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

Debt Collectors Seemingly Split on the Question of Calling Cell Phones

A consumer gives you a contact number that turns out to be his cell phone. What do you do? In a poll-meets-pop-quiz of insideARM.com readers, 36.5 percent of participants said that when they get a contact number from a consumer that turns out to be a cell phone, they continue to call a consumer as […]

UPDATE: NY Debt Collector’s Operations Shuttered After Joint FTC, NY AG Complaint

The U.S. District Court for the Western District of New York issued a temporary restraining order and asset freeze against a Buffalo, NY-based debt collection operation Monday, after the Federal Trade Commission and New York Attorney General's Office filed a joint complaint alleging the operation used lies and threats against consumers in violation of federal and state laws.

Present Capacity and Effective Consent: Two Parts of a Compelling TCPA Panel at ACA

The Telephone Consumer Protection Act played to packed audiences through two sessions Wednesday at ACA International's 75th Anniversary Convention & Expo in Chicago. At issues for those in the debt industry are: effective consent language and present capacity.

Ohio AG Accused of Giving Debt Collection Contracts to Donors

An investigation conducted by the Dayton Daily News alleges that Ohio Attorney General Mike DeWine awarded state debt collection contracts to a friend’s collection agency and companies that donated the most money to his political campaign and the GOP, turning down more experienced vendors in the process. DeWine has denied the claim that those with political […]

Compliance Professionals in the Debt Industry Need Allies

I’ve spoken with quite a few compliance professionals recently. I can truly say that I am overwhelmed for you. The challenges and responsibilities facing compliance officers at all levels today are significant. Yet I get the sense that each of one you is reinventing the same wheel at the same time.

Sixth Circuit Broadens FDCPA Verification Requirements for Debt Collectors

Last week, in Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtor’s request for verification of a debt under the Fair Debt Collection Practices Act, creating the most consumer-friendly verification standard ever.

Debt Collector Opens Its Doors to ABC World News with Diane Sawyer

Gordon Beck, Chief Operating Officer of Diversified Consultants, Inc., based in Jacksonville, Florida, sat for an interview last week with ABC World News with Diane Sawyer. Beck said ABC set out to investigate TCPA lawsuits where companies - including collection agencies - dialed wrong numbers. ABC producers told Beck that he was the only collection agency official that agreed to be interviewed.

Webinar Examines Opportunities Within Student Loan Market

The vast majority of collection opportunities within the student loan marketplace have been with state and federal government clients, private guarantors (like Sallie Mae), and private lenders (like large financial institutions). So, what’s available today? That’s the topic of a webinar scheduled for Tuesday, 29 July 2014, at 2.00 p.m. Eastern, sponsored by FICO. REGISTER […]

Debt Industry Responds to New York’s New Rules for Collectors, Buyers

Now that the industry has had the chance to take a deeper dive into the details of the New York Department of Financial Services' proposed regulations for debt collection by third-party debt collectors and debt buyers, experts and organizations are submitting their feedback on how to further improve the regulations. Specific questions remain about the correct language to use in consumer notices, and how the rules may impact creditors.

DialConnection announces investment by Potomac Equity Partners

DialConnection, LLC, a rapidly growing provider of cloud-based software-as-a-service (“SaaS”) and premise-based contact center solutions for enterprise clients, today announced an investment in the company by Potomac Equity Partners, LLC, a Washington, D.C.-based investment firm whose principals have extensive experience investing in the software and technology sectors. DialConnection provides a suite of integrated contact center […]

Debt Buying

Debt Industry Responds to New York’s New Rules for Collectors, Buyers

Now that the industry has had the chance to take a deeper dive into the details of the New York Department of Financial Services' proposed regulations for debt collection by third-party debt collectors and debt buyers, experts and organizations are submitting their feedback on how to further improve the regulations. Specific questions remain about the correct language to use in consumer notices, and how the rules may impact creditors.

Consumer Narratives Coming Soon to CFPB Complaint Database

The Consumer Financial Protection Bureau (CFPB) Wednesday announced that it is proposing to expand its consumer complaints public database to include the consumer’s narrative description of what happened, along with a company response narrative. The announcement came on the three-year anniversary of the CFPB’s launch.

Where are the Collection Opportunities in Coming Years?

How can ARM companies know where their market opportunities exist in the five to ten year time range? We all know that credit card debt is slowly recovering from recent lows and student loans are growing at a silly rate. But what about everything else?

Consumers Claiming Debt Isn’t Theirs On the Rise

In the first quarter of 2014, the percentage of consumers that filed complaints against debt collectors claiming that the debt in question was not theirs increased to more than 40 percent of all complaints.

New York Regulator Proposes Debt Collection Rules Based on Previous Comments

The New York State Department of Financial Services (NYSDFS) today published a proposed rule in the New York State Register on debt collection by third-party debt collectors and debt buyers. The proposal is subject to a 30-day comment period which began July 16.

Portfolio Recovery Completes Aktiv Acquisition; Rebrands as PRA Group

Large debt buyer Portfolio Recovery Associates, Inc. (Nasdaq:PRAA) announced today that it has completed its acquisition of Aktiv Kapital AS, a Norway-based debt buyer of accounts throughout Europe and Canada. Effective today, the combined companies will be known as PRA Group.

Don’t Forget About Your Marketing Goals

With half of the year already gone and the official start of Q3, now is a great time to review your marketing goals for the year. What did you want to accomplish? Have you started yet?

CFPB Sues Debt Collection Law Firm Over Suit Volume, FDCPA Violations

The CFPB announced Monday it has filed a lawsuit against a debt collection law firm and its three principal partners alleging that the firm was a "lawsuit mill" that churned out debt collection actions and violated the FDCPA en masse. The firm denies the claims and says it will defend the action in court.

Circuit Court Holds that Filing a Proof of Claim on Time-Barred Debt Violates FDCPA

Addressing what it termed "a deluge [that] has swept through U.S. bankruptcy courts of late," the 11th Circuit Court of Appeals in Crawford v. LVNV Funding, LLC last week held that filing a proof of claim on time barred debt is conduct that violates the Fair Debt Collection Practices Act (FDCPA).

See Exactly What You Get by Participating in Best Places to Work in Collections

As we note every year, free participation in the program entitles companies to valuable data on the way they run their businesses. But what, exactly, is available?

Debt Recovery

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 […]

Phone Scammers May Presage Increase in Validation Notice Requests

As scammers get more and more sophisticated in how they steal money from unwitting consumers, a consequence for the collection industry may be a significant increase in the number of validation requests submitted by consumers.

 

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