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

American Outsourcing Alternatives Gets First Batch of Donor Dog Tags from Vets’ Charity

With about two weeks still remaining in its 2014 No Debts for Vets Charity Fundraising Drive, ARMing Heroes, the collection industry’s charity for military veterans, has started sending out Donor Dog Tags to supporters of its fifth annual fund drive, which runs from September 11th through Veterans Day, November 11th, every year.

Atlantic Credit & Finance Raises $61,000 for Boys & Girls Clubs

Atlantic Credit & Finance, a subsidiary of Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it helped raise $61,000 for the Boys & Girls Clubs of Southwest Virginia

CFPB Finds UDAAP and FDCPA Violations in Debt Collection Supervisory Exams

The CFPB Tuesday released its Supervisory Highlights report for Fall 2014. Among the highlights were recent examinations of larger market participant debt collectors resulting in identification of “an unfair practice and several violations of the Fair Debt Collection Practices Act” involving convenience fees, threats of litigation, bad training materials, and debt sales practices.

The Consumer Relations Consortium Welcomes New Members

The Consumer Relations Consortium (CRC) today announced the addition of three new member companies: Northland Group, ARS National, and The CBE Group.

Circuit Court Rules Against ARM Firm in Allowable Interest FDCPA Case

The Sixth Circuit Court of Appeals Friday ruled against a debt buyer who it said violated the FDCPA when it sought interest charges for a credit card debt. The decision reversed a lower court ruling and included a sharp dissent from the third judge in the appellate panel.

What Makes the TCPA So Popular? Ambiguity

TCPA suits against collection agencies continue to be a growing concern. In August of 2014, TCPA suits are up a whopping 33.6 percent from 2013 numbers. What might be behind this increase?

Executive Change: ConServe Appoints Brandon Booker as VP of Operations

ARM firm ConServe announced today that as a direct result of Brandon’s exceptional performance in the capacity of interim Vice President of Operations for the last six months, he has been named the official Vice President of Operations.

Republican Senate Majority Would Increase Scrutiny of the CFPB, But Result in Few Changes

With a little more than a week to go before the Congressional mid-term elections, attention is shifting away from the potential results to what the outcome might mean for governance. If the Senate changes hands, committees will get new leaders, including the one that oversees the CFPB. Will the Senate behave like the House over the past two years in its oversight? Unlikely.

FTC Gets Court to Shut Down Debt Collection Scam Targeting Latinos

At the Federal Trade Commission’s request, a U.S. district court in Miami has temporarily shut down a fraudulent phantom debt collection operation that deceived and abused thousands of Spanish-speaking consumers across the country in an attempt to collect money they did not even owe.

Subprime Auto Collections – A Growth Market for ARM Companies or a Bubble About to Burst?

s another bubble market emerging in the subprime auto sector? Perhaps, but a growth market for accounts receivable management (ARM) firms is fast developing already.

Debt Buying

Atlantic Credit & Finance Raises $61,000 for Boys & Girls Clubs

Atlantic Credit & Finance, a subsidiary of Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it helped raise $61,000 for the Boys & Girls Clubs of Southwest Virginia

Circuit Court Rules Against ARM Firm in Allowable Interest FDCPA Case

The Sixth Circuit Court of Appeals Friday ruled against a debt buyer who it said violated the FDCPA when it sought interest charges for a credit card debt. The decision reversed a lower court ruling and included a sharp dissent from the third judge in the appellate panel.

DBA International Certifies First Collection Law Firm

DBA International (DBA) announced the first certified collection law firm under its expanded Certified Professional Receivables Company (CPRC) program. Within weeks of the program expansion, G. Reynolds Sims & Associates, P.C. completed the process and was approved at the October 16, 2014 meeting of the DBA Certification Council Administration and Budget Committee Meeting.

Watch the FTC-CFPB Roundtable on Debt Collection & the Latino Community

If you're not in California, be sure to watch the webcast of an important FTC/CFPB roundtable on debt collection and the Latino community.

CFPB Finalizes New GLBA Notification Rule

The CFPB this week finalized a rule to promote more effective privacy disclosures from financial institutions to their customers. The new rule, which will primarily impact creditors and debt buyers, allows companies to post their GLBA-mandated annual privacy notices online rather than delivering them individually.

DBA International Welcomes Another Distinguished Industry Leader

DBA International, the voice of the debt buying industry, announced the addition of Don Maurice as a legal consultant specializing in state and federal legislative activities.

PRA Group Named One of Forbes’ Best Small Companies in America

PRA Group (Nasdaq:PRAA), a world leader in acquiring non-performing consumer debt, has been named to Forbes' annual list of America's Best Small Companies for the eighth consecutive year. It is one of only seven companies to have been featured on the Forbes list every year since 2007.

NPR Explores the Underworld of Debt Buying and Collection

NPR Thursday on its "All Things Considered" program ran a segment focusing on the post-secondary debt purchasing and collection world through the eyes of an ex-con in Buffalo.

Critical Mistakes to Avoid When It Comes Time to Sell a Business

Critical mistakes are sometimes made during the selling process that could cost owners many millions of dollars in transaction value.

Hear the Latest on “Vicarious Liability” and Other Creditor-Focused Compliance Trends From Legal and Ops Experts

LiveVox Inc., the leading provider of cloud contact center solutions for enterprise operations, announced it will host a creditor-focused compliance webinar with renowned ARM industry legal expert, David Kaminski of Carlson & Messer, LLP on Tuesday, November 11th at 2:30 ET/11:30PT.

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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