What Is A Debt Collector? What are a Debt Collector’s Rights And Obligations?

Many New Yorkers find themselves in debt, and receiving phone calls from debt collectors. But few people understand what a debt collector is, and what rights and obligations a debt collector has when it comes to seeking repayment of outstanding debts. When it comes to Read More …

Debt Collection Abuse and Harassment Is Prohibited By The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices.  The scope of the act covers communications between debt collector and debtor, communications between debt collectors and third parties, harassment, false or misleading representations, and an array of unfair practices.  The Read More …

When Credit Card Debt Lawsuits Are Based On Bad Information: Available Defenses for Unsuspecting Consumers

Many credit card debt lawsuits are filed mistakenly because they are based on incorrect information. There are countless instances where a person is wrongly accused of owing a debt and sued by creditors.   Credit card company has incorrect information. This is one of the Read More …

Debt Collection Defense: Horror Stories of Zombie Debt and Debt Scavenging

It is no wonder that debt collection is always cast in a negative light. Not only are there debt collectors out there who illegally harass and torment debtors to the point of frustration and fear, but there are also countless horror stories about debt scavengers Read More …

Understanding Debt Collection Abuse And How To Defend Your Consumer Rights In New York

Both consumers and creditors have legal responsibilities. Creditors, in the process of collecting a debt over time, have a responsibility to comply with the many regulations concerning debt collection abuse.  These regulations pertain to the manner of collection, and disclosures of debt-related information to consumers.  As Read More …