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Creditors, Collection Companies and the Credit Reporting Agencies (CRA) violate the Fair Debt Collection Practices Act in many ways.  A few common violations are furnishing and reporting inaccurate information, mixing up files, failing to follow debt dispute procedures or obtaining a credit report for impermissible purposes.   Furnishing and Reporting Old or Inaccurate Information CRAs…

How to File a Claim of Exemption   Receiving a notice of Garnishments from your employer or a letter from the bank regarding a lien can be a frightening thing. Whether you knew this was coming or not, there is action you can take.   First step is to calm down, and find some time…

Medical expenses, job loss, and divorce are the leading causes of bankruptcy. If you are in financial turmoil dealing with wage garnishments or bank levies, bankruptcy may be the right option for you. Our knowledgeable attorneys can debunk common bankruptcy myths and take the fear out of its process. Myth # 1: You will lose…

One of the primary (and highly illegal) tactics utilized by debt collectors when collecting upon debts is to contact consumers directly at their place of employment.  Debt collectors understand that consumers, in an effort to (1) not lose their job; and (2) get the debt collector to stop contacting them at work, will routinely pay…

TCPA Robo-Call Ever receive what is commonly termed a “robo-call” to your cellular telephone?  Likely you have.  More and more consumers are receiving unsolicited pre-recorded telephone calls placed to their cellular telephones.  These obnoxious calls have increased over the past few years as a direct result of the decrease in the cost to place such…