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Articles Posted in Fair Debt Collection Practices Act (FDCPA)

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St Louis Bankruptcy Attorney: Can A Collection Agency Threaten Me?

ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7 BANKRUPTCY No, they cannot threaten you. With anything, at any time. But just because they are not supposed to make any sort of threats doesn’t mean that they will in fact obey the law. The United States Congress recognized long…

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St Louis Bankruptcy: Why Do Payday Loan Companies Charge Such High Interest Rates?

ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7 Because they can. And there is absolutely no law stopping them from putting an outrageous rate of interest on their loans. It may be immoral, but it’s not illegal. St Louis payday loan companies exist for one single goal: if…

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St Louis Bankruptcy: What Can I Do About Nasty Phone Calls From Creditors?

ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7 It depends on which kind of creditor is calling you. Is it the original creditor (like the hospital, credit card company, or payday loan giver), or is it a collection agency? Because the two types of creditors are treated differently…

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St Louis Bankruptcy: Can A Collection Agency Demand Payment From Me Within The First 30 Days Of Them Purchasing The Account?

ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7 No, they cannot. That would be described as “overshadowing”. When a collector takes over a debt, they have to provide you with thirty (30) days in which to dispute the validity of the debt. This means that no demand for…

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St Louis Bankruptcy: How Do I Stop Collection Agencies From Harassing Me?

IF A COLLECTION AGENCY IS VIOLATING YOUR RIGHTS, WE DON’T CHARGE ANY FEES TO GET IT STOPPED!! Collection agencies (sometimes referred to as “third party collectors”) can be relentless in their attempts to collect on a debt. But their tactics are not always lawful. In fact, very frequently a collection…

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St Louis Bankruptcy: Are There Any Rules Governing Collection Agencies?

ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7 BANKRUPTCY Yes, there are quite a few rules and regulations that govern collection agencies in this country. Specifically, they are regulated through the Fair Debt Collection Practices Act (FDCPA). This federal statute sets out the acceptable practices of the collection…

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