debt collection

A Little Credit

During the past few years, consumers have complained to the Federal Trade Commission about debt collection more than just about any other single topic. It’s no surprise, then, that when we asked legal services attorneys and non-profits across the country what issues resonate most with the people they see, credit and debt topped that list, too. Continue Reading >

A Text Twist on Debt Collection

Yet another text message. Who’s this one from? Seriously? A debt collector?

Getting texts from debt collectors might be annoying, but it’s not illegal. What is illegal is an incomplete disclosure and a harassing or deceptive attempt to collect money. For example, it’s against the law for debt collectors to pretend to be attorneys or falsely threaten to sue you, regardless of how they communicate — through texts, through letters, or through phone calls.  Continue Reading >

Facing Debt Collection? Know Your Rights

Dealing with financial trouble is stressful enough. But when a debt collector is hounding you using unscrupulous methods, it can make matters even worse.

The fact is, you have some rights when it comes to dealing with debt collection agencies. They’re spelled out in the Fair Debt Collection Practices Act (FDCPA), which  protects consumers from abusive, harassing or unfair debt collection practices, and is enforced by the FTC. Here’s the abbreviated version of the key provisions: Continue Reading >

Haunted by Phantom Debt?

Phantom debts – sounds a little like a ghostly Halloween prank. Unfortunately, it’s no joke. Some fake debt collectors may try deception and threats to pressure you to pay debts that you don’t owe. The FTC recently settled a case with debt collectors, Pinnacle Payment Services, Lisa Jeter, her partners and related companies about just these kinds of practices.

Imagine getting a phone message like this: Continue Reading >

World’s Largest Debt Collector Pays the Price for Harassing Consumers

If you’re behind in paying your bills, or a creditor’s records mistakenly show that you are, a debt collector may contact you. You have the right to be treated fairly by debt collectors. They can't use abusive, deceptive or unfair practices to collect from you. That includes making harassing phone calls. But according to the Federal Trade Commission, that’s just what the world’s largest debt collection operation did. Continue Reading >