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Receiving Unwanted Telemarketing Calls?: Place Your Name on the Do-Not-Call Registry

Adam J Krohn / Posted: 2014-04-09 1:08 pm
In 1991 Congress passed the Telephone Consumer Protection Act (TCPA) to respond to the concerns of consumers over the growing number of unsolicited telemarketing calls made to their homes, as well as the increased use of automated and prerecorded messages. Rules were adopted by the Federal Communications Commission (FCC), requiring that anyone making telephone solicitation calls to a person’s home provide

Debt Buyers not Licensed in Illinois Can Have Third Party Collectors Attempt to Collect for them within the State

Adam J Krohn / Posted: 2014-03-20 12:08 pm
Last February, the Illinois Court of Appeals, Second Division, upheld a ruling that a debt collection law firm that filed a collection suit on the behalf of a debt buyer that was not licensed in Illinois did not violate the Fair Debt Collection Practices Act (FDCPA).

Is a Debt Collector Attempting to Collect Multiple Debts From You?

Adam J Krohn / Posted: 2014-03-12 11:39 am
Oftentimes, consumers are intimidated by debt collectors into paying debts even when they are unable to realistically afford to make those payments. In these cases, uninformed consumers will often agree to pay on debts that have been inflated or are unenforceable because the statute of limitations has expired.

Fourth Circuit Holds that Debtors are Permitted by the FDCPA to Orally Dispute Debts

Adam J Krohn / Posted: 2014-03-05 12:11 pm
Under the Fair Debt Collection Practices Act (FDCPA) Section 1692g(a)(3), a debt collector is required to send a debt notice to consumers from whom it is attempting to collect. With regards to disputing a debt, the notice must state that “unless the consumer, within 30 days after receipt of the notice disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

Are Creditors Calling you at Work?: If you Tell the Creditor not to They are Violating the Law

Adam J Krohn / Posted: 2014-02-26 11:42 am
Federal law has ways of protecting consumers from dealing with telephone calls at work from creditors and debt collectors. This right to not receive debt collection calls at work can be exercised in two different ways, depending on who is calling the consumer.

How the TCPA Applies to Unwanted Emails and Text Messages

Adam J Krohn / Posted: 2014-01-30 11:52 am
Unwanted text messages and emails can be very annoying. These unwanted texts to mobile phones and other mobile devices can be intrusive and costly to the recipient. The Telephone Consumer Protection Act (TCPA) addresses problem of text message spam.

An Overview of the Telephone Consumer Protection Act

Adam J Krohn / Posted: 2014-01-22 1:19 pm
The Telephone Consumer Protection Act (TCPA) was passed by Congress in 1991 as an attempt to end annoying prerecorded telemarketing calls. Under the TCPA, the Federal Communications Commission (FCC) was granted the authority to develop and implement regulations that pertain to the TCPA.

Validation of Debt Under the Fair Debt Collection Practices Act

Adam J Krohn / Posted: 2014-01-15 1:06 pm
When a consumer is contacted by a debt collector that consumer is entitled to request certain basic information. This is especially useful if the consumer does not believe that they owe the debt. Debt validation is a consumer’s right under the Fair Debt Collection Practices Act (FDCPA) 15 USC Section 1692g to force the debt collector to prove that the consumer owes the debt.

How Consumers can be Contacted: Protections and Purpose of The Fair Debt Collection Practices Act Explained

Adam J Krohn / Posted: 2014-01-07 2:27 pm
The Fair Debt Collection Practices Act (FDCPA) was designed with the intention of eliminating abusive, deceptive, and unfair debt collection practices. In addition it protects debt collectors who are reputable from unfair competition while also encouraging consistent action by the state to protect consumers from debt collection abuses

Mims v. Arrow Financial Services, LLC: Lawsuits Stemming from Automated Phone Calls Can be Brought in Federal or State Courts

Adam J Krohn / Posted: 2013-12-17 1:39 pm
The Telephone Consumer Protection Act (TCPA) was in enacted in 1991 in response to consumer complaints about the abuses of telephone technology. It was determined by Congress that because telemarketers were escaping state prohibitions on nuisance calls, federal legislation was necessary.

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