Mini-TCPAs Enacted by California State Legislatures

Communication technology is part of practically everyone’s daily life. The issue of consumer privacy and protection against unsolicited calls has caught the attention of lawmakers...

How to Settle a Debt in California

According to the latest figures, 32 percent of Americans have at least one account in collections. Moreover, there are $153 billion in outstanding collection balances...

What You Need to Know About Collection Demand Letters

Receiving a collection demand letter can be a stressful and confusing experience. These letters are a serious matter, signifying that a creditor or collection agency...

What Can You Do When a Commercial Debt Collection Agency Threatens Your Business?

When a commercial debt collection agency threatens your business, it can feel like a dark cloud is about to pour rain on your company, which...

Your Credit Reporting Rights as a California Consumer

Californians have a powerful credit reporting ally. Enacted to safeguard consumer’s credit reports, the Fair Credit Reporting Act (FCRA) establishes a legal framework to ensure...

What Debt Is NOT Covered by FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a shield against unfair debt collection practices, but it has its limitations. In addition to exploring FDCPA...

How Many Calls From a Debt Collector Are Considered Harassment?

Debt collectors will buy your debt entirely for pennies on the dollar, or they may collect for the original creditor for a contingency fee. The...

What Is the Statute of Limitations on Credit Card Debt

Once you incur a debt, repayment is the only matter in your hands that you still control. After a time, however, you may not owe...

Does TCPA Apply to Text Messages?

Unwanted text messages to your phone can annoy you. You may automatically check your phone when you get a text message notification. Some people will...

How to File an FDCPA Complaint

Debt collectors are one of the most heavily regulated industries, and for good reason. This industry racks up more complaints of fraud and other abuses...