Consumer Law

Times Piece by Debt Collector and Reports on Other Consumer Issues
Today's Times has a piece written by a debt collector about how he helps people, In Tough Times, A Debt Collector Sees the Pain. An excerpt: When someone calls back and thanks you for suggesting they get the debt resolved...

When Can An Alabama Consumer Sue A Debt Collector - Part One
Alabama consumers are often victims of abusive debt collectors or junk debt buyers and can sue (under the Fair Debt Collection Practices Act and/or Alabama law) these collectors or debt scavengers when the following four requirements are satisfied: 1...

Does The Debt Go Away If I File A Federal Lawsuit Under The FDCPA
A question we are sometimes asked is "Does it matter if I actually owe the debt that an abusive debt collector is collecting on and if I sue the abusive debt collector does the debt go away?" The short answer to this question is "No"...

Debt Collector Uses Consumer's Debit Card Information for Spending Spree
The Buffalo News reports here about a debt collector who persuaded a consumer to provide him with her debit card information and then ran up nearly $2,000 of charges on her account...

CNN Story On Abusive Debt Collectors
CNN just put up a fascinating story on debt collectors and collection agencies that are abusive towards consumers. This is something that we are seeing more and more of as Alabama consumers are becoming targeted by abusive collectors as the economy continues to seem to slow down...

Indiana Consumers Should Put Debt Collectors To Their Proof
You just received a telephone call from a debt collector. The debt collector was mean and nasty and threatening and you don't know what to do. First, relax. Then wait. The debt collector has five days (from the initial communication) to send you a letter with this information: (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor...

Should Alabama Consumers Contact A Consumer Lawyer The First Time They Hear From A Debt Collector
Whenever an Alabama resident is contacted by a collection agency or debt buyer or debt collector, we recommend that the Alabama resident contact a consumer attorney. There are several critical reasons why we recommend this...

When Can An Alabama Consumer Sue A Debt Collector - Part Two
We now look at what are some of the more common types of violations of the Fair Debt Collection Practices Act (FDCPA) that will allow an Alabama consumer to sue a debt collector or debt buyer...

The Mortgage Forgiveness Debt Relief Act
Phantom Income Relief on Debt Cancellation

Collection Agencies and Creditors
How to deal and stop the harassment

Bankruptcy Law
A complete prime (pre-2005)

The Paulson Toxic Mortgage Debt Security Act: The Biggest Government Bailout of All Time
Legislative Proprosal for Treasury Authority to Purchase Mortgage-related Assets

Emergency Economic Stabilization Act of 2008
Bailout Bill HR124

Truth In Lending Act
Consumer Loans and Consumer Credit Protection Act

Creditor Debt
Trophy Resources agrees to $600,000 debt settlement.

Bankruptcy
helping to get you out of debt.

Mel Harris and Associates Debt Collection
Face Class Action for Alleged "Sewer Service" Practices

AireSurf Networks Holdings Inc.
$23,147 debt settlement made by issuance of 115,735 common shares.

Too Much Debt
Titan Oil and Gas to pay $179,477 settlement in financial lawsuit.