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GOVERNMENT ASKS FOR FEEDBACK ABOUT CREDITORS
Feedback from consumers in Florida and around the country about their experiences with debt collection agencies is being requested by the Consumer Financial Protection Bureau. While the agency has noted that collection practices are necessary to keep credit available...
LAST MINUTE WAYS TO STOP FORECLOSURE
For those who have fallen behind on their house payments, losing their home may seem inevitable. Even at the last minute, however, there are steps that can be taken in order to stop foreclosure. Although laws vary from state to state, Florida has a few options that a...
HOW BANKRUPTCY AFFECTS CREDIT REPORTS
After the bankruptcy process is over, it may be a good idea for residents of Florida to check their credit report to make sure the information is being correctly reported. Because one is no longer subjected to phone calls from debt collectors, it may not seem...
AMERICAN EXPRESS ORDERED TO REFUND MONEY TO CREDIT CARD HOLDERS
Keeping an eye on what your credit card company is charging you for is one way that you can make sure you are being as financially responsible as possible. While some charges are permissible and must be paid, other charges may not be considered fair and might not have...
WORDING DEVIATIONS COMPLY WITH FAIR DEBT COLLECTION PRACTICES ACT
Getting anything in the mail from a debt collector makes for a stressful situation, especially if there isn't money available to pay the bill. For some people, understanding the wording on these letters can lead to a misunderstanding about the expectations the...
ABANDONING A HOME DURING BANKRUPTCY AND FORECLOSURE PROCEEDINGS
The two main types of bankruptcy for homeowners are Chapter 7 and Chapter 13. Of course, both have a different outcome for the homeowner. With Chapter 7, homeowners often ask the courts to discharge their mortgage debt altogether, while with Chapter 13, debt is...
CAPITAL ONE UNDER FIRE FOR ITS COLLECTIONS CONTRACTS
Capital One has been in the news lately, and it hasn't all been good. Wording in the credit card provider's contracts has led some people to believe that the company had the right to come to a person's home to collect on a debt. Capital One, however, is combating the...
CREDITOR HARASSMENT ISN’T SOMETHING YOU HAVE TO DEAL WITH
Dealing with debt collectors isn't likely on a list of anyone's pleasurable activities. There are some instances in which dealing with creditors or third party collection agencies can be a real test of patience. Fortunately, consumers do have some rights when dealing...
LAWSUIT FILED OVER REPOSSESSION OF VEHICLE
One man has filed a suit against a Chase Bank after it allegedly failed to apply his payments and send him proper notification about his car loan. He is suing the financial institution over the repossession of his vehicle, asserting that a bankruptcy case should have...
MIAMI WOMAN SEEKING DAMAGES FOR BANK’S ROBOSIGNING
A south Florida woman is causing some trouble for financial leader JP Morgan Chase Bank by filing a claim alleging that the bank's credit card division engaged in fraud. On March 11, the Miami resident filed suit in the Southern District of Florida. Among other things...
DEBT COLLECTIONS ON DEBTS NOT OWED RUNNING RAMPANT
Dealing with creditors isn't something that most people want to do. When you know that you don't owe the debt, dealing with the bill collectors is even worse. An annual report by the Consumer Financial Protection Bureau shows that the case of creditors trying to...
FLORIDA RESIDENTS CAN END DEBT COLLECTION HARASSMENT
What is worse than getting calls from debt collectors? How about getting calls from debt collectors when you don't actually owe them any money? Such is the situation faced by one Cape Coral couple who kept getting collection calls for a woman with a name...
BE WARY OF PUSHY DEBT COLLECTORS
Anyone who has debts that are behind has likely answered the phone only to find out that the caller is a debt collector. These phone calls can go downhill fast. In some cases, the caller might be a legitimate debt collector who will try to work with you to get your...
WHAT FLORIDA DEBT COLLECTORS MAY AND MAY NOT GET AWAY WITH
A Florida debt collection agency contacted a consumer via mail regarding an alleged past due amount of $128. The consumer was unsure about the origin of the debt and requested further clarification from the agency over the phone. He was told only that it was about...
ARE YOU JUDGMENT PROOF? WHAT FLORIDA RESIDENTS NEED TO KNOW
Miami residents trying to get their financial houses in order may wonder what the effect is when one has a judgment levied against them by the courts. The answer really depends on many factors. Some debtors may have their wages attached or even have some of their...
MAN CHALLENGES VALIDITY OF DEBT COLLECTOR CLAIMS, CLAIMS DROPPED
When you owe someone money, the last thing you probably want is to have to deal with are constant reminders about the debt. It seems, however, that some debt collectors think that if they use scare tactics or harassment, that debtors will magically be able to pay the...
BANK TO PAY FAMILY $6M IN FORECLOSURE DISPUTE
A popular bank has agreed to pay over $6 million to a couple in another state after a judge decided that the bank had harassed the couple and forced them out of their home illegally. The mortgage unit of the bank is accused of conducting an illegal foreclosure,...
DON’T FALL FOR SHADY DEBT COLLECTOR TACTICS TO TAKE YOUR ASSETS
It seems so easy to just ignore phone calls and notices from collection agencies but doing so might prove to be detrimental to your finances. In some cases, bottom-feeder debt collectors are betting that consumers don't really pay attention to notices they send....
CAN DEBT COLLECTORS USE SOCIAL MEDIA TO TRACK CONSUMERS?
Many Miami residents enjoy updating their social media sites and have carefully curated their LinkedIn, Facebook and Twitter pages. What most consumers never consider as they utilize social media in their interactions with family, friends and business contacts is that...
DEBT COLLECTOR FINED $4 MILLION FOR UNFAIR PRACTICES
A debt collection company has been ordered to pay $4 million in penalties imposed by the Federal Trade Commission. The penalties relate to the company's violations of the Fair Debt Collection Practices Act and the FTC Act. Allegedly, the debt collection agency...
TEMPORARY RELIEF FROM FORECLOSURE GRANTED TO STORM VICTIMS
Hurricane Harvey recently left a path of devastation in the Southern U.S. that could take years to clean up. In the midst of this, many people have had to flee their homes, leave their jobs and are not sure yet when they can return. As is often the case in such...
$20 DEBT LEADS TO CREDITOR HARASSMENT, LAWSUIT CLAIMS
When big companies extend credit to people, they are taking a chance that the person will repay the money. For the most part, people will pay those bills. There are some instances in which the person is unable to pay for the bill for whatever reason. In those cases,...
BASIC INFORMATION ABOUT THE FAIR DEBT COLLECTION PRACTICES ACT
Dealing with creditors isn't high on the list of activities considered fun for most people. Regardless, if the debt collectors are calling, it is important for you to know your rights. These rights are covered under the Fair Debt Collection Practices Act. That act,...
DEBT COLLECTORS AND CREDITOR HARASSMENT
Florida residents with spotty credit histories may find their debts have been turned over to debt collection agencies who try various methods to get the debt repaid. Some of their methods can definitely be annoying if not outright...