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

ACA and DBA Issue Support for Federal Action Against Rogue Collectors

ACA International, the trade association for debt collectors, and DBA International, a group that represents debt buyers, issued statements Wednesday commending federal prosecutors for bringing down a large debt collection scam operation.

Collection Agency Founder Arrested by Feds and Charged in $5 million Fraud Case

The U.S. Attorney in the Southern District of Indiana announced Wednesday the arrest of the owner of a former debt collection agency and the filing of fraud and other charges related to actions he took in the financing of his company and misrepresentations he made concerning his own financial situation.

CFPB Takes Actions Against Car Dealer Over Debt Collection and Credit Reporting

The Consumer Financial Protection Bureau (CFPB) Wednesday took its first action against a "buy-here, pay-here" car dealer over illegal debt collection and credit reporting practices.

Executive Change: David A. Prado, Esq. Appointed General Counsel at Hollis Cobb

Hollis Cobb hires David A. Prado, Esq. as General Counsel. David will serve a significant role in providing leadership and direction for Hollis Cobb’s compliance efforts.

Fallout Growing from FDCPA Decision on Proof of Claim on Time-Barred Debt

A U.S. Circuit Court decision this summer took an extraordinary step when it held that filing a proof of claim on time barred debt is conduct that violates the FDCPA. At the time, attorneys close to both bankruptcy and FDCPA proceedings warned that it would touch off a very real firestorm in that sector of the ARM industry. That has proven to be quite true.

German Collection Agency GFKL Acquires Deutsche Multiauskunftei GmbH

The GFKL Group, a leading receivables management provider, has acquired Deutsche Multiauskunftei GmbH, a risk management specialist.

Executive Change: Delta Outsource Group Appoints New Director of Client Experience

Delta Outsource Group, Inc. is proud to announce that Jennifer Heinzl has joined the organization, working as the Director of Client Experience.

Executive Changes: ConServe Announces Managerial Promotions & Assignments

Accounts receivable management form ConServe announced the following managerial promotions and assignments:

How Effective is Your Compliance Program?

Credit grantors and third party ARM firms alike are taking a closer look at their compliance procedures and systems. And with good reason. Though an already tight regulatory environment, the increased oversight from the CFPB makes compliance even more critical.

Judge Dismisses Third Party Disclosure FDCPA Case and Opines on Nature of the Law

A federal district judge in New York last week dismissed an FDCPA case in which a consumer claimed a collection agency unlawfully disclosed his debt to a third party. The judge not only disagreed with the allegations in the case, but noted that the law itself might be an issue, writing, "The FDCPA is clearly out of touch with modern communication technology."

Debt Buying

ACA and DBA Issue Support for Federal Action Against Rogue Collectors

ACA International, the trade association for debt collectors, and DBA International, a group that represents debt buyers, issued statements Wednesday commending federal prosecutors for bringing down a large debt collection scam operation.

Fallout Growing from FDCPA Decision on Proof of Claim on Time-Barred Debt

A U.S. Circuit Court decision this summer took an extraordinary step when it held that filing a proof of claim on time barred debt is conduct that violates the FDCPA. At the time, attorneys close to both bankruptcy and FDCPA proceedings warned that it would touch off a very real firestorm in that sector of the ARM industry. That has proven to be quite true.

DBA International Applauds New FTC Security Measure on the Sharing of Portfolio Data

DBA International, the voice of the debt buying industry, commends the Federal Trade Commission (FTC) on its leadership role in the recently announced security measures that provide guidance to ensure that adequate security protocols are followed which offer greater protection of consumer data during the review of portfolios in the buying and selling valuation process.

Feds Investigating Banks’ and Debt Buyers’ Treatment of Bankruptcy Accounts

The United States Trustee Program, a division of the Justice Department, is investigating several of the largest consumer lenders in the country over their debt collection and portfolio sales tactics relating to accounts owed by consumers under bankruptcy protection, according to The New York Times.

FTC Details Data Security Steps for Debt Buyers and Sellers

In the wake of a settlement with a debt portfolio broker over the public disclosure of sensitive consumer information, the FTC Wednesday published steps debt buyers and sellers can take to secure consumer data.

PRA Group Reports Big Q3 with Aktiv Kapital Integration

PRA Group (Nasdaq:PRAA), a world leader in acquiring non-performing consumer debt, today reported its financial results for the third quarter 2014. These results include the effect of the company's Aktiv Kapital acquisition since the transaction closed on July 16, 2014.

DBA International Announces Team Expansion

DBA International, the voice of the debt buying industry, today announced the addition of Helen Mac Murray as its attorney general consultant and Perry Communications Group, Inc. (PCG) as its new public affairs agency.

Encore Capital Group Says Diversification Drove Record Third Quarter Results

International operations contributed more than one fourth of the quarter's collections, which grew meaningfully to $407 million.

State AG Sues Process Server Over ‘Sewer Service’ in Debt Collection Lawsuits

Minnesota Attorney General Lori Swanson announced Thursday that her office has filed a lawsuit against TJ Process Service, a Minnesota process serving company, and one of its process servers for falsely claiming that some individuals were served with debt collection lawsuits.

FTC Settles with Debt Portfolio Broker Over Disclosures in Online Postings

The Federal Trade Commission has settled a case alleging that a debt broker disclosed too much personal information about debtors in online postings marketing their portfolios for sale. The agency filed a lawsuit in DC federal court Friday to formalize the settlement, with the judge issuing an order yesterday accepting the settlement terms.

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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