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• Comment Link Wednesday, 15 June 2022 17:10 posted by CurtisSaink

  0 Down. NO money out of your pocket! The legal team at Half Price Lawyers has the experience and dedication to help alleviate the stress and hardship associated with filing for Bankruptcy. If you’re worried about losing your home, car or personal items, let our Las Vegas bankruptcy attorneys show you how it might be possible to keep these assets while you go through bankruptcy proceedings. Financial difficulties can be stressful, but we’re here to help. You might be facing unwelcome calls from creditors. Mounting debt can keep you up at night and cause frustration. Our team of bankruptcy professionals wants to give you peace of mind with a low-cost bankruptcy filing.
  
  Our attorneys can help you with every stage of a personal bankruptcy proceeding. Having Half Price Lawyers on your side gives you peace of mind without the high legal fees. The moment you file for bankruptcy, the only way a creditor can legally contact you is through your bankruptcy attorney. They are not allowed to contact you personally. However, this is not the case if you decide to represent yourself. The best way to put an end to the harassment is to speak with one of our lawyers immediately. When you have debts that are unsecured like credit cards and medical bills, you can erase these debts in bankruptcy if you qualify. If you’re overwhelmed with debt, bankruptcy is the only way to stop debt collectors completely and wipe your debts clean. Good people end up in tough financial situations, which doesn’t mean you don’t deserve another chance. The benefit of filing for bankruptcy is that it can be the fresh start you need.
  
  Your debts are discharged. The whole process takes between three and six months. We want to help you get the best possible result from the legal proceeding, whatever that means for you. Our goal is to help streamline the process for you as much as possible. We want you to have the confidence of knowing the legal process is helping you so you can make informed decisions about how to pursue your case. We represent your best interests every step of the way. The decision to file for bankruptcy is individual to you. Are you ready for a new start?
  
  Depending on your circumstances, you may be able to structure your bankruptcy in a way that allows you to keep your home and your personal property. Filing for bankruptcy doesn’t necessarily mean giving up family heirlooms or losing your household goods. In fact, for most people, you can benefit from bankruptcy by discharging overwhelming debts while keeping what matters to you the most. When you’re considering filing for bankruptcy, it’s crucial to have the assistance of an experienced bankruptcy attorney. Missteps can ultimately make your bankruptcy unsuccessful, or it can prevent you from taking full advantage of the benefits that you can receive from bankruptcy. Bankruptcy proceedings begin when you file a petition for bankruptcy in the appropriate court. You file a statement of your assets and your debts and list your current income and personal expenses. As soon as you file, debt collection efforts against you stop. The court appoints a bankruptcy trustee to oversee your case. You must provide them with a copy of your tax returns. Along the way, you get some credit counseling to help you in the future. The bankruptcy court trustee holds a meeting of the creditors. It’s crucial to provide the information that the creditor needs to approve your bankruptcy. When everything is in order and reviewed, the court approves your bankruptcy.
  
  How to gather the paperwork for your case. Tips on Things to Avoid. With years of experience in bankruptcy court, your attorney knows what could hurt your case and will help you avoid these mistakes, ultimately saving you time and money. Eyes on Deadlines. Your bankruptcy attorney will explain what deadlines you must meet, and help you understand exactly what to do to stay on top of time limits. Knowledge of Changes in the Laws. Bankruptcy laws change over time. The information that you read on the internet may no longer be correct. You can expect your bankruptcy attorney to keep up with the latest changes in the law. Status Updates. With your attorney’s help, you know as soon as changes occur in your case, and you understand the significance of each update in your case. Let us show you what bankruptcy can do for you based on your own, personal situation. In just one visit, we’ll listen to your financial concerns and explain the bankruptcy process. Don’t be afraid to ask questions. We want you to be comfortable with how bankruptcy works and confident in our services. What is Chapter 7 bankruptcy?
  
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  - https://nocollectioncalls.com
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• Comment Link Wednesday, 15 June 2022 17:10 posted by CurtisSaink

  Mey knows she may never be able to collect the $10 million judgment awarded to her, but said her lawsuit still serves a purpose. Indeed, more than 1,000 people have filed complaints with the government about this same group of debt collectors, according to the Federal Trade Commission. Because so many people complained and because they described "intimidation," "deception," "abuse" and "harassment," the FTC took action late last month, raiding the companies and charging them with five counts of violating the Fair Debt Collection Practices Act. The FTC lawsuit names at least 30 interconnected companies, including Global and RFA, the companies Mey sued. Investigators said the heart of the vast web was a company called Asset and Capital Management Group, but that the owners deliberately set up shell companies and changed those satellite names often to throw off consumers and investigators.
  
  From her small-town home base in Wheeling, Mey went after a debt collection empire that hounds people nationwide -- and won. But she still hasn't received any money. Three years ago, Mey said, a debt collector with a company called Reliant Financial Associates, or RFA, left a message implying that her house was in jeopardy if she didn't pay a debt. It is illegal for debt collectors to make empty threats about serving people with a lawsuit or seizing their home. And it was especially galling to Mey, who said she is debt-free. Millions of Americans are victims of such mistaken debtor identity, partly because of a new breed of collectors called "debt buyers." They purchase old debts for pennies that the original creditors have given up on and then try to collect them for a big profit. Critics say debt buyers sometimes use outrageous tactics to get the money where others have failed. RFA is a debt buyer. Mey wrote RFA a cease-and-desist letter, telling the company not to contact her anymore, and sent it by certified mail.
  
  You see, Mey has battled big companies over intrusive phone calls before. In 1999, she won a class action lawsuit against a major telemarketer whose salesmen kept calling people, even when asked to stop. People magazine named her one of the "Most Intriguing People of the Year." That's why Mey has recorded her phone calls ever since. Mey said it took her a year to find attorneys who would sue on her behalf. Wheeling lawyers Martin Sheehan and Patrick Cassidy took the case knowing they would probably never get paid. In May 2011, Mey sued RFA for harassment and illegal collection practices. That August, RFA's lawyer failed to show up in court, so Mey testified unopposed. The judge called RFA's actions "malicious". Ruled that all of the allegations were true.
  
  Postal records show exactly when RFA signed for it. Precisely 23 minutes later, Mey said, she started getting mysterious hang-up calls that showed up on her caller ID as coming from her local county government. Mey said she picked up another one with that same caller ID. The man on the line repeatedly called her a vulgar name for the female anatomy. He described violent sexual acts he would like to subject her to. Asked if she liked to be "gang banged" -- again all remarks that she caught on tape. The tape showed the verbal assault went on for nearly two minutes before the man hung up.
  
  The verbal assault went on for nearly two minutes before the man hung up. Mey said she immediately called 911 to report that someone had threatened to sexually assault her. She was terrified, she said, because she believed the call was from a local number. Mey then bolted the door, she said, and got her husband's gun out of the dresser and hung it on the bedpost in her bedroom. At the time, Mey said, she didn't make a connection between that call and the collectors. But then she learned the call hadn't come from the local sheriff's office, after all. The caller ID had been manipulated to look like it did, a practice called "spoofing," later proven in Mey's case through phone records. That's when she went online and discovered complaints about RFA debt collectors pretending to call from sheriff's offices, including a male collector who called women vulgar names.
  
  And then he awarded that record judgment of $10,860,000. When ABC's "The Lookout" went to RFA's Orange County, Calif., office to ask about the case, it was abandoned. RFA is an arm of a company called Global AG LLC. Records show it is just one of several collection companies run by the same people that often change names and move. Mey's suit, but employees refused to talk and asked us to leave. ABC News contacted RFA's original lawyer last year, who said he was speaking on behalf of company principals Thai Han, Jim Phelps and Stewart Phillips. He characterized the $10 million judgment as "unfair." That lawyer no longer represents RFA, Global or its owners. At the time, the lawyer told ABC News that RFA made the first collection call to Mey, but denied making the second, obscene call. However, Mey's attorneys had proof. They subpoenaed phone records that showed the obscene call originated at the debt collectors' offices, went through a service that faked the sheriff's number, and then arrived at Diana's house. The collectors now have new lawyers, and ABC News contacted them, but some didn't return our calls and others declined to comment.
  
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• Comment Link Wednesday, 15 June 2022 17:10 posted by CurtisSaink

  And with the FCRA, negative events stay on the report for a maximum of 10 years. Some of the most common mistakes include information from someone else with the same name being filed with your report or a closed credit account listed as open on your report. The FCRA has an established procedure for reporting, investigating and correcting errors. If you suspect identity theft, a fraud alert can be placed on your account at the big three CRAs. The alert can last from 90 days up to seven years. While the alert is active, any applications for credit under your name require phone confirmation through a number you provide. When you place a fraud alert, you're entitled to two free copies of your credit report during the next 12 months. No merchant receipts can contain your entire credit card number. Expiration date -- only the last four digits of the number.
  
  Banks and other lenders decide whether to extend credit -- and at what interest rate -- based largely on the credit information provided by the CRAs. That's why credit reports. CRAs are so powerful. A negative credit event, like a foreclosure or bankruptcy, can stay on your credit report for up to 10 years, crippling your ability to receive new credit. Since CRAs play such a pivotal role in the credit process, the United States government has established rules mandating what credit information can be collected and with whom it can be shared. These rules make up the basis of the Fair Credit Reporting Act, or the FCRA. In this article, we'll learn what life was like for borrowers before the FCRA and come to understand your rights regarding your credit report under this important law.
  
  And, no mailed documents can contain your entire social security number. All copies of consumer credit reports must also be properly destroyed after use. Victims of identity theft have the right to copies of all credit. Loan applications that were fraudulently made in their names. Medical and health information is protected by the FCRA. No credit report containing medical information can be shared with creditors, particularly insurers, without your written permission. As private companies, CRAs sell consumer information for affiliate marketing purposes. That's why you receive letters from credit card companies saying you're preapproved for their cards. The FCRA and FACTA let you to opt out of these prescreening offers and remove your name from affiliate marketing lists by calling 1-888-5-OPTOUT. This number is also included on all prescreening credit card and insurance offers. The FCRA is designed to protect your credit, and you should be aware of your rights.
  
  Let's start by looking back at a time when CRAs answered to no one. Credit reports were hidden from consumers. But selling goods over long distances usually requires payment in the form of credit. These early CRAs were loose organizations of local merchants. Banks that shared credit information about their clients. In those days, the lenders actually knew the people to whom they were giving loans. Therefore, credit was extended or denied on the basis of personal trust. But as banks and businesses went national and began to extend credit to borrowers across the country, a market grew for fast, reliable credit information.
  
  Former Treasury Secretary John Snow steps off the stage after delivering a speech about the Bush administration's proposed changes to the Fair Credit Reporting Act. The world economy runs on credit. Most people could never buy a car, own a house, or pay for a college education if they couldn't apply for a loan or mortgage from a bank or other credit lending institution. These lending institutions take a risk when they give a loan to a consumer. What if the borrower loses his job. Can't pay back the loan? What if he or she invests poorly in real estate. Has to declare bankruptcy? The only way a lending institution can calculate the risk of lending money to a consumer is to check that individual's credit report and credit score. In the United States, credit reporting is dominated by the "big three" national CRAs: Experian, TransUnion and Equifax. However, there are hundreds of smaller regional and specialty credit reporting agencies throughout the country. These credit reports contain records of all outstanding debts; payment history on credit cards, mortgages and other loans; defaulted payments and bankruptcy information and even public records pertaining to financial history. Credit scores are three-digit numbers -- ranging from 300 to 800 -- that are calculated using the information on a credit report.
  
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• Comment Link Wednesday, 15 June 2022 17:10 posted by CurtisSaink

  This letter, however, only applies to debt collectors who are working for the company which was first owed the debt. Any cease and desist letter should be sent by certified mail. This will also constitute proof that the letter was sent. Received in any legal action for FDCPA violations. Many times, people who recently changed their telephone numbers receive calls from debt collectors attempting to reach an earlier owner of that number. Telling the collector that they reached the number does not always stop them from calling, however. A cease and desist letter may be needed. You should not admit to the debt in the letter but tell the debt collector to stop calling that number. If the calls continue after this letter is sent, you should report the caller to the Indiana Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. Debt collectors may also contact you to try to locate another person such as your friend or relative. This occurs when they received information about you in their background check of the debtor. Debt collectors are legally permitted to contact a person, who is not the debtor, to obtain a phone number, address and employment information. But they make only one of these contacts.
  
  They cannot make repeated calls or call at any time that you said was inconvenient. FDCPA allows you to hang up on debt collectors. They have no recourse if you refuse to take their calls. Collectors violate FDCPA if they continue to call you. You can ask debt collectors to stop calling by requesting further communications in writing. Then, they are required to send letters. This helps document everything that was said. Can be evidence in a lawsuit against a debt collector for any FDCPA violations. You may also send a cease and desist letter to the collector or their agency stating that they should cease and desist from further communication with you.
  
  Cannot disclose information about the debt. It is illegal if they still contact you for more information after you told the collector what you knew. Debt collectors may contact the debtor’s attorney, spouse and, if the debtor is a minor, their parent or guardian. These calls must stop, however, if a cease and desist letter is sent to the collector. A collection agency can send one more letter after it receives a cease and letter. But the letter must be limited to informing you that there will be no more additional efforts to collect the debt, that the debt collector may undertake certain actions or that it will take specific actions. It is important to keep copies of the cease and desist letter and its certified mail receipt. These may be evidence that the debt collector violated FDCPA by sending illegal letters. An attorney may help you take legal action against collection agencies that violate FDCPA and other laws. They can also provide options, such as Chapter 7 bankruptcy, when debt becomes insurmountable and you need a fresh financial start.
  
  Dealing with debt is difficult enough without having to getting calls from debt collectors. A bankruptcy filing provides some protection against debt collectors and collection agencies. But every consumer has other rights to prevent debt collector calls without undergoing this serious legal step. The Fair Debt Collection Practices Act is a federal law that governs debt collection. FDCPA sets forth what debt collectors can do and prohibited acts. Collectors cannot call consumers about debts they do not owe. When they first call, you can ask then to verify that the debt is yours. If the debt collector is unable to present verification, they must stop contacting you. Even without a verification request, debt collectors must comply with certain rules when making these phone calls. Among other things, they may not call consumers before 8:00 am or after 9:00 pm your time.
  
  Learned that the original creditor of this alleged debt was a bank with whom he had never done business. Singh called the New York City Marshal’s office and learned that the original creditor of this alleged debt was a bank with whom he had never done business. Mr. Singh then quickly checked his credit reports. Found no evidence of either the original creditor or the judgment appearing on his credit report. Singh then quickly checked his credit reports and found no evidence of either the original creditor or the judgment appearing on his credit report. Now, because of a debt collector’s sloppy work, Mr. Singh must take several days off work and seek legal counsel to avoid garnishments that could push his family into poverty. U.S. PIRG Education Fund that analyze the complaints in the CFPB’s public Consumer Complaints Database.
  
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  - https://nocollectioncalls.com
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• Comment Link Wednesday, 15 June 2022 17:10 posted by CurtisSaink

  Can you help me file a No Fee Lawsuit against Assigned Credit Solutions? In March 2017 , in United States District Court for the District of New Jersey, a judge issued a Memorandum Opinion in a case alleging Assigned Credit Solutions had violated the FDCPA. In this case, the plaintiff claimed that after incurring consumer debt and defaulting on repayment, she was contacted by ACS and agreed to terms of repayment. She alleged that she had been making regular payments as agreed, but within a year, ACS representatives “began calling her to demand larger payments.” The plaintiff told the ACS representatives that she“could not do so” and claimed that ACS had “exceeded the bounds of the FDPCA in its efforts to collect an alleged consumer debt by… The plaintiff filed her complaint in September 2015. Assigned Credit Solutions failed to respond, so the clerk of the court entered a default judgement in favor of the plaintiff. The plaintiff asked the court to issue a decision about awards for damages as result of the default judgement.
  
  He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. I refused to verify anything. Can you handle the enforcement of a breached severance agreement? Write a comment below to share online. Or, instead you can send a secure message to our legal team. Email is required to block spam, but will not be published. Please select your star rating. Your author What’s your name? Your email What’s your email address? Your phone What’s your phone number? Want to know if you could sue? Get free legal evaluation Lemberg Law?
  
  The court agreed that ACS’s conduct violated the FDCPA’s prohibitions against “repeated harassing telephone calls”;“threats to take legal action”; “any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt”; “using any false, deceptive, or misleading representations or means in connection with the collection of a debt”; and the use of any “unfair or unconscionable means” in an effort to collect a debt. The court stated “that the unchallenged facts of the Complaint demonstrate her entitlement to entry of judgment against ACS in the amount of statutory damages, plus reasonable attorneys’ fees and costs, because her allegations reflect that ACS’s collections-related conduct violated numerous sections of the FDCPA.” Furthermore, because the plaintiff’s complaint was filed according to the rules of the court, and because ACS had failed to offer any defense or participate in the resolution of the complaint, the court agreed to issue a default judgment in favor of the plaintiff. As a result, she was awarded $1,000 in statutory damages for violations of the FDCPA, plus court costs and attorney’s fees. Assigned Credit Solutions Calling You? Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
  
  Who is Assigned Credit Solutions ACS? Is Assigned Credit Solutions ACS a Scam? Can Assigned Credit Solutions ACS garnish your wages? Assigned Credit Solutions ACS Calling? What is Assigned Credit Solutions - ACS? Assigned Credit Solutions , Inc. (ACS) is a third-party collection agency based in New Jersey. ACS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to verify debts and attempting to collect debts not owed. If ACS has contacted you about past due collection items, make sure you understand your rights before you take action. Our services are absolutely FREE to you. The harassing company pays our fees. Is Assigned Credit Solutions a scam?
  
  The BBB has closed 3 complaints against Assigned Credit Solutions in the past three years, none of them in the previous 12 months. Justia lists at least 5 cases of civil litigation involving ACS. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today! Unlawful Debt Harassment? Learn the Law & Sue the Collector.
  
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  - https://nocollectioncalls.com
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