Consumer Law

Can Debt Collectors Charge Interest on Charged-Off Debts? hundred dollar bills, FDCPA attorneyWhen a debt is charged-off, collectors may not charge interest or other fees not explicitly stated in the original agreement or authorized by law. As per federal regulations, a credito... read more
Will This Debt Trap Continue To Thrive?
 a sad man holding a paper with dollar sign, debt lawyerRollbacks in payday loan legislation could allow predatory lenders an advantage, leaving borrowers to remain trapped in loans with a never-ending cycle of fees and collection threats. U... read more
Using Criminal History Information May Violate the Rules of the FCRA
 a criminal background check form, fcra attorneyWhile it’s not illegal for employers to require a background check on a job applicant or employee, it is important that they comply with the Fair Credit Reporting Act and other federal rule... read more
Have You Received Texts From a Debt Collector?

man reading a notification message, fdcpa violationsThe Fair Debt Collection Practices Act does not specifically address text messages, email, and other modern forms of communication, however, that doesn't necessarily mean de... read more

Are Credit Report Errors Making You Look Risky?

error words in red, debtNearly 20% of consumer credit reports contain errors that can have a significant impact on an individual's finances including loan denials, higher interest rates, and other negative financial outcomes. These mista... read more

3 Things to Consider Before You Pay that Debt

a man holding his debt, debt lawyerDebt collectors will go to great lengths to collect payments from consumers, and consumers should know their rights prior to making payments when a debt collector contacts them. In 2016 alone, there wer... read more

Did You Receive a Debt Collection Letter Like This in the Mail?

a mail letter, fdcpa lawyerDebt collectors who utilize deceptive practices in collections letters violate the Fair Debt Collection Practices Act and can be held liable for their actions. The FDCPA protects consumers from abusive... read more

Losing Evidence Could Be Detrimental to Your Credit Report

a reportFailing to provide evidence to prove that an error is real and that actual harm has been caused can result in losing disputes with credit bureaus about inaccuracies on credit reports. It is common for credit bureaus to "lose... read more

New Rules for Medical Debt Reporting Could Impact Millions of Consumers

Image of a credit reportNew rules regarding the reporting of medical debt on credit reports could benefit tens of millions of consumers. Under the changes, credit bureaus are required to wait 180 days before placing any unpaid medical bil... read more

Pending Bill Would Allow Debt Collection Attorneys to Abuse Consumers

attorney pointing to a law suit paperThe provisions within HR 4550 sponsored by Representatives Gonzalez and Mooney would exempt attorneys from the Fair Debt Collection Practices Act and remove oversight of lawyers engaged in litig... read more