If you are receiving calls from a debt collector, you are likely receiving robocalls from a debt collector. Debt collectors frequently use autodialers, also known as robodialers, to contact consumers on their cellphones.
Here is what you need to know about robocalls from a debt collector, and why you should contact an attorney.
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In general, a spouse is not liable for another spouse’s debt. Marriage may be until death do you part, but that does not extend to every debt.
Many consumers simply assume that if a debt collector says they are responsible, that means they are. Spoiler alert: that is not always true. Here are a few examples where consumers are confused about potential liability.
Debt collectors are regulated in how they can collect debts from consumers. Collection calls to a cellphone are regulated under the Telephone Consumer Protection Act (TCPA).
If you are receiving calls from a debt collector on your cellphone, here is what you need to know.
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For a variety of reasons, consumers frequently find themselves contacted by debt collectors.
Maybe there was a family emergency, a spouse lost their job, or a debt collector is calling trying to locate someone else.
Regardless of why a debt collector is calling, it’s important for consumers to understand their rights against debt collectors.
[Read more…] about Harassed by Debt Collectors: Know Your Rights
The FDCPA regulates what debt collectors can and cannot do in their attempts to collect a debt.
Among other no-no’s, debt collectors cannot call you at work once they know it’s inconvenient, debt collectors cannot reveal your debt to third parties, and cannot mislead you about debts past the statute of limitations.
The FDCPA also prohibits excessive phone calls. And if you receive calls to your cellphone, the Telephone Consumer Protection Act provides additional protection.
[Read more…] about Robocalls, Automated Messages, and The Telephone Consumer Protection Act (TCPA)
Student loan debt is a hot topic that will likely only get hotter as the amount of student loan–currently over 1 trillion dollars–continues to rise.
The National Consumer Law Center recently published a report that criticizes the Department of Education and it’s contracted debt collection companies, saying that “the Department has created financial incentives for its contractors that encourage high collections at the expense of borrower rights.”