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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.

Adam J Krohn / Posted: 2013-12-11 11:40 am
Under the Fair Debt Collection Practices Act (FDCPA) civil liability is imposed on debt collectors who engage in prohibited debt collection practices. It is an important Act that every consumer should be aware of; for an overview of the FDCPA, please click here. The FDCPA does not impose this liability on all creditors.

Adam J Krohn / Posted: 2013-11-27 12:24 pm
The purpose of the Fair Debt Collection Practices Act (FDCPA) is to stop debt collection practices that are abusive and to protect the consumer. Under the FDCPA, 15 USC Section 1692d, debt collectors cannot engage in conduct that is meant to harass, oppress, or abuse a person when attempting to collect a debt. More specifically, debt collectors cannot under this section.

Adam J Krohn / Posted: 2013-11-18 11:13 am
Many people have bad experiences with debt collectors and the Consumer Financial Protection Bureau (CFPB) wants to hear about them. They are preparing to update the rules that govern how debt collectors communicate with borrowers and they are seeking information from both debt collection companies and consumer advocates to help them prepare the new rules. Their goal is to better protect consumers while not limiting legitimate debt collection activities.

Adam J Krohn / Posted: 2013-11-05 12:22 pm
How information is supplied to the three credit reporting agencies is governed by the Fair Credit Reporting Act (FCRA). However, the law does not say that lenders are required to report any information to them. Major banks generally do report information to all the credit bureaus. Credit unions and small local or regional banks may only report to one or two, but generally not all three. There are also some lenders and others who do not report to any credit bureau.

Adam J Krohn / Posted: 2013-10-23 11:38 am
When a loved one dies it can be difficult to cope, not only with the death but also with the added pressure of creditors who call to collect debts. You may question whether the debt collector can collect on the debt from family members. The answer to that question depends on several factors. Our experienced Fair Debt Collection Practices Act (FDCPA) attorneys at the Consumer Law Center explain these various factors.

Adam J Krohn / Posted: 2013-10-17 5:33 pm
Last year the Federal Communications Commission (FCC) adopted several very significant changes to the Telephone Consumer Protection Act (TCPA). The changes to the regulations will become effective on October 16, 2013. Two of the changes include:

Adam J Krohn / Posted: 2013-10-08 1:49 pm
On September 25, 2013 the Federal Trade Commission (FTC) settled its first case that involved text messages under the Fair Debt Collection Practices Act.

Adam J Krohn / Posted: 2013-10-04 10:53 am
In the first Federal Trade Commission (FTC) action against a debt collector who used text messaging in their efforts to collect debts in an unlawful manner, the California based collector will pay $1 million to settle the charges that they violated federal law.

Adam J Krohn / Posted: 2013-09-26 12:52 pm
The Better Business Bureau (BBB) has recently issued an alert about the growing number of complaints about scam debt collectors over the past year. The BBB also advised consumers to learn about how to determine what is a legitimate debt collection effort and what is a scam.

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