Debtor, Fair Debt Collection and Original Creditor

Debtor

Fair Debt Collection

Original Creditor

Dealing with Debt Collectors

Debt Free Colorado

FEBRUARY 21, 2022

Does Colorado Law Protect Me From Debt Collectors? When collecting a debt from you, collection agencies must adhere to federal and state rules. Fortunately, the federal Fair Debt Collection Practices Act (FDCPA) protects all states. What is the Federal Fair Debt Collection Practices Act (FDCPA)?

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Debtor Protections and Consumer Rights in New York: An Attorney’s Perspective

FFGN COLLECT NY

DECEMBER 12, 2023

Is there a law in NYC that protects consumers and debtors from debt collecting agencies, businesses, and their attorneys? Suppose you are under constant pressure from these agencies and their legal representatives to settle your debt. Why is Debt Verification Important & Why Debtors Should Care?

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Can a Collection Agency Report to the Credit Bureau Without Notifying You?

Credit Corp

NOVEMBER 9, 2020

Can a collection agency report to a credit bureau without notifying you? Knowing illegal debt collection practices can help identify when you’re being treated unfairly. The Fair Debt Collection Practices Act is a federal law that protects consumers against certain unfair collection practices.

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Ninth Circuit Partially Reverses Grant of Summary Judgment in Favor of Debt Collector in FDCPA Case

Troutman Sanders

FEBRUARY 1, 2022

District Court for the Southern District of California, granting summary judgment in favor of a debt collector in a Fair Debt Collections Practices Act (FDCPA) case. In doing so, it held that a collection letter, which indicated that the debtor could only dispute the underlying debt in writing, violated the FDCPA.

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How Does Validation of Debts Work?

Credit Management Company

AUGUST 9, 2022

While many consumers are able to manage their debt load and stay current on their accounts, many businesses are finding themselves with uncollected debt and no proven collection strategy. Before you can collect on any debt, you need to validate the debt in accordance with the Fair Debt Collection Practices Act.

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How to Remove Collection Accounts from Your Credit Reports

Credit Corp

SEPTEMBER 12, 2023

If the debt collector made an error: If you suspect the debt collection agency made a mistake, like if you see a debt you don’t recognize, you’ll need to confirm the debt belongs to you. You can also contact the original creditor to get this information.

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How Credit Card Debt Collection Works

Taurus Collect

MAY 11, 2023

Overview of The Credit Card Debt Collection Process Credit card debt collection can be a stressful experience for both the debtor and the creditor. The process begins when the debtor stops making payments on their credit card and goes into default.

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Common Myths About Using a Collection Agency

Credit Management Company

FEBRUARY 22, 2022

Read on to discover all you need to know about debt collection agencies. Myths About Using a Collection Agency: Paying the Original Creditor to Bypass Agencies. Many people believe they can get around dealing with debt collection agencies by paying their original creditors directly.

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How Many Times Can a Debt Collector Call Me in One Day

Taurus Collect

NOVEMBER 15, 2023

Regulations around debt collection are strict, and experts from no cure no pay debt collection UK are here to help you navigate these waters. In this post, we will explore the rights and regulations governing debt collection in the UK. If they disregard your preferences, this could be considered harassment.

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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).

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3rd Cir. Holds No FDCPA Violation When Debt Collector Invited Phone Calls To ‘Eliminate Further Collection Action’

Collection Industry News

MARCH 23, 2021

Court of Appeals for the Third Circuit recently held that a debt collector did not violate the federal Fair Debt Collection Practices Act (FDCPA) when it sent a consumer a collection letter inviting her to “eliminate further collection action” by calling the company, when in fact only written communication could legally stop collection activity.

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A Comprehensive Overview of How Commercial Debt Collection Agencies Work

Debt RR

AUGUST 3, 2020

Routine phone calls: Demand letters are a formal process that gives debt collectors leverage if they have to sue for the balance owed, but phone calls are the most common way commercial debt collection agencies will use to try to communicate with debtors. How Long Can a Debt be Pursued?

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What is Caine and Weiner?

Debt Collection Answers

MAY 18, 2023

Caine and Weiner is a prominent debt collection firm that operates across various sectors, gathering debts from a range of industries, including: Personal loans Phone bills Student loans Credit cards To secure his debts, Caine and Weiner acquire them from the original creditors at a reduced price, then pursue the entire amount from the debtor.

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Can a Debt Collector Collect After 10 Years?

Credit Corp

AUGUST 31, 2021

Some debt buyers —companies that buy and try to collect very old debts—still go after borrowers and might even take them to court. If they do this knowing that the debt is past the statute of limitations, they may have violated the Fair Debt Collections Practices Act. You default on that debt.

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Collection agencies can buy debt from creditors, can sue for money | Fact check

Collection Industry News

APRIL 2, 2024

Our rating: False There is nothing illegal about collection agencies buying debt from third parties and attempting to collect it. The post also misrepresents the protections in place to prevent harassment by debt collectors.

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The Limits On Direct And Vicarious Liability Under The FDCPA

FDCPA Defense

JANUARY 28, 2012

Debt buyers are being sued based on the conduct of their agencies and law firms. Even original creditors, who are not subject to the FDCPA, are being drawn into FDCPA litigation under various theories of recovery. For this reason, original creditors are not subject to the FDCPA (except in very limited circumstances).

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The Fair Debt Collection Practices Act

Collection Industry News

SEPTEMBER 8, 2020

THE Fair Debt Collection Practices Act (FDCPA) is a federal law that was enacted in 1978 by the United States Congress to protect consumers from abusive debt collectors. Note, however, that the FDCPA applies only to third party collectors who collect debt for original creditors. Fremont Ave.,

Fair Debt Collection

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Creditor Collections Today

Dealing with Debt Collectors

Debtor Protections and Consumer Rights in New York: An Attorney’s Perspective

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Can a Collection Agency Report to the Credit Bureau Without Notifying You?

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Ninth Circuit Partially Reverses Grant of Summary Judgment in Favor of Debt Collector in FDCPA Case

How Does Validation of Debts Work?

How to Remove Collection Accounts from Your Credit Reports

How Credit Card Debt Collection Works

Common Myths About Using a Collection Agency

How Many Times Can a Debt Collector Call Me in One Day

What Is a Debt Collector and Why Are They Contacting Me?

3rd Cir. Holds No FDCPA Violation When Debt Collector Invited Phone Calls To ‘Eliminate Further Collection Action’

A Comprehensive Overview of How Commercial Debt Collection Agencies Work

What is Caine and Weiner?

Can a Debt Collector Collect After 10 Years?

Collection agencies can buy debt from creditors, can sue for money | Fact check

The Limits On Direct And Vicarious Liability Under The FDCPA

The Fair Debt Collection Practices Act

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