What should you do if you are being harassed for a debt that you did not sign for? Here are some ideas: If you acted as a power of attorney (POA) for another, the creditor is likely violating several consumer statutes for unlawfully collecting a debt against you. We can…
Can I do All This Myself or Do I Need an Attorney? Yes, dealing with your debt is something you can do yourself. But like anything, sometimes it is better to hire someone who does this day in and day out. Particularly if you have a lot of debt or…
Credit reports have more errors than ever right now. Student loans, car loans, really – any kind of credit out there, is often reported inaccurately on your credit reports. It costs you nothing to have us take a look. Our Fair Credit Reporting Act cases are ALL on a contingency…
Let’s say you have negotiated a settlement with a creditor. What should you include to help ensure that your credit is the best it can be? First, under the Fair Credit Reporting Act (the “FCRA”), a creditor is not required to report anything, but what it does choose to report,…
When is it time to ignore calls versus doing something about them? If you are being harassed or threatened collection actions on old debt, there are many things to consider. First, a legitimate collector is required to send you something in writing within five days of the initial contact under…
People are often confused about how attorney’s fees work – when do you have to pay your own, and when does the losing party have to pay? This question is very important when you are faced with a decision of whether to “take someone to court”. In the United States,…
A mortgage servicer called a “furnisher” for purposes of credit reporting is responsible for updates to a borrower’s credit report. Many times following a foreclosure, there is a limited time for the lender to seek a deficiency judgment. Here is Florida it is one year. If a year goes by,…
Now that debt collectors are back and moratoriums are falling away, this is a good opportunity to remind Florida consumers about limitations that bind debt collectors. Basically, things they may do or say that could get them into trouble, and give you recourse to sue or settle or more favorable…
What are the most common errors on a credit report that lead to FCRA claims — and resulting damages? Status Disputes – error/inaccuracy standards which give rise to valid disputes: these are things that are factually inaccurate such as: reporting a settled account as past due/open; reporting a discharged account…
In our consumer practice, I was surprised to see that denials of life insurance or annuities are often a violation of the Fair Credit Reporting Act (“FCRA”). The medical screening reports are often ad hoc and inaccurate. If you have applied for life insurance and been denied, don’t give up. …