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FDCPA: Debt Collectors Not Required to Verify a Debt Prior to Initial Contact

clock December 5, 2011 09:04 by author Missy Rogers
It's hard to believe that The Fair Debt Collection Practices Act ("FDCPA") has been around since 1978.  And it's even harder to believe that so many people still don't know what the Act does and doesn't permit and what it does and doesn't prohibit.  Misconceptions abound, not the least of which is that the Act requires a collector to inve... [More]

The Mobile Informational Call Act of 2011: What you need to know

clock October 25, 2011 11:51 by author Missy Rogers
HR 3035, a bill to amend several telephone communication acts, currently resides with the House Committee on Energy and Commerce. The bill, known as the Mobile Informational Call Act of 2011, would amend the Communications Act of 1934 and update the Telephone Consumer Protection Act. Of biggest impact in the proposed bill is legislation impacting&n... [More]

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For some time now, experts have criticized the ways in which the current credit system effectively locks tens of millions of Americans out of being able to borrow. This can ha
Many companies across the U.S. may use people's credit histories when it comes to determining all sorts of things, including eligibility and cost of borrowing. But sometimes,
At this point millions of Americans know full well that their credit history plays a major role in their everyday financial lives. It can determine everything from whether the