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What is Prohibited under the TCPA

Understanding Violations of the Telephone Consumer Protection Act In today’s digitally connected world, your phone is more than just a communication tool – it’s an...

Is it Illegal to Not Pay Your Debt?

Debt is a fact of life for many Americans. Whether it’s student loans, credit card balances, mortgages, or medical bills, owing money is an experience...

Fair Credit Reporting Act Debt Elimination

Using the FCRA to Eliminate Debt The Fair Credit Reporting Act (FCRA) provides a framework for correcting inaccuracies on your credit report.  When certain debts...

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...

How Do I File a TCPA Lawsuit?

You may get unwanted calls or texts from a telemarketer with whom you have no prior relationship. They are trying to sell you something, and...

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...

Does FDCPA Apply to Business Debt?

If you owe money and debt collectors contact you, consumer protections limit what they can do to collect. Several debt collection practices violate federal and...

FDCPA Verification of Debt Requirements

One tactic that debt collectors like to use to make money at your expense is trying to get you to pay money you do not...