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 Collector’s Testimony May Be Critical in Murder Trial

A New Jersey man currently on trial for murdering his wife with a frying pan consistently referred to his wife as his ex-wife, in contrast to what he was telling her, and was deep in debt according to testimony provided yesterday by a debt collector who was working on the man’s account.

Compliance Acronym Stew: Is Your Collection Agency at Risk? Part III: Red Flags, GLBA, and HIPAA

In the last of a series on compliance standards, we take a look at Red Flags Rules, GLBA, HIPAA, and auditing.

Todd, Bremer & Lawson Selects Ontario Systems for Outsourced Compliance Partnership

Todd, Bremer & Lawson, a BBB-accredited firm specializing in the service of educational receivables, has announced its selection of Ontario Systems as its outsourced compliance partner, in pursuit of an enhanced compliance management system focusing on consumer fairness and compliance effectiveness.

Circuit Court Sides with Debt Collector in Reversing Controversial TCPA Ruling

The Eleventh Circuit Court of Appeals yesterday unanimously reversed a lower court ruling in Mais v. Gulf Coast Collection Bureau, a case that was extremely controversial in the debt collection industry due to the district judge deliberately ignoring an FCC ruling regarding consent to call a cell phone. Monday's decision and opinion is seen as a major victory for debt collectors.

Nationwide Credit Bureaus Launch New Training System to Support Data Furnisher Accuracy

The CDIA is launching a comprehensive and flexible new Metro 2 e-Learning System to provide detailed guidance on the use of the Metro 2, the credit reporting industry's standard reporting format.

Best Places to Work in Collections 2014 Winners Announced

insideARM.com today announced the winners of the seventh annual Best Places to Work in Collections. This award program is designed to identify, recognize, and honor the best places of employment in the accounts receivable management (ARM) industry, and was created and facilitated by insideARM.com and Best Companies Group. Best Places to Work in Collections 2014 is sponsored by Executive Alliance.

Class Action Explores Door Hangers as Collection Communications Under FDCPA

A federal judge last week certified a class action that accuses a mortgage services company of violating the FDCPA by leaving a message on a door hanger for a consumer to call a specific number. The note made no mention of the debt, although it was left specifically for that purpose.

NARCA Submits Response to CFPB Consumer Narrative Proposal

The National Association of Retail Collection Attorneys (NARCA) has provided a response to the Consumer Financial Protection Bureau (CFPB) proposal to make consumer narratives public.

Congressman Lacy Clay Visits ACA’s D.C. Office for Campaign Fundraiser

U.S. Rep. Lacy Clay (D-Mo.) returned to ACA International’s office in Washington, D.C., on Sept. 24, 2014, for a fundraiser in support of his re-election campaign.

BFrame Announces Cloud Infrastructure Partnership

BFrame today announced its partnership with QTS to supply a processing environment for government entities. QTS’ Federal Cloud is designed to meet FedRAMP and FISMA requirements.

Debt Buying

State AG Proposes New Debt Collection Legislation

Indiana Attorney General Greg Zoeller announced Tuesday that he is proposing new legislation in the state that would protect state residents from debt collection scams by “expanding the federal Fair Debt Collection Practices Act (FDCPA) at the state level.”

Nationwide Credit Bureaus Launch New Training System to Support Data Furnisher Accuracy

The CDIA is launching a comprehensive and flexible new Metro 2 e-Learning System to provide detailed guidance on the use of the Metro 2, the credit reporting industry's standard reporting format.

Best Places to Work in Collections 2014 Winners Announced

insideARM.com today announced the winners of the seventh annual Best Places to Work in Collections. This award program is designed to identify, recognize, and honor the best places of employment in the accounts receivable management (ARM) industry, and was created and facilitated by insideARM.com and Best Companies Group. Best Places to Work in Collections 2014 is sponsored by Executive Alliance.

NARCA Submits Response to CFPB Consumer Narrative Proposal

The National Association of Retail Collection Attorneys (NARCA) has provided a response to the Consumer Financial Protection Bureau (CFPB) proposal to make consumer narratives public.

Congressman Lacy Clay Visits ACA’s D.C. Office for Campaign Fundraiser

U.S. Rep. Lacy Clay (D-Mo.) returned to ACA International’s office in Washington, D.C., on Sept. 24, 2014, for a fundraiser in support of his re-election campaign.

Arrow Global to Acquire Rival UK Debt Buyer Capquest for $258 million

UK debt buyer and ARM firm Arrow Global Group said Wednesday that it is acquiring smaller rival Capquest from a private equity fund for £158 million ($258 million) on an enterprise value basis.

CAI Begins Campaign for Vets as ARMing Heroes Tells Story of Purple Heart Grant Recipient

With its 2014 No Debts for Vets Fundraising Drive currently underway, ARMing Heroes, the collection industry’s charity for military veterans, today took a moment to spotlight Joshua Cheever, a highly-decorated combat veteran and Purple Heart recipient who was recently awarded an emergency grant from the charity.

ARM Buyers are Looking Beyond Profits when Establishing Pricing

Experienced buyers of ARM companies are looking beyond the profitability levels of selling companies before establishing their pricing level. This is most prevalent in the financial services sector, although we are starting to see this trend develop in other asset classes as well.

ACA Submits Comments Opposing CFPB Proposal to Include Consumer Complaint Narratives in Public Database

On Sept. 22, 2014, ACA International submitted comments urging the Consumer Financial Protection Bureau to abandon its proposal to provide consumers with the option to include unstructured narratives when submitting complaints about consumer financial products and services, including debt collection, on the CFPB’s public-facing Consumer Complaint Database.

Fast Tracks for ARM Executives

Last week at DCS 2014, I presented on the topic "Where is the ARM Industry Heading" during the Fast Tracks segment. Living up to its name, Fast Tracks is intended to provide the audience with quick bursts of information on specific topics.

Debt Recovery

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 […]

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.

 

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