Collection Operation Accused of Making More than 200 Calls After Receiving Cease Request
Account Recovery
FEBRUARY 7, 2025
The claims mentioned are accusations and should be considered as such until and unless proven otherwise.
Judge Grants MJOP in FDCPA Case Over Text Message Sent After Cease Request
Account Recovery
DECEMBER 11, 2024
The background: The case stemmed from a series of communications between the plaintiff and the defendant, a debt collection company. This past July, the defendant sent the plaintiff a text message seeking payment for a debt tied to a cell phone account.
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Lack of Jurisdiction Leads EDPA Judge to Grant MTD in FCRA, FDCPA Case
Account Recovery
OCTOBER 14, 2022
In what feels like a “three people who have never been in my kitchen” claim, a District Court judge in Pennsylvania has granted a motion to dismiss filed by two debt collection companies that were sued for allegedly violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on the grounds that … The post Lack (..)
FTC Sues Perpetrators of Phantom Collection Scheme
Account Recovery
MARCH 4, 2025
Don’t look now, but there was an enforcement action involving a debt collection company announced by a federal regulator. The claims: The complaint accuses the defendants of multiple illegal practices. First, they allegedly misrepresented themselves as attorneys or members of a law firm.
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CFPB, NY AG Sue Alleged Collection Scammers
Account Recovery
SEPTEMBER 9, 2020
A number of debt collection companies, alleged to have been operating as one common enterprise, along with the principals and managers of the companies have been sued by the Attorney General of New York and the Consumer Financial Protection Bureau, for allegedly violating the Fair Debt Collection Practices Act, the Consumer Financial Protection Act, (..)
Judge Issues Contempt Order for Agency CEO For Failing to Respond in FDCPA Suit
Account Recovery
MAY 26, 2021
A District Court judge in New Jersey has cited the principal of a debt collection company for contempt of court for failing to respond to a proposed class action lawsuit and pay a default judgment of $7,671.50
Appeals Court Upholds Ruling for Defendant in FDCPA Case Over Furnishing After Cease Request
Account Recovery
OCTOBER 7, 2024
The Court of Appeals for the Second Circuit on Friday affirmed the dismissal of a Fair Debt Collection Practices Act lawsuit filed against a debt collection company that was centered around alleged improper communication practices by the defendant after the plaintiff requested a cease in communication regarding an outstanding debt.
Parking Company Ordered to Pay $106,000 in Fines for Alleged Violations of the Colorado Fair Debt Collection Practices Act
Troutman Sanders
SEPTEMBER 12, 2023
PRRS), a collection company, was accused of violating the Colorado Fair Debt Collection Practices Act (CFDCPA) by allegedly illegally collecting or attempting to collect on parking fines that were already paid or were incurred by another vehicle owner. Parking Revenue Recovery Services, Inc.
How Do I Send Debt to Collections?
Nexa Collect
AUGUST 6, 2020
While it’s smart to initially attempt collection on your own, there’s only so much work you should do. Trying to collect a bad debt is draining on your time and your resources. Eventually, it makes sense to pass the task on to a professional debt collection company. Contact Us.
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Can Debt Collectors Call on Holidays?
Credit Corp
NOVEMBER 15, 2020
You probably don’t want a debt collector to call when you’re at home, spending a holiday with friends and family. The good news is there are protections in place to eliminate abusive and unfair debt collection practices. How Can I Keep Debt Collectors From Interfering With Holidays?
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Can Debt Collectors Call on Holidays?
Credit Corp
NOVEMBER 21, 2021
Can Debt Collectors Call on Holidays? While technically there are no specific prohibitions on debt collectors calling on holidays, it may fall into a category that’s not allowed by the Fair Debt Collection Practices Act (FDCPA). According to the FDCPA, debt collectors can only call between 8 a.m.
Mar 18, What is a debt collector?
Debt Collection Answers
MARCH 18, 2016
Under the federal Fair Debt Collection Practice Act, a debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past-due. Debt collectors include collection agencies or lawyers who collect debts as part of their business.
Why It’s Important to Set Aside and Save Your Collection Letters
Sawin & Shea
FEBRUARY 16, 2021
Federal law limits debt collection efforts and makes it clear that creditors are breaking the law under certain circumstances. Creditors are governed by the Fair Debt Collection Practices Act. Many collection companies, however, skirt these rules and do not comply.
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New York Federal Court Sides with CFPB, Denies Debt Holders’ Motions to Dismiss Case Alleging Violations of the FDCPA and CFPA
Troutman Sanders
AUGUST 31, 2023
On August 22, a district court judge in the Western District of New York denied the defendants’ motions to dismiss a case brought by the Consumer Financial Protection Bureau (CFPB) alleging violations of the Fair Debt Collections Practices Act (FDCPA) and Consumer Financial Protection Act (CFPA).
Collection Letter Showing a Zero Balance for Interest and Fees Did Not Violate the FDCPA
Troutman Sanders
JULY 31, 2020
The Middle District of Pennsylvania recently held that including line items for interest and fees in a debt collection letter when no interest or fees are sought does not violate the Fair Debt Collections Practices Act (“FDCPA”). ACS”), seeking to collect a consumer debt. In Reyes v.
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FTC Strips Debt Collector’s Assets and Requires Deletion of All Reported Debts as Penalty for “Debt Parking”
Troutman Sanders
DECEMBER 7, 2020
Midwest Recovery Systems (“Midwest Recovery”), a debt collection company, must cease its alleged debt-parking practices, delete all reported debts, and surrender its remaining assets in partial payment of a $24.3
What Debt Collectors Can and Cannot Do in Indiana
Sawin & Shea
JULY 20, 2022
Businesses or individuals who collect debts on behalf of others are known as debt collectors. The majority of debt collectors work for reputable collection companies. Doctors, hospitals, shops, mail-order businesses, and occasionally banks and loan firms all use collection agencies.
How To Remove Portfolio Recovery From Your Credit Report
Better Credit Blog
APRIL 3, 2022
If you’re hearing from this Norfolk, Virginia-based collection agency, you owe the agency money, and it has a strong incentive to collect on your debt. When you hear from Portfolio Recovery (or any other debt collector), let the agency know that you know your rights. Make Them Prove the Debt is Yours.
How will Hunstein v. Preferred Collection & Mgmt. Impact The Collections Industry?
Credit Management Company
JULY 14, 2021
Everyone in the debt collection industry is familiar with the Fair Debt Collections Practices Act (FDCPA). Reputable collections agencies willingly follow these rules and treat patients with compassion and respect. Preferred Collection and Management Services, Inc. Now the FDCPA is in the news again.
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Ninth Circuit Holds Reliance on Contract Provision by Debt Collector Not Enough for FDCPA “Bona Fide Error” Defense
Troutman Sanders
DECEMBER 1, 2020
National Business Factors (“NBF”), a debt collection company, entered an agreement with Tahoe Fracture Clinic (“TFC”), to collect debts owing to TFC. The Ninth Circuit Court of Appeals held in Urbina v. National Business Factors Inc. National Business Factors Inc.
How To Remove Credence Resource Management From Your Credit Report
Better Credit Blog
APRIL 1, 2022
Also, others cited that Credence did not remove the collection from their credit reports after the creditor negotiated an agreement with them. The Fair Debt Collection Practices Act provides several protections from collection agencies, so it is important to know your rights. Send a Debt Validation Letter.
Can a Debt Collector Collect After 10 Years?
Credit Corp
DECEMBER 14, 2020
Whether you have medical debt, credit card debt or unpaid student loans , getting calls or letters from debt collection companies can be frustrating. But it’s especially frustrating if your debt is several years old. Ask the creditor to send you written notice of the debt.
How to Remove MRS BPO LLC From Your Credit Report
Better Credit Blog
AUGUST 21, 2020
MRS BPO LLC is a medium-sized debt collection agency based in Cherry Hill, NJ. They were originally founded in 2007, which makes them a relatively new debt collection company. MRS BPO LLC collects on behalf of a number of industries, including health care, credit cards, auto loans, telecom, and utilities.
Hot to Remove Credit Collection Services From Your Credit Report
Better Credit Blog
APRIL 1, 2022
Harassing calls from a debt collection company tends to trigger a range of unpleasant emotions, from anxiety, fear, anger, frustration, and beyond. The Federal Trade Commission or FTC enforces these rules, collectively known as the Fair Debt Collection Practices Act and prevents debt collectors from harassing you.
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What Is a Debt Collector and Why Are They Contacting Me?
Taurus Collect
FEBRUARY 1, 2024
The legal framework governing their actions varies from country to country, with rules specifying how and when they can contact debtors, what they can say, and the measures they can take to collect the owed amount. In the UK, debt collection companies operate under strict regulations set forth by the Financial Conduct Authority (FCA).
How to Stop ARS National Services
Debt Collection Answers
MAY 18, 2023
The Fair Debt Collection Practices Act (FDCPA) and other laws provide you with rights and protections that you can use to fight back against such behavior. When dealing with a debt collector like ARS National Services, confirming that the debt is yours is important. What is Associated Recovery System Collection?
How to Cultivate Better Relationships with Debtors
Credit Management Company
SEPTEMBER 30, 2022
Building positive relationships, or at least productive ones, goes beyond the baseline step of following the Fair Debt Collection Practices Act (FDCPA). In years past, third-party credit collections companies had a bad reputation when it came to customer relations.
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How Debt Collectors Work
Taurus Collect
FEBRUARY 1, 2024
One notable concept within this framework is the “debt collector no win no fee” structure. This contingency-based approach means that some debt collection companies do not charge the creditor unless they are successful in recovering the delinquent funds.
How to Remove National Credit Services from Your Credit Report
Better Credit Blog
SEPTEMBER 18, 2020
Most people that are contacted by a debt collector don’t realize that federal law protects them from abuse and harassment. This legislation is called the Fair Debt Collection Practices Act. Validate the Debt. Under the Fair Debt Collection Practices Act (FDCPA), you have a right to ask them to do this.
3rd Circuit Ruling On Bar Codes Has Implications For Debt Collectors
Collection Industry News
JULY 12, 2021
A recent decision in the 3rd Circuit should prompt debt collectors to review their inclusion of viewable bar codes, QR codes or other technologies when sending debt collection letters. Preferred Collections and Management Services, Inc. , In the wake of Hunstein v.
3 Tips for Hiring a Debt Collection Agency
National Service Bureau
JUNE 10, 2015
Choosing the right debt collection agency is an important decision that can have both positive and negative repercussions for your business. With that in mind, here are three tips to choose the right collections company to manage your accounts receivable. Research the Company. Do they have insurance? Compare Costs.
CFPB to Furnishers of Information to Consumer Reporting Agencies: Have an Adequate Written Policy or Else
Troutman Sanders
SEPTEMBER 7, 2021
According to the complaint, “FCO and Sobota operate the largest debt collection company in the multiunit housing industry, and they collect debt on behalf of large apartment complexes, including student and military housing, and assisted-living facilities.” District Court for the District of Maryland.
Washington Federal Court Rejects Hunstein; Holds Article III Standing Exists in FDCPA Letter-Vendor Claim
Collection Industry News
MAY 30, 2023
Ramirez , courts and litigants continue to grapple with standing issues in Fair Debt Collection Practices Act (FDCPA) cases brought by plaintiffs alleging intangible harms to reputation and privacy interests. Nearly two years after the Supreme Court’s 2021 decision in Transunion v.
How to Remove EOS CCA from Your Credit Report
Better Credit Blog
SEPTEMBER 11, 2020
Also known as Collection Company of America, EOS CCA is a large collection agency that currently employs about 6,000 employees. Debt collectors are notorious for saying one thing to you over the phone and then turning around and doing the opposite. What is EOS CCA?
Seventh Circuit in Boucher: Miller Safe Harbor Language Does Not “Immunize” Debt Collectors from Liability for Violations of § 1692e
Consumer Financial Services Law
FEBRUARY 11, 2018
2018) , now calls that safe harbor language into question and subjects collectors to liability under another section of the Fair Debt Collection Practices Act (“FDCPA”), § 1692e, for use of the language the court itself drafted. of Green Bay , 2018 U.S. LEXIS 1094 (7th Cir. Miller , 214 F.3d In Boucher v. LEXIS 1094 (7th Cir.
How to Remove Credit Control Corp From Your Credit
Better Credit Blog
AUGUST 7, 2020
If you forget to pay a bill, you may begin to hear from a debt collection agency called Credit Control Corp. Credit Control Corp is a debt collection company that collects payment on your debt on behalf of the original creditor.
How to Remove AAA Collections from Your Credit Report
Better Credit Blog
SEPTEMBER 30, 2020
Founded in 1986, AAA Collections is a small collection agency based in Sioux Falls, SD. They specialize in collecting on behalf of companies in the healthcare industry. You may be curious if AAA Collections is a legitimate collection company. Hire a Professional. Know Your Rights Under the FDCPA.
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How To Remove Fidelity National Collections From Your Credit Report
Better Credit Blog
FEBRUARY 17, 2021
Fidelity National Collections is a medical debt collection company that works on behalf of healthcare providers to recover unpaid balances. Apart from their calls and letters, Fidelity Collections can have a detrimental effect on your credit score.
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How to Get Debt Recovery Solutions Off Your Credit Report
Better Credit Blog
JANUARY 27, 2021
What is Debt Recovery Solutions? Debt Recovery Solutions is a medium-sized debt collection company that is headquartered in Syosset, NY. The major complaint when it comes to Debt Recovery Solutions is their disregard of the Fair Debt Collection Practices Act (FDCPA).
How to Remove Pioneer Credit Recovery from Your Credit Report
Better Credit Blog
SEPTEMBER 8, 2020
Also known as Pioneer Landing, Pioneer Credit Recovery is a medium-sized debt collection company that is headquartered in Arcade, NY. Originally founded in 2001, they collect debt on behalf of federal student loan servicers, county and municipal courts, the IRS, and more. What Is Pioneer Credit Recovery?
9th Cir. Reverses Trial Court Ruling in Favor of Defendant on FDCPA Claim Related to Bankruptcy
Collection Industry News
DECEMBER 21, 2020
Court of Appeals for the Ninth Circuit recently reversed an award of summary judgment in favor of a defendant debt collector against claims that it violated the federal Fair Debt Collection Practices Act (FDCPA) by attempting to collect a debt that was discharged in bankruptcy and no longer owed.
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The Limits On Direct And Vicarious Liability Under The FDCPA
FDCPA Defense
JANUARY 28, 2012
Courts have recognized that shareholders, officers or employees of a corporate debt collector may not be directly liable under the FDCPA, unless the plaintiff can meet the strict requirements necessary to pierce the corporate veil. 2000) (“[T]he debt collection company answers for its employees' violations of the statute.
How To Remove ACS Inc From Your Credit Report
Better Credit Blog
NOVEMBER 24, 2020
ACS Inc is a medium-sized debt collection company that is headquartered in Clearwater, FL. Originally founded in 2012, they collect a number of consumer debts including credit card, automotive, utilities, and telecommunication. Keep reading for our full guide on how to accomplish this. What is ACS Inc?
Debt Collector Is Target Of Civil Lawsuits, Federal Probe
Collection Industry News
MAY 11, 2021
“They have not charged me with anything … because my companies follow the law.”. Attorney’s office said Miller’s debt collection companies are under investigation for an alleged “wire fraud scheme related to unlawful debt collection activities involving victims across the United States.”.
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