Errors on your Credit Report
Every person is entitled to one free credit report a year at annualcreditreport.com or you can call 1-877-322-8228. The Fair Credit Reporting Act (“FCRA”) regulates credit […]
Errors on your Credit Card or Bank Card Statements
The Fair Credit Billing Act (“FCBA”) provides a consumer the right and ability to dispute errors on their credit card or bank statements. The dispute occurs, […]
Step 1: Disputing the Debt
Pursuant to the Fair Debt Collection Practices Act (“FDCPA”), a debt collector is required to send (within 5 days of its initial communication with the consumer) written notice […]
When Debt Collectors Call
If you’re being harassed by debt collectors there a few things you should do: 1. As soon as you receive the debt collection company’s initial notice […]
When Debt Collectors Sue
Debt collectors have multiple means of collecting debt. Two primary forms are judicial and non-judicial collections. Judicial collections refers to collections involving the legal system, such as wage garnishment or debt collection lawsuits. Non judicial […]
Your Rights Under the FDCPA
Did you know: 1. The Fair Debt Collection Practices Act (“FDCPA”) was enacted because congress found “abundant evidence of the use of abusive, deceptive, and unfair debt […]