If you are being harassed by a debt collector, please fill out the form below for an attorney consultation.

Are debt collectors:

  • Calling you or others continually?
  • Harassing, threatening, or lying?
  • Being otherwise unfair or abusive?

You could be entitled to money for the damages you've suffered if your debt collector is violating fair debt collection laws. YOU HAVE RIGHTS, don't be intimidated!


Do you think your fair debt rights are being violated by an abusive debt collector?

State and federal fair debt laws prevent debt collectors from using harassing, misleading, dishonest or unfair debt collection practices. These laws provide that victims of debt collector abuse can recover cash compensation from the collectors, and require the collectors to pay all your legal fees.

Would you like to learn more about how to sue a creditor or debt collector that has violated your fair debt rights at no cost to you?


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Fair Debt in the News

Collection News

Alorica Completes Acquisition of West Corporation’s Agent Services Businesses, Including ARM

Alorica, a worldwide leading provider of customer management outsourcing solutions, today announced that it has completed its acquisition of several of West Corporation's (NASDAQ: WSTC) agent services businesses for approximately $275 million. The resulting $1.2 billion Alorica is now one of the largest Business Process Outsourcing (BPO) providers in the US.

Circuit Court Rejects FDCPA Claim Based on Alleged Invalid Proof of Claim

A recent trend has evolved in FDCPA litigation where courts have allowed bankrupt debtors to file FDCPA claims based on the alleged invalidity of a proof of claim filed by a third party collector and/or debt buyer. But a precedential Circuit Court ruling Tuesday appears to limit the timing of some of those suits.

The Impact of CFPB’s UDAAP Authority on Creditors and First Party Debt Collectors

Two recent CFPB enforcement actions against original lenders and their collection practices under its UDAAP authority should prompt discussions about the broader impact of upcoming debt collection rules on creditors and their first party collection outsourcing partners.

Kentucky Higher Education Student Loan Corporation Issues RFP for Collection Services

Kentucky Higher Education Student Loan Corporation (KHESLC) today is issuing a Request for Proposal (RFP) for Collection Services for accounts held by the organization outside of Kentucky.

Executive Changes: Caine & Weiner Announces New CFO and C-Level Appointments

Chris Mathews has been appointed by Greg A. Cohen, Caine & Weiner’s, President and CEO, effective March 2, to be the company’s Chief Financial Officer, reporting directly to Greg Cohen.

Executive Change: Convergent Hires James Hawkins as SVP, Patient Contact Center

Convergent Revenue Cycle Management, Inc., a leading provider of healthcare revenue cycle management and patient access solutions to top hospitals across the nation, has announced that James Hawkins has joined the company as Senior Vice President, Patient Contact Center.

Alliance Collection Service, Inc. Celebrates 20 Years

Tupelo, Miss. based collection agency Alliance Collection Service, Inc. is celebrating twenty years of business during the month of March, 2015.

Navient Acquires Government Collection Firm Gila/Municipal Services Bureau

Navient (Nasdaq:NAVI), the nation's leading loan management, servicing and asset recovery company, announced last week that it has acquired Gila LLC. The Austin, Texas-based asset recovery and business process outsourcing firm focuses on the state and local government market, serving more than 600 clients in 39 states.

KM2 Solutions Adds Major Telecommunication and Internet Services Client to KM2 Honduras Call Center

KM² Solutions, a leading US-based contact center services provider, is delighted to announce its latest partnership with one of the largest telecommunications and Internet services companies in the United States; a global leader in network services, cloud infrastructure and hosted IT solutions for enterprise customers.

Department of Education Ending Contracts with Five Student Loan Collection Agencies

The U.S. Department of Education announced late Friday that it would “wind down” its relationship with five private collection agencies on its student loan debt collection contract that ED says were providing inaccurate information to borrowers regarding rehabilitations.

Debt Buying

Consumer Advocate Wants to End Debt Sales with Warranty Disclaimers

Going further than any previous public recommendation, a consumer attorney in a recent blog post urged the CFPB to ban creditors from selling debts that are not accompanied by “affirmative representations and warranties of completeness, accuracy, reliability and enforceability.”

Circuit Court Rejects FDCPA Claim Based on Alleged Invalid Proof of Claim

A recent trend has evolved in FDCPA litigation where courts have allowed bankrupt debtors to file FDCPA claims based on the alleged invalidity of a proof of claim filed by a third party collector and/or debt buyer. But a precedential Circuit Court ruling Tuesday appears to limit the timing of some of those suits.

Debt Buying Giants Reach New Heights, But Disclose CFPB Investigations and Possible Impacts

Publicly traded debt buyers Encore Capital Group (NASDAQ: ECPG) and PRA Group (NASDAQ: PRAA) recently announced financial results for the full year 2014 marked by record cash collections and revenues driven by acquisitions and global growth. But both also made special note of specific, ongoing CFPB investigations and the potential financial impact of resolving the actions.

Legal Symposium with New York Regulators Clarifies New Debt Collection Rules in the State

At a symposium in midtown Manhattan Thursday, three representatives from New York City and state financial regulators provided some clarity to recently-enacted rules impacting collection agencies, debt buyers, and collection law firms operating in the state.

PRA Group to Announce Fourth Quarter and Full Year 2014 Results on March 2

PRA Group (Nasdaq:PRAA), a global leader in acquiring defaulted receivables, will announce its fourth quarter and full year 2014 results after market close on Monday, March 2, 2015, followed by a webcast and conference call at 4:30 p.m. ET.

DBA International Thanks Annual Conference Sponsors

DBA International extends a sincere thank you to its 18th Annual Conference sponsors who continue to help DBA host its “must-attend” conference featuring prominent speakers, quality educational sessions and numerous networking and business development opportunities. Annual conference sponsors included: Globetrotter DebtTrader FLOCK Specialty Finance LexisNexis Neustar, Inc. Trailblazer Akerman Javlin Capital KirkpatrickPrice Locate Smarter Additional […]

Dennis Hammond Honored with Bud Reitzel Award, Debt Buying Industry’s Highest Recognition

Founder of DBA International and tireless advocate for the debt buying industry, Dennis Hammond was awarded the coveted Bud Reitzel Lifetime Commitment Award at the 18th Annual DBA International Conference in Las Vegas.

Bankruptcy Filings Down Nearly 12% in 2014; ARM Firms Well-Represented in Cases

The 2014 “Year in Review” issue of AIS InSight released last month showed that U.S. bankruptcy filings in 2014 totaled 909,968, down 11.89% from the previous year. Of the Top 50 Creditors listed in bankruptcy filings for 2014, 13 were debt buyers and/or collection agencies.

DBA International Installs New President, Elects Other Officers

DBA International elected Kaye Dreifuerst as president during the association’s 18th Annual Conference. Dreifuerst begins her term on the heels of a very successful conference where the overall mood in the industry appeared to be shifting to a more balanced and optimistic view of the future.

Charity Calls for Board Nominations, Tells Story of Sgt. Pennock

Within two weeks of announcing the remarkable success of its 2014 No Debts for Vets Fundraising Drive, ARMing Heroes, the collection industry’s charity for military veterans, today announced its intention to further expand its board of trustees (“the board”).

Debt Recovery

Free Webinar Looks at Best Practices in Internal Audits

Under CFPB supervision and oversight, collection agencies are now mandated to conduct internal audits of policies and procedures to ensure regulatory compliance. But internal audits aren’t just about an agency’s internal workings: you’d better be prepared to answer for all of your business associates and vendors while you’re at it. Without the right process in […]

The CFPB Has a Back-to-School Reading List for You

LAS VEGAS — During the panel discussion on Impacts of Regulations, Greg Nodler, an enforcement attorney for the Consumer Financial Protection Bureau, suggested that those in the debt industry should spend some time making themselves acquainted with three CFPB Bulletins: CFPB Bulletin 2013-08 (Fair Debt Collection Practices Act and the Dodd-Frank Act) Date: July 10, […]

Free Webinar Promises World-Class Compliance on a Budget

If you think developing a compliance management system is too costly — try getting sued. A growing trend in CFPB compliance for small- and medium-sized collection agencies and debt buyers is to retain a third party with the experience, skills and infrastructure to help them develop, support and drive their in house compliance management system. […]

White Paper Shows How Statistical Models Can Improve Medical Debt Collections

Available free for download, SunGard’s AvantGard, provider of statistical scoring models and corporate liquidity solutions, has a new whitepaper: How Statistical Models Can Help Navigate the Future of Medical Debt Collections.

Compliance Acronym Stew: Is Your Collection Agency at Risk? Part I: SSAE-16

Our highly-regulated industry is replete with acronyms and regulations. Over the past year, many organizations have been setting up a Compliance Management System (“CMS”) to meet client requirements and to prevent costly lawsuits and fines. But are agencies focusing on the right thing? Or are they spinning their wheels and wasting money?

New Whitepaper Reveals Three Strategies to Shrink Bad Debt

Despite the advances of the Patient Protection and Affordable Healthcare Act (ACA) related to patient debt (establishing maximum out-of-pocket expenses and other protections), most healthcare finance analysts believe bad debt will increase over the coming years. LexisNexis, in this free whitepaper, has put together recommended best practices from a wide range of healthcare providers who […]

Healthcare Receivables Experts Examine the Healthcare Marketplace

insideARM.com had an opportunity to talk with both Kevin Vernon-Harris, Consulting Director, Experian Health; and Astrid Blackmon, Senior Vice President of Operations, USCB America Inc. Vernon-Harris and Blackmon will be panelists on an upcoming Ontario Systems healthcare-focused webinar, and their insight into the variety of opportunities and risks in this particular market will make for a can’t-miss afternoon’s discussion.

FDCPA Lawsuits on Track for Third Straight Year of Declines

Lawsuits against ARM companies filed by consumers under the Fair Debt Collection Practices Act (FDCPA) are on track to decline again in 2014. If the trend holds, it would be the third-straight year of declines in total FDCPA lawsuits after years of rapid growth.

Take insideARM.com’s 1-Minute Debt Collection Topic Survey

insideARM.com is looking to get feedback from readers regarding topics on which we should be focusing our attention. To do that, we’ve developed a survey that will only take you about a minute to complete: http://insidearm.polldaddy.com/s/insidearm-com-s-research-library-survey. The survey provides a listing of topics. Check the ones you’re interested in. And you’re done. It’s that simple, […]

Weekend Reading: Elizabeth Warren Has a Memoir

There’s an irritating dinner-party-conversation-starter topic about how, because of physics and aerodynamics, bumblebees shouldn’t be able to fly. It’s a ridiculous argument because: (a) bumblebees have been flying just fine since there were bees to bumble; and (b) it’s not like if you told a bumblebee, “Hey, you, with the bumbles: did you know you […]

 

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