Often times when you’re being called constantly by a debt collector, you wonder, “How do I get this to stop?”
You can use the TCPA and the FDCPA to stop collectors from calling you
Both of these laws are powerful tools to help you.
The FDCPA, or Fair Debt Collection Practices Act, orders debt collectors to treat you fairly, be honest with you, and to take care of things in a legal fashion.
You may be thinking, “That’s great with… (Read more)
“Why am I getting these automated calls from DCI for somebody else’s old cell phone bill?”
I know it is frustrating to get robo or autodialed calls to your cell phone for someone else — especially the person who used to have your cell phone number. Usually the debt collector blowing up your phone is a company called DCI, but there can be other companies as well.
Here’s the normal way it works
Say you go to AT&T, Verizon, T-mobile,… (Read more)
“Why do I need to bring you a timeline and give you info for our consultation?”
When we have a consultation we need certain information from you including a timeline of what happened when.
Sometimes potential clients don’t want to get us documents — they say, “I have a specific question and I just want you to answer that one question. I don’t need to share any other information with you.”
We respectfully decline to consider letting these folks be… (Read more)
New TCPA Rules Protect Consumers From Robocalls — Analysis Of Statement Of Chairman Tom Wheeler
Well, the collection industry and telemarketing folks are having a complete come apart over the losses they suffered at the FCC when they didn’t get everything they asked for, thankfully.
The official order will be out soon and we’ll analyze it then but for now here is the statement by Chairman Tom Wheeler with our analysis in bold and italics.
FCC STRENGTHENS CONSUMER PROTECTIONS… (Read more)
“What is loss mitigation?”
Loss mitigation means to avoid a foreclosure. Within loss mitigation we have:
Loan modification
Short sale
Deed in lieu of foreclosure
Forbearance
Principal reduction
etc.
What to do if you are struggling with making your payments
If you are falling behind on your mortgage, it makes a lot of sense to ask your mortgage company to give you loss mitigation. Normally you will fill out a package — a loss mitigation package — and then the… (Read more)
“Why Is the TCPA Called a Bounty Hunter Statute?”
The TCPA (Telephone Consumer Protection Act) governs computer or robo dialed calls and text messages to your cell phone.
One common complaint by the companies who violate the law and get sued is that the law is unfair — it is a “bounty hunter” statute that awards people money even when they weren’t “harmed” by the illegal calls.
This is because the law says for each violation you can get $500… (Read more)