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/08/19/lawsuits-against-creditors-reach-record-levelsy/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/08/19/lawsuits-against-creditors-reach-record-levelsy/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 15:13:24 +0000</pubDate>
		<dc:creator>Kristy</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[I'm suing those guys!]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Attorney General's office]]></category>
		<category><![CDATA[collection]]></category>
		<category><![CDATA[Consumer Law]]></category>
		<category><![CDATA[consumer lawsuits]]></category>
		<category><![CDATA[Daniel A. Edelman]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[Late Pays]]></category>
		<category><![CDATA[litigants]]></category>
		<category><![CDATA[violations]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3138</guid>
		<description><![CDATA[As of July 31, 2009, 5039 credit and debt related lawsuits across the USA haved been filed.  In 2008, breaking the 5000 level took until October. The basis of these lawsuits were violations of the Fair Credit Reporting Act (FCRA) and Fair Debt Collections Practices Act FDCPA.  The number includes lawsuits filed consumers [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/08/19/lawsuits-against-creditors-reach-record-levelsy/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Bureaus Employ Illegal Methods to Investigate Disputes</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/23/credit-bureaus-employ-illegal-methods-to-investigate-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/23/credit-bureaus-employ-illegal-methods-to-investigate-disputes/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 15:44:30 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[automated investigations]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[credit report disputes]]></category>
		<category><![CDATA[eOscar]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Good Credit]]></category>
		<category><![CDATA[information furnisher]]></category>
		<category><![CDATA[investigations]]></category>
		<category><![CDATA[Leonard Bennett]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2583</guid>
		<description><![CDATA[Once again, my favorite consumer attorney, Leonard Bennett, is taking the credit bureaus to task.  He contributed to a January 2009  report to the FTC which documents the way credit bureaus investigate consumers disputes (the report was written by Chi Chi Wu).    It concludes credit bureaus are breaking the law [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Do Collection Agency &#8220;Cease and Desist&#8221; Letters Prevent Response to Credit Disputes?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 10:00:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit disputes]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[information furnishers]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[written request]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2315</guid>
		<description><![CDATA[The FDCPA was written with an eye towards protecting consumers from collection agency harassment.  Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer.  
Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers.  An example of [...]]]></description>
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		<slash:comments>4</slash:comments>
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