Creditor Harassment

06 Mar After Bankruptcy Filing, Beware of Phony Debt Collectors Who Threaten Arrest!

Folks frequently come in to talk about bankruptcy and are very concerned that an arrest warrant may be issued as they haven't paid their debts -- either before filing bankruptcy or even after filing for bankruptcy. They have heard about phone calls or emails from debt collectors (or have even gotten those kind of threats) where the debt collector, usually one with a heavy accent, threatens immediate arrest for non-payment of a debt. This debt is usually an old payday loan or small debt that the debtor may have long forgotten. These phone calls are intimidating and threatening. However, arrest is unlikely in most circumstances says Jonathan Ginsberg, Atlanta bankruptcy attorney.
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05 Oct Obama 2011 Jobs Bill Authorizes Collection “Robo Calls” to Your Cell Phone

The Associated Press reports that the Obama Administration wants to legalize the use of "robo calls" - auto dialers and recorded messages - to cell phones by debt collectors seeking to recover student loans and other debts owed to the federal government. Under a proposal included at page 28 of the president's September, 2011 Jobs bill, federal employees and private debt collectors working on behalf of the federal government would be empowered to call a debtor's cell phone without first obtaining permission and without regard to any "do not call" list.
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26 Sep Bankruptcy and Identity Theft: Protect Your Confidential Data

Bankruptcy and identity theft? How can this be an issue if someone is discharging debt? There are debtors who file for bankruptcy protection due to someone having stolen their identity. There are bankruptcy debtors whose identity is stolen and the thief files for bankruptcy. Then, there are those folks who worry about their identity being stolen while in bankruptcy due to creditor's who treat confidential information casually. When creditors release confidential data in public records, identity theft risk increases dramatically. What can the average person do to protect themselves, whether in or out of bankruptcy court?

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31 Jul Consumer Wins Big FDCPA Verdict!

InsideARM, a accountsreceivablemanagement blog reported today that during the past week, a consumer was awardeda $1.26 Million verdict in a Fair Debt Collection Practices Act (FDCPA) lawsuit in New Mexico. The consumer, a "Lucinda Yazzie", had brought the lawsuit after the debt collector had attempted twice to garnish wages for a debt that the consumer had disputed with the debt collector.
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