News Topic: Creditor Harassment

Credit cards file lawsuits to show they’re upset and they miss your payment.  If they win, they have a judgment against you.  It’s not unusual for debt collectors to say bankruptcy doesn’t “work” then.  They’re wrong! ... Read full article

Consumer protection lawyers like me are wrongfully trained to hate all debt collectors. ... Read full article

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Bankruptcy Stops Wage Garnishment The minute a bankruptcy cases filed,an injunction called the automatic stay is issued, which prohibits creditors from trying to collect on debts that were included in the bankruptcy. The Ninth Circuit Court of Appeals has ... Read full article

Debt Collectors Cannot Use False or Misleading Statements to Collect a Debt Under the Fair Debt Collection Practices Act (FDCPA), a debt collector is prohibited from using false or misleading statements in order to collect a debt. A new decision out of the ... Read full article

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You’ve done your best to keep your head above water, managed your debt to the best of your ability and finally come to the realization that it is time to declare bankruptcy and get a new start for you and your family. One of the first decisions that ... Read full article

Debt Collectors Offering Credit Cards With a Catch… Just when you thought debt collectors couldn’t get any lower, that they couldn’t be any more obnoxious or unethical, they started offering credit cards in exchange for paying expired debt. Yes, you read ... Read full article

When you are considering bankruptcy, you have often been behind on payments for months.  You have run up credit card debt, and missed payments on your car and mortgage.  And now, perhaps your lender is threatening to repossess your car.  What are your ... Read full article

When credit card debt goes bad, banks sometimes sell it to vulture investors at a steep discount.  The vulture debt buyer then often tries to sue on the account to collect more than they paid.   And their lawsuits are often the final straw forcing folks ... Read full article

Wells Fargo Freezing Accounts of Bankruptcy Debtors For years, Wells Fargo has taken an unusual and sometimes unpopular stance with regard to the bank account funds that bankruptcy filers have at their branches.  Every evening, Wells Fargo checks the ... Read full article

The Automatic Stay in Bankruptcy Those who find themselves struggling financially are often the unfortunate victims of creditor harassment and incessant phone calls. The calls can get so bad that families are often forced to leave their  phone off the hook ... Read full article

Bankruptcy Filings Lower in Tucson, Arizona and Phoenix, Arizona Than Last Year   Arizona bankruptcies have been declining in number for the last 9 months.   Statewide filings fell 23 percent in October of 2011, and overall bankruptcy filings are down 13 ... Read full article

No one enjoys repeated phone calls from mysterious numbers with voice messages containing the following: “we are calling to discuss an important business matter concerning [you!]” .  There are a few things to know when speaking to a debt collector that can ... Read full article

So you have been sued and are wondering what to do next.  The first thing aside from having a lawyer review the Complaint is to carefully read everything yourself and determine how long you have to file an Answer at the Courthouse to avoid a default ... Read full article

The now infamous debt collector with the fake court room has become a Chapter 13 bankruptcy debtor himself.  After facing a lawsuit by the Attorney General of Pennsylvania and a hospital upset for millions in possibly uncollectable debts because of his ... Read full article