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

CFPB and State AGs Settle with Retailer Over Debt Collection Practices Against Servicemembers

The Consumer Financial Protection Bureau (CFPB) and the Attorneys General of North Carolina and Virginia announced legal action against a retailer that caters to members of the U.S. military, and an affiliated lender and debt collection agency, for using illegal collection tactics against their customers.

Debt Collection Agency Launches Website to Help Debtors Get Skinny and Debt Free

AmSher, a debt collection agency specializing in Compassionate Collections, announced today that the company has launched SkinnyandDebtFree.com—a website to help people not only get out of debt, but lose weight.

Judge Rules that Government Debt is Covered by FDCPA, Forcing Collection Agency to Defend

A federal judge this week sided with a consumer plaintiff in denying a motion to dismiss an FDCPA class action case. The collection agency defendant argued that the debt did not fall under the FDCPA because it was incurred in a transaction required by law. The case also involves a claim concerning disclosure through a clear envelope window, a recent development that is sure to pop up more frequently.

Complaints About Medical Debt Collection On the Rise

In the third quarter of 2014, consumer complaints about medical debt collection practices rose sharply as overall collection complaints fell.

Winners and Rankings Announced in 2014 Best Places to Work in Collections

insideARM.com today released the final rankings for all companies honored in its seventh annual Best Places to Work in Collections program, sponsored in 2014 by Executive Alliance.

Executive Change: ABC-Amega Hires Paul Parisse as VP of Global Operations

ABC-Amega, a global commercial receivable management firm headquartered in Buffalo, NY, is excited to announce the appointment of Paul Parisse as the Vice President of Global Operations.

HS Financial Group Becomes DBA International Certified Debt Buyer/Third Party Collection Agency

HS Financial Group, LLC today announced that it has earned the designation of Certified Professional Receivables Company (CPRC) after completing the requirements of DBA International’s highly-regarded Certification Program.

Foti Out? Zortman In? What’s Up With Voicemail Messaging?

Ask any collection agency executive about their top three compliance issues, and "voicemail messages" will most likely be among them. The reason? The FDCPA can present agencies with a real Catch 22. But the Zortman case offers an intriguing workaround with specific language.

Anonymous Good Samaritan Registers ARMing Heroes for AmazonSmile Program

ARMing Heroes, the collection industry’s charity for military veterans, is now seeking the identity of the “Good Samaritan” who registered the charity as an Amazon.com authorized funds recipient with the shopping giant’s AmazonSmile program.

Outbound Collection Communications: Meeting FDCPA, CFPB and TCPA Requirements

Collection organizations and agencies are under intense scrutiny concerning the manner in which they contact consumers, and compliance risks are at an all-time high. There are many different statutes and regulations enforced at the federal and state levels. Additionally, collection organizations often have their own internal governance rules.

Debt Buying

Complaints About Medical Debt Collection On the Rise

In the third quarter of 2014, consumer complaints about medical debt collection practices rose sharply as overall collection complaints fell.

HS Financial Group Becomes DBA International Certified Debt Buyer/Third Party Collection Agency

HS Financial Group, LLC today announced that it has earned the designation of Certified Professional Receivables Company (CPRC) after completing the requirements of DBA International’s highly-regarded Certification Program.

Developments in 1099-C Case Against BofA Should be Closely Watched by ARM Firms

Bank of America is currently fighting a case filed by a consumer that received a 1099-C form from the bank. Although BofA dodged federal claims -- notably FDCPA -- in the case, it will still have to defend other charges in state court. As we approach tax season, any debt firm that sends 1099-C forms to consumers should watch developments closely.

New Year’s Resolutions for Your Marketing

Marketing can be pretty complex, and can mean different things to different people and companies. No matter what you want to improve, here are some resolutions for you to get the ball rolling on a better New Year.

DBA International Recommendations Incorporated in New York’s Final Debt Collection Rules

DBA International recognizes and appreciates the time and effort that the New York State Department of Financial Services (DFS) spent thoughtfully analyzing and accommodating the concerns DBA International brought forth in our October 1, 2013 and August 15, 2014 correspondence as part of the rulemaking process leading to the department’s final rules on debt collection which were issued today.

New York Adopts New Statewide Regulations on Debt Collection

New York State’s Department of Financial Services Wednesday announced the formal adoption of new debt collection regulations that place new specific disclosure and written communication requirements on third party debt collectors and debt buyers. In addition to new requirements, the rules also create a structure for the use of email in debt collection efforts.

Two Leaders in Russian Debt Collection Market Combining to Create Massive ARM Firm

National Recovery Service (NRS) and First Collection Bureau (FCB) -- Russia's leaders in collection services outsourcing and debt purchase -- today announces a strategic partnership at the shareholder level.

DBA International Discusses Global Debt Buying Industry at UK Conference

At Credit Today’s Collections Debt Sale and Purchase Conference in Manchester, England on Thursday, November 20, DBA International discussed the debt buying market in the United State and Europe on a panel titled “International Collections and Debt Sales.” More than 200 people attended the panel discussion.

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.

Debt Recovery

Free Webinar Looks at Best Practices in Internal Audits

Under CFPB supervision and oversight, collection agencies are now mandated to conduct internal audits of policies and procedures to ensure regulatory compliance. But internal audits aren’t just about an agency’s internal workings: you’d better be prepared to answer for all of your business associates and vendors while you’re at it. Without the right process in […]

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 […]

 

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