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Debt collectors

FCC Intends to Tighten Telephone Consumer Protection Act

If you’re worried about unwanted calls or text messages to your mobile device or landline, then the Federal Communications Commission’s (FCC’s) proposed rule-change to the Telephone Consumer Protection ACT (TCPA) is something to look forward to. Characterizing it as the FCC’s greatest advance in consumer protection since the do-not-call registry of 2003, the agency’s goal …

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New York Attorney General Announces Settlement With Credit Reporting Bureaus

Late last year I wrote about the federal government’s investigations into zombie debts that were persisting on people’s credit reports after they filed New York bankruptcy. Uncorrected errors on credit reports like these can cause serious consequences for those trying to obtain new credit, especially those who’ve exited bankruptcy. The good news on this front …

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New York Regulators to Crack Down on Abusive Debt Collectors

You would think state regulators would be monitoring debt collectors already, but it turns out there were gaps in the law that allowed some debt collectors to go about their business unsupervised. The result, as you can imagine, was many people—including some who had completed New York bankruptcy—suffering abuse. The state’s Department of Financial Services …

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Beware Deficiency Judgments From Fannie Mae

The New York Times tells us that the robo-signed foreclosure documents are rearing their ugly heads again. Back in 2010, it came to light that banks were trying to foreclose on houses without verifying the information on the loan documents. The result was a slew of wrongful foreclosures on homeowners who were good on their …

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National Consumer Law Center Slams Government on Student Loan Collections

The standard drill for collections on most debts is that the lender sells the debt to a collections agency for a fraction of the loan’s balance. It then (hopefully) obeys the laws to convince the borrower to repay it. For student debtors whose education loans are directly lent from the federal government (not the older …

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New York Bankruptcy Is Better Than Paying a Fraudulent Debt Collector

The New York Times Magazine ran an interesting article on the “dark, labyrinthine, and extremely lucrative world” of consumer debt collection. Its principal characters were an ex-Wall Street banker and an ex-con. Frankly, it read like the cast of characters from a comedy movie like Repo Man. One of the topics the article raised was …

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