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Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (aka FDCPA), 15 U.S.C. § 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
How to collect a time barred debt without violating Fair Debt Collection Practices Act
Here is an interesting conundrum. Defendant Portfolio Recovery Associates ("PRA") purchased a time barred debt from Brewer and sent Brewer a "notice" that the debt has been transferred...
Fair Debt Collection Practices Act Complaints on the Rise
Although in-house debt collector complaints are down by 6.5% in 2007 from the previous year, the complaints about third-party debt collectors increased by 2...
The Fair Debt Collection Practices Act and Property Managers
The federal Fair Debt Collection Practices Act (FDCPA) applies to any person who regularly collects or attempts to collect debts for another...
FAQ On Fair Debt Collection Practices Act - Collector Harassment
In these troubled economic times there will be more and more harassment by debt collectors and debt buyers as Alabama consumers will continue to be squeezed tighter and tighter financially by what is going on in our country...
FTC publishes its Annual Report on the Fair Debt Collection Practices Act
We recently came across the Federal Trade Commission's "Annual Report 2007: Fair Debt Collection Practices Act" report. This report mainly addresses 2006 and provides two basic things: First, it provides statistical data on the number and kinds of complaints it receives from consumers alleging abusive debt collection practices...
FTC's 2008 Report on Fair Debt Collection Practices Act
We recently posted on a FTC Report on the Fair Debt Collection Practices Act and now there is a well written post on the California Debt Blog about the most recent FTC report - please read it in its entirety here...
Some elses debt is being reported by a bank to the crecit agencies. They know and have ackowledged it is not mine, yet it is still being listed as mine. it was my son's and no I didn't co-sign. It is adversly
It is easy for the bank and the credit reporting agencies to clear this confusio...
Am I obligated to pay on a home equity line of credit that has been discharged through chapter 7?
The reaffirmation is done through the payments you have been making to the compa...
Will quick claiming a deed on a property that may go into foreclosure absolve me of responsibility for the debt?
take 3 asprin and call me if you feel better...
Is there a state of limitation (SOL) for collection from a government agency (WI)?
the loan will have to be paid, especially if it is a federal loan. they will gar...
Can an employer take back money that they paid me after I quit the company?
State Case Law differs in each State and to find a case particularly dealing in ...
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Some elses debt is being reported by a bank to the crecit agencies. They know and have ackowledged it is not mine, yet it is still being listed as mine. it was my son's and no I didn't co-sign. It is adversly
It is easy for the bank and the credit reporting agencies to clear this confusio...
Am I obligated to pay on a home equity line of credit that has been discharged through chapter 7?
The reaffirmation is done through the payments you have been making to the compa...
Will quick claiming a deed on a property that may go into foreclosure absolve me of responsibility for the debt?
take 3 asprin and call me if you feel better...
Is there a state of limitation (SOL) for collection from a government agency (WI)?
the loan will have to be paid, especially if it is a federal loan. they will gar...
Can an employer take back money that they paid me after I quit the company?
State Case Law differs in each State and to find a case particularly dealing in ...
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