by CEF | Feb 23, 2017 | CFPB, Collection Calls, FDCPA, General
If you feel that debt collectors have been threatening you and crossing the line, you are not alone. The Consumer Finance Protection Bureau recently released a survey reporting that more than one-in-four consumers feel threatened by a debt collector, and a majority...
by CEF | Jan 4, 2017 | Collection Calls, Credit Reports, General
Negotiating with people you owe money to is never easy. You feel guilty for falling behind in your payments and creditors use that guilt to extract concessions from you that sometimes you cannot make. Here are a few things you need to know when dealing with...
by CEF | Dec 28, 2016 | CFPB, Collection Calls, FDCPA, General
Other posts on this blog talk about aggressive debt collectors and your rights under the FDCPA. In this post I want to talk about what you can realistically do when the collection calls are ringing your phone off the hook. First, you should know that if they are...
by CEF | Dec 28, 2016 | Collection Calls, FDCPA, General
Under the Fair Debt Collection Practices Act (“FDCPA”) debt collectors are prohibited from doing the following: Contacting consumers by telephone outside the hours of 8AM to 9PM local time. Communicating with consumers in any way (other than litigation)...
by CEF | Dec 28, 2016 | Chapter 13, Chapter 7, Collection Calls, General, Seniors
Typically when harassment by debt collectors is overwhelming people start to think about filing for bankruptcy. But for low income seniors bankruptcy may not always be the best option, especially if the debts in question involve debts like medical bills or credit...
by CEF | Dec 23, 2016 | Chapter 13, Chapter 7, Collection Calls, FDCPA
Why do people file for bankruptcy? The thing that drives most people into bankruptcy is the aggressive debt collection activity that most debt collectors use. They call night and day. They send countless letters demanding payment. They threaten to sue. The bank...
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