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CAN CREDITORS GO AFTER RELATIVES OF DECEASED FOR UNPAID DEBTS?
When a loved one passes away, the last thing surviving family members want to be concerned with is whether or not all of their loved one's debt is paid. However, along with grieving the death of a loved one, Florida families may be required to address their deceased...
ARE FAMILY MEMBERS RESPONSIBLE FOR PAYING DEBTS OF DECEASED?
Earlier this week, our Miami bankruptcy law blog discussed the Federal Trade Commission's recent publication regarding the collection practices of a deceased individual's debt. The FTC reported that the agency will not go after companies who attempt to collect on a...
FLORIDA WOMAN VICTIM OF BILL COLLECTOR “HOPSCOTCHING”
Though there are laws in Florida regarding how debt collection agents can do their jobs, this does not stop many from attempting to collect the debt using threats and harassment. A Florida woman knows that all too well. The kicker? The debt over which she is being...
AVOIDING FORECLOSURE: 4 ESSENTIAL TIPS
The thought of losing your home can be a scary proposition. After all, your home is the centerpiece of your family's life, the place you consider your sanctuary from the world. Unfortunately, there are times when life intervenes and making those mortgage...
UPDATE PROPOSED TO TELEPHONE CONSUMER PROTECTION ACT
With the widespread availability of cell phones and wireless plans, across the country individuals are abandoning their landline telephones. There are a variety of reasons for this. Some people are trying to save money. Others deem it to be unnecessary. Whatever the...
COLLECTION FIRM CLOSED AFTER BIZARRE CASE OF HARASSMENT REPORTED
Today's economy has put many people in financial situations they never thought they would find themselves. Every day individuals throughout the state of Florida are contacted by debt collection agents seeking money owed on a variety of things including...
DEVELOP A PLAN THAT GUARDS AGAINST HOME FORECLOSURE
The family home is the greatest asset that you will own when it comes to economic security and emotional commitment. You strive to provide a safe and happy place to raise your children and build memories that will last a lifetime. Unfortunately, your financial...
COLLECTION AGENCIES RACKING UP MORE LAWSUITS
Consumers who owe money to creditors in Miami know that sometimes collection agencies are too aggressive. They call in the middle of the night. They call several times a day. They bother consumers at their workplaces. Though these and other forms of harassment...
BASIC TIPS ON HOW TO DEAL WITH DEBT COLLECTORS
Debt collectors are becoming increasingly more aggressive. The Federal Trade Commission (FTC) has logged more than 140,000 complaints in the past year. The FTC is responsible for enforcing the Fair Debt Collection Practices Act (FDCPA) and ensuring that debt...
GOVERNMENT CRACKDOWN ON DECEPTIVE COLLECTION FIRMS
Outraged consumers have charged collection firms with creditor harassment for decades. From Los Angeles to Miami, the federal government is targeting those collection operations that are wildly deceptive--sometimes, illegal--in their tactics. Currently, the Federal...
CAN FILING BANKRUPTCY HELP WHEN FACING FORECLOSURE IN FLORIDA?
People often wonder whether filing bankruptcy would help them when their property is about to be foreclosed on. While it is not the ideal situation, many Florida residents find themselves falling behind on their mortgage payments, and while some consumers are able to...
UNETHICAL DEBT COLLECTORS CROSS THE LINE WITH UNETHICAL CONDUCT
Creditor harassment is on the rise throughout the country including Miami. Although federal laws protect consumers against unfair debt collection practices, collection agencies still use abusive practices to try to collect money from consumers. At some...
DEBT DOES NOT STRIP DEBTORS OF RIGHTS
Throughout the state of Florida, individuals are drowning in credit card debt. Florida residents are not alone in this. Throughout the United States, studies recently indicate that on the average, consumers carry four credit cards. In total, the average debt is...
DESPITE REGULATIONS, CREDITOR HARASSMENT CONTINUES
Creditor harassment and inflammatory threats are prohibited by law. Yet, these illegal activities continue by over-enthusiastic debt collectors. While these debt collectors' calls are annoying, some firms even ignore U.S. bankruptcy regulations, making persistent...
OVERVIEW OF MORTGAGE FRAUD
Mortgage fraud is, unfortunately, an ongoing problem all over the country. When the 2008 Financial Crisis struck, many people lost their homes as the banks foreclosed on them. But, many banks do not directly attempt to collect on bad debts because the cost is...
CONSUMERS FACED WITH DEBT ALSO HAVE TO DEAL WITH DEBT COLLECTORS
A 53-year-old professional drummer was having the time of his life before the hard economic times hit throughout the nation and in Florida. In 2008, his world came crashing down when he no longer received calls for work, a lull that lasted months. Due to daily...
BANKRUPTCY AND FORECLOSURE: WHAT ARE THE LIMITS?
Many people choose to file bankruptcy when they want to start over by wiping their financial slates clean. Some Florida residents have chosen bankruptcy as a way to stop foreclosure, reduce their monthly payments or just remove their debt altogether. But are there...
ARE YOU AWARE OF CREDITORS’ NEWEST TACTICS?
Individuals facing financial hardship in Miami and throughout the nation are handling a lot of stress. In addition to the guilt that many feel surrounding the issue, they may be dealing with creditor harassment as well. Collection agents are constantly changing the...
COLLECTORS BECOMING MORE AGGRESSIVE WITH CREDIT CARD DEBT
Miami is not immune to the growing credit card debt of other Americans. As long as an individual's cash flow is sufficient and his/her debt management skills are first-rate, this increasing indebtedness may not pose a problem. However, if cash flow falters, consistent...
MAN FOUND GUILTY OF FORECLOSURE SCAM
After just for days of trial, a jury in another state has found a 29-year-old man guilty on various counts of fraud. According to the evidence presented at the trial, the man was pronounced guilty of eight counts of mail fraud affecting a financial institution and one...
TAKE DECISIVE ACTION WHEN FACING DEBT COLLECTORS
If you live in the Miami area and have heard from one or more debt collectors recently, understand your rights and take action as soon as possible. This is critically important to avoid creditor harassment for debts you may feel are no longer valid. The Fair Debt...
COUPLE WON’T BACK DOWN AGAINST ABUSE FROM COLLECTORS
This blog has previously reported on the lengths that creditors and debt collectors will go to collect money they are owed. This story out of another state, will leave a bad taste in most of our Miami readers' mouths. A man who bravely served his country and suffered...
HOW CREDIT SCORES ARE AFFECTED BY REPOSSESSION
It can happen to anyone. Loss of a job, an illness, a death or any other loss of income can cause Florida residents to experience a repossession. While it can be embarrassing for someone to have a car, home, boat or other property repossessed, a main concern is likely...
DEBT COLLECTORS REACHING DEBTORS THROUGH SOCIAL MEDIA
When most people log on to their social media page they expect to hear about a niece's recital, a friend's softball game, answer a Farmville request, or to view a picture of a cute puppy accompanied by some random words of wisdom. What they don't expect is a message...