Consumer Law

How Old Is Too Old To Collect A Debt In Indiana
Q: I live in Indianapolis, Indiana. I recently received a phone call from a debt collector about a debt on a credit card that my former spouse and I had a long time ago. We have been divorced for over seven years, and this delinquent credit card debt was his per the divorce decree...

$8,000 debt turns credit card couple onto debit
“A study shows more people are doing the same—using cash, not credit. But that kind of fiscal responsibility worries credit card companies.” $8,000 debt turns credit card couple onto debit | CNN

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...

Third Party Contact (Neighbors & Co-Workers) - Why Debt Collectors Break The Law
Debt collectors illegally call third parties - that is, neighbors, family, co-workers, ministers, etc - for one reason and one reason only - because it is effective in getting Alabama consumers to pay money...

Beware of this collector trick - credit card co signer vs. authorized user
If you owe money on a credit card that has been turned over to a collection agency, chances are excellent that the collection agency is not only pursuing you but any authorized user...

Some lightweight tips on dealing with debt collectors
MarketWatch has an article, “How to deal with a debt collector” that reads like it was written by a debt collector. Read if you like, but the tips you can find on this blog will probably do you more good...

Truth In Lending Act
Consumer Loans and Consumer Credit Protection Act

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

Collection Agencies and Creditors
How to deal and stop the harassment

Green Cards
Ways to get a green card

EB-1 and EB-2 Visa Status
Obtaining a Green Card Without Going Through the Labor Certification Process

Sex Offender Lists
Registries by State and County

Prepaid Debit Card
alleging hidden prepaid debit card fees.

Wegmans Food Market
alleging the retailer revealed too much information on their credit and debit card receipts, violating the FACTA law, and leaving customers open to identity theft

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

Citibank
Will Repay $14 Million to Credit Card Customers