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Entries Tagged as 'FTC'

Credit Bureaus Employ Illegal Methods to Investigate Disputes

July 23rd, 2009 · 6 Comments · Credit Bureaus and Scores, Credit Repair, Credit Reports

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 [...]

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How Can I Consolidate my Debt without Paying Fees?

July 21st, 2009 · No Comments · Consumer Debt, Credit Cards, Debt Settlement

Hmmm….another one of these “How do I diet without dieting?” questions. All sarcasm aside, this request for information is fairly common, so I thought give my thoughts on the matter.
Q. How Can I Consolidate my Debt without Paying Fees?
A. I assume when you say “consolidate”, you mean that you want to [...]

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Do Collection Agency “Cease and Desist” Letters Prevent Response to Credit Disputes?

July 10th, 2009 · 2 Comments · Consumer Debt, Debt Collection, Legal Stuff

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 [...]

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FTC Report Recommends Changes to Fair Debt Collection Practices Act

March 6th, 2009 · 2 Comments · Consumer Debt, Consumer Info, Debt Collection

On February 26, 2009 the FTC released a recommendation to Congress for changes in the Fair Debt Collection Practices Act (FDCPA). The recommendations were based on an October 2007 debt collection conference. In its recommendation for changes, the FTC said that “the nature of consumer debt has changed in numerous important ways since [...]

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