Few things are more unsettling/frustrating than being pursued for a debt you know you didn’t create. You review the balance. You scan your memory. And nothing adds up. Still, the collector insists the debt is yours. Every year, thousands of consumers are pursued for debts they do not owe. In many cases, the problem isn’t…
Sometimes a debt collector can’t clearly explain where the debt came from. Documents are missing, balances keep changing, or the calls won’t stop. Many consumers are pursued for wrongful debts, and recognizing the red flags early can make the difference between stopping the damage and living with it for years. When a Collection Crosses the…
When a debt collector comes calling, fear and confusion follow. Many consumers believe they have no choice but to pay whatever is demanded, even when the debt might not be accurate, enforceable, or legally collectible. The truth is, debt collection defense is full of myths that work in favor of collectors and against everyday people….
You answer your phone and hear, “You owe a debt and we’re collecting.” Your heart skips a beat. Maybe you’ve missed a payment or forgotten about an old account. Or maybe, just maybe, your instincts are setting off alarm bells, and something feels off. In the age of robocalls and ever-present telemarketing scams, how can…
Debt buyers are companies that purchase delinquent debts from original creditors (and often from each other) for a fraction of the total amount owed – pennies on the dollar. They then attempt to collect the full balance, often employing aggressive tactics and filing lawsuits to maximize profits. Unlike the original creditor, these companies typically have…
Debt buyers thrive on purchasing old debts for pennies on the dollar and aggressively pursuing collection. If you’ve been/being sued for more than $10,000 by one of these companies, you may be wondering: Is this legal? Are they violating my rights? The truth is many debt buyers engage in practices that cross the line into…
As a consumer protection lawyer, one of the most common questions I receive from clients and non-clients alike is, “how do I get debt collectors to stop calling!?.” Having creditors constantly calling is a stressful and unpleasant experience, to say the least. Fortunately, there are measures that consumers can take to keep debt collectors from…
Peter had the pleasure to sit down (virtually speaking) with Hatti Suvari on her podcast, “Get Legally Speaking with Hatti Suvari.” Hatti’s podcast is curated to help people understand legal concepts and get answers to legal FAQs without necessarily needing to consult with a lawyer face-to-face. Peter has spent most of his legal career helping…
Getting to court can be inconvenient, but can you imagine being summoned to appear in a different country? That is exactly what sometimes happens to consumers who have left the US. In recent months, several people have contacted us with the same problem: they’ve just found out that an old creditor sued them in Maryland…
While people are just trying to make ends meet amid a global pandemic, the last thing they need is unlawful debt collectors harassing them for money. If you’ve been experiencing debt collection harassment, we want to help, and here’s how to stop debt harassment in its tracks. Debt Collection Harassment Debt collection harassment refers to…
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