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

NCLC Calls for Outright Ban on the Collection of Time-Barred Debt

A report released Thursday by the National Consumer Law Center (NCLC) urges the CFPB to prohibit debt collectors from attempting to seek payment on accounts that are beyond the statute of limitations. It’s a reiteration of recommendations the group made in response to the CFPB’s advance notice of proposed rulemaking (ANPR) for debt collection last year.

Is There a “Silver Bullet” for Defeating FDCPA and TCPA Claims?

Collection agencies and debt buyers continue to be inundated with FDCPA and TCPA lawsuits, many of which drag on through months and even years of expensive discovery and motion practice. What if there existed a single argument that could be made in many consumer cases that would successfully remove the matter from Court and likely end the case in its entirety?

European ARM Giant Intrum Justitia Tallies High-Growth 2014 in Annual Report

Intrum Justitia, one of the largest debt buyers and collectors in Europe, reported strong results for the full year 2014 marked by overall company growth, both organic and through acquisitions.

Business Valuation: What is it, and do I need one?

How much is my business worth? This seemingly simple, straight-forward question has vastly different answers depending on whom or why you’re asking

DBA International Hosting Live Symposium on New York State’s Collection Rules & Regulations

DBA International is hosting a one-day comprehensive symposium on New York State’s rapidly evolving rules and regulations for the collection of debt in the Empire State. Hear directly from the representatives from the New York State Department of Financial Services (DFS) and New York State Office of Court Administration (OCA) as they discuss, take audience questions, and provide guidance on their new regulations and court rules which will take full effect in 2015.

Phone Data Testing – Traps and Pitfalls to Avoid

To get more right party contacts (RPCs), collection agencies need to have the best data. The promise of "having the best data" is easy to say, but hard for most vendors to deliver. So how do you test your vendors to determine who really does have the best data?

CFPB’s 2014 Debt Collection Complaints by the Numbers

In its first full year of taking and publishing consumer complaints about debt collection, the Consumer Financial Protection Bureau (CFPB) made public just over 39,000 grievances logged against collection agencies, debt buyers, and creditors for actions taken in the debt recovery process.

Minnesota Bill to Define Debt Buyers as Collectors for Regulatory Purposes

A bill introduced in the Minnesota Senate would explicitly add to the definition of “collection agency” and “collector” language that includes debt buyers. This would force debt buyers to get licensed as collectors in the state.

Executive Change: Delta Outsource Group Appoints Nick Jarman as President

Delta Outsource Group, Inc., a leader in the account receivables management industry has appointed current Chief Operating Officer Nick Jarman as President. Mr. Jarman will continue in his role as the companies COO as well.  Mr. Jarman, one of the company’s founders has served in the role of COO since Delta Outsource Group, Inc. started […]

FDCPA Lawsuits Decline for Third Straight Year, But TCPA Suits Up 25%

In 2014, there were 9,720 lawsuits filed in federal courts claiming violations of the Fair Debt Collection Practices Act (FDCPA), a decline of 5.7 percent from 2013. It was the third straight year of significant declines in consumer FDCPA case filings.

Debt Buying

CSS Releases IMPACT! HD 2.0 Portfolio Manager- Compliance Plus

CSS, Inc., proudly introduces its IMPACT! HD 2.0 Portfolio Manager- Compliance Plus.

European ARM Giant Intrum Justitia Tallies High-Growth 2014 in Annual Report

Intrum Justitia, one of the largest debt buyers and collectors in Europe, reported strong results for the full year 2014 marked by overall company growth, both organic and through acquisitions.

Business Valuation: What is it, and do I need one?

How much is my business worth? This seemingly simple, straight-forward question has vastly different answers depending on whom or why you’re asking

DBA International Hosting Live Symposium on New York State’s Collection Rules & Regulations

DBA International is hosting a one-day comprehensive symposium on New York State’s rapidly evolving rules and regulations for the collection of debt in the Empire State. Hear directly from the representatives from the New York State Department of Financial Services (DFS) and New York State Office of Court Administration (OCA) as they discuss, take audience questions, and provide guidance on their new regulations and court rules which will take full effect in 2015.

Executive Change: PRA Group Names New VP, Corporate Communications

PRA Group (Nasdaq:PRAA), a world leader in acquiring non-performing consumer debt, today announced that Nancy Porter has been named vice president, corporate communications.

Minnesota Bill to Define Debt Buyers as Collectors for Regulatory Purposes

A bill introduced in the Minnesota Senate would explicitly add to the definition of “collection agency” and “collector” language that includes debt buyers. This would force debt buyers to get licensed as collectors in the state.

Judge Rules for Debt Collector; Oral Disputes Do Not Trigger Cessation of Collection Efforts Under FDCPA

A district judge in Georgia last week sided with a debt collector in an FDCPA suit where the consumer plaintiff claimed violations because collection efforts continued after she orally disputed a debt and did not dispute the debt in writing for seven months. The ruling, while positive for the ARM company, further confuses the oral vs. written dispute issue.

Kaulkin Ginsberg Launches Topline Valuation Group, LLC

Kaulkin Ginsberg Company, the leading provider of merger and acquisition (M&A) and strategic advisory services for the accounts receivable management (ARM) industry, is pleased to announce that it has bolstered its longstanding valuation practice by launching a new corporation, Topline Valuation Group, LLC, in partnership with Santos, Postal & Company, P.C., the premier certified public accounting firm in the Washington, D.C. metro region, servicing small and midsize companies.

3 Takeaways from the Super Bowl

From a marketing standpoint, the Super Bowl is actually something us marketers can learn from. This year while you prepare to watch the big game, pay attention to these three takeaways.

Global Debt Registry Scores $7 million in Series A Funding

Global Debt Registry (“GDR”), the first independent debt repository for storing and tracking consumer debt, today announced it has secured $7 million in Series A funding.

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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