Most of us have debt.  When we fall behind on payment of those debts, a debt collector has the right to contact us in a reasonable attempt to collect the debt. When those attempts become unreasonable, resulting in harassment, it crosses the line established by the Fair Debt Collection Practices Act (FDCPA) in 1977. Abusive…

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You may owe the debt, but there are rules for collection.  Know your rights and you may be able to turn the tables on your creditors. The Fair Debt Collection Practices Act (FDCPA) makes abusive, unfair or deceptive collection practices illegal.  There are punitive fines that can be levied on abusive debt collectors.  The FTC…

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As consumers, we have been taught to NEVER click on the link in an email or text from an unfamiliar party.  That is good.  It saves many devices from hacks and viruses.  But why is the Consumer Financial Protection Bureau proposing debt collectors to be allowed to disclose people’s rights via text or email links…

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The consumer Financial Protection Bureau announced today that it will host a symposium on Behavioral Law and Economics at 9:00 am EDT on September 19, 2019.   Yay!  Let’s talk about money! Okay, seriously, even brilliant people seem to struggle with living within their means.  I would like to say this is everywhere, but specifically, Americans…

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Ever wonder why the gender and race boxes are on loan applications?  Whose business is it whether I am male or female, or which race or ethnic group I am part of?  It is your government’s business.  The Home Mortgage Disclosure Act, or HMDA was enacted in 1975 in order to protect against “redlining” (geographic…

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