Errors on your Credit Report

Every person is entitled to one free credit report a year at 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 […]