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

NARCA President Among New Members of CFPB Consumer Protection Advisory Board

The Consumer Financial Protection Bureau Thursday announced the latest additions to its three advisory boards, including seven new members of its Consumer Protection Advisory Board. Joann Needleman, VP at law firm Maurice & Needleman and current President of the National Association of Retail Collection Attorneys (NARCA), was named as one of the new members.

Kaulkin Ginsberg Kicks Off Fall 2014 Research Fellows Program

Kaulkin Ginsberg, the leading consultancy and M&A advisory firm focused on the accounts receivable management (ARM) industry, is pleased to announce that it initiated its fall semester research fellows program, in conjunction with the University of Maryland, College Park’s Department of Economics undergraduate studies program.

Circuit Court: Visible Account Number in Collection Letter is an FDCPA Violation

The Third Circuit Court of Appeals Thursday said that a collection agency violated the Fair Debt Collection Practices Act (FDCPA) when it sent a collection letter with the debtor's account number visible through the transparent address window of an envelope.

Genesys Webinar Shows Why Collection Agencies Need Speech Analytics

Call centers manually monitor only two percent of their calls on average, according to a new report from Genesys. And because of the massive volume of calls being handled daily, quality analysts are only capable of reviewing up to five percent of the calls in their contact center. Register Now: Genesys’s free September 4 speech […]

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?

Standard vs. Tailored Accounts Receivable Management Plans

What are the differences between a standard and tailored accounts management plan and how should that factor into outsourcing partnerships?

SBA Report: ED Rates an “A” on Small Business Utilization – with Room for Improvement

The U.S. Department of Education (ED), which hires Private Collection Agencies (PCAs), incentivizes those PCAs to subcontract to small businesses, and remains the largest Federal buyer of collection agency services, received an “A” grade for FY2013, with room for improvement in a few areas.

Tucker Albin Selected for the 2014 Inc. 5000 List of America’s Fastest Growing Companies

Tucker, Albin and Associates, Inc. has recently been announced as #2206 on this year’s Inc. 5000 list. For 33 years, the coveted Inc. 5000 list has honored America’s fastest growing privately-held companies.

State AGs Miss the Mark on Business Records in FDCPA Rulemaking Comments

In comments submitted to the CFPB on the Advance Notice of Proposed Rulemaking under the FDCPA, the attorneys general of 31 states condemned the use of third-party prepared, integrated business records in civil lawsuits to collect debt as an example of “unfair, deceptive, and abusive acts or practices.” But many of those AGs use similar records in their own criminal cases.

Credit Management Company and Coding Concepts Form Partnership to Enhance Healthcare Revenue Cycle Services

Credit Management Company, an established accounts receivable management firm and Coding Concepts, a premier remote coding services company, today announced a formal partnership to deliver additional revenue cycle services to healthcare clients.

Debt Buying

Debt Buyer PRA Group Named One of Fortune’s 100 Fastest-Growing Companies for 2014

PRA Group (Nasdaq:PRAA), a world leader in acquiring non-performing consumer debt, has been named one of Fortune's 100 Fastest-Growing Companies for the third consecutive year.

Kaulkin Ginsberg Kicks Off Fall 2014 Research Fellows Program

Kaulkin Ginsberg, the leading consultancy and M&A advisory firm focused on the accounts receivable management (ARM) industry, is pleased to announce that it initiated its fall semester research fellows program, in conjunction with the University of Maryland, College Park’s Department of Economics undergraduate studies program.

CFPB Readying Action Against College Over Debt Sales and Collection Methods

For-profit higher education firm Corinthian Colleges revealed in a recent SEC filing that the CFPB has initiated settlement talks relating to an enforcement action over the company’s debt collection tactics and treatment of certain loans.

State AGs Miss the Mark on Business Records in FDCPA Rulemaking Comments

In comments submitted to the CFPB on the Advance Notice of Proposed Rulemaking under the FDCPA, the attorneys general of 31 states condemned the use of third-party prepared, integrated business records in civil lawsuits to collect debt as an example of “unfair, deceptive, and abusive acts or practices.” But many of those AGs use similar records in their own criminal cases.

Segment in Focus: Debt Buyers – A Rapid Consolidation Anticipated

Amidst momentous market changes, many debt buyers, sellers, investors and vendors alike are asking the same question: Will a major consolidation among US debt buyers result?

After Slight Rise in July, FDCPA Lawsuits Still Down Overall for 2014; TCPA Claims Increase

Lawsuits against ARM firms citing violations of the FDCPA increased slightly in July, but were still on pace to finish far below the number filed in 2013. TCPA lawsuits also bucked their 2014 trend by decreasing on a month-over-month basis, but still remain on pace to grow significantly for the year.

Mazume Solutions Launches New Managed Services Offering for the Credit and Collection Industry

Mazume Solutions, a leading provider of consulting services to the Credit and Collections industry, has announced the launch of its new portfolio of Managed Service offerings.

New FDCPA Requirement for Debt Verification: Is There More to the Story?

A recent Circuit Court opinion examined the issue of what constitutes adequate verification in the context of multiple requests for validation by the consumer focused on a specific portion of a debt. While it has been argued that the case requires a debt collector to provide itemized statements whenever any request for validation is received, this interpretation is not borne out by a careful reading of the case and other applicable precedent.

Q3 Webinar Date Set for Latest in Leadership Series for ARM Executives

Mike Ginsberg, President and CEO of Kaulkin Ginsberg, and Rozanne Andersen, Chief Compliance Officer of Ontario Systems, will host their Q3 2014 webinar for ARM professionals on Wednesday, September 24, 2014 2:00-3:30 P.M. Eastern Daylight Time.

ARMing Heroes Awards Emergency Grants to Struggling Military Families

Today, ARMing Heroes shared the stories of three military veterans and their families whose dire circumstances warranted an emergency grant over the last few months through this program:

Debt Recovery

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 […]

Bad Faith FDCPA Case Leads to Win for Defendant

The underlying putative class action complaint was filed in state court and removed by the defendants who then filed a motion to dismiss. The District Court granted the unopposed motion to dismiss and the subsequent motion for reconsideration filed by the plaintiff. The motions were granted due to the fact that, “Counts I through V are clearly barred by the FDCPA’s one-year statute of limitations and Count VI is insufficient to sustain a common law negligence claim and is additionally precluded by Missouri’s economic loss doctrine.” Id. at *2.

Disclosures Likely Necessary When Recording Cell Phone Calls to Consumers in California

The plaintiff alleges an invasion of his privacy and a violation of California Penal Code. Verizon's argument: the recording of the phone calls actually isn't a violation since privacy wasn't breached. The Court, however, appears to be siding with the plaintiff on this one, which could offer some operational clarity for collection agencies in one aspect of how they interact with consumers via cell phone.

Interactive Intelligence to Host “Pitfalls of TCPA” Industry Web Event

Interactive Intelligence Group Inc., a global provider of software and services designed to improve the customer experience, is hosting a no-cost Web event* titled, “The Pitfalls of TCPA and Its Impact on Your Business,” to be held Tuesday, April 29 at 11:30 a.m. Eastern time (EDT). Already attracting more than 650 registrants, this 75-minute webcast […]

Economic Forecast: Consumers May Be in Better Shape to Pay Past Obligations

Let’s check in with a guy and his thoughtful mustache posing for his senior photo on the state of today’s economy! “The deleveraging of America is over.” Yay! “Or mostly over.” Oh? “And that’s good news and possibly bad.” ::frustrated sigh:: Robert J. Samuelson, a syndicated columnist, is trying to run through our Economic State […]

 

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