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

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.

Defeat Claims That Your Envelopes Violate the FDCPA

In the weeks since the Circuit Court decision in Douglass v. Convergent -- the infamous envelope window disclosure case -- filings of similar cases against debt collectors have been brisk. Two ARM defense attorneys discuss some specific legal theories upon which debt collectors may defend similar claims.

Are these Marketing Tactics a TRICK or a TREAT?

Marketing your brand can be just like trick or treating, except instead of looking for candy, you are looking to grow your business.

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.

FDCPA and TCPA Lawsuits Rise in September

The number of lawsuits filed by consumers against ARM companies claiming violations of the FDCPA, FCRA, and TCPA increased in September from August, WebRecon LLC said Friday. But FDCPA lawsuits are still on track to show significant declines for the year.

SKYLINK Group of Companies Announces Acquisition and Corporate Reorganization of Bond Street Collections

SKYLINK Receivables Inc., headquartered in Vancouver (Surrey), Canada with offices in Toronto and Montreal, today announced that their Board of Directors have approved a definitive agreement to acquire Bond Street Collections Inc., headquartered in Toronto, Canada with an office in Montreal.

Circuit Court Rules Against Debt Collector in TCPA Decision Supported by FCC Brief

The Second Circuit Court of Appeals Thursday ruled against a debt collection agency in a TCPA express prior consent case, reversing a lower court decision and hewing closely to a requested amicus brief filed by the FCC on the matter.

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.

ARMing Heroes Board of Trustees Expands by Three

ARMing Heroes, the collection industry’s charity for military veterans, today announced the addition of three prominent industry leaders to its board of trustees (“the board”). Corey Gabler, Todd Langusch, and Everett Stagg join the organization’s board during its fifth annual No Debts for Vets Charity Fundraising Drive, which runs from September 11th through November 11th every year.

Debt Buying

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.

Executive Change: Encore Capital Group Announces Jonathan Clark as CFO of Midland Credit Management

Encore Capital Group, Inc. (Nasdaq: ECPG) today announced that former Sallie Mae Chief Financial Officer Jonathan Clark has been appointed to serve as Chief Financial Officer of Midland Credit Management, Inc., Encore’s domestic operating subsidiary.

New Book Explores World of Secondary Debt Buying and Scam Collection Agencies

A book being released early next week takes an unflinching look at the world of consumer debt buying, specifically the market for secondary portfolio purchases and the unique challenges facing ARM professionals that chase older debt.

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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