Fair Debt Collection Practices Act

Fair Debt Collection Practices Act Terms Defined. What is a "Debt Collector”?

by Kevin Gipson, New Orleans Bankruptcy Attorney

What is a Debt Collector? The Fair Debt Collection Practices Act (FDCPA) defines the term “Debt Collector”  to include ”…any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, [...]

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What Exactly Can A Debt Collector Say To Your Relative Or Neighbor?

by Karen Oakes, Southern Oregon Bankruptcy Attorney

Debtors come in my office saying that a Debt Collector is calling their mother, their grown siblings, or their neighbor, trying to (1) get the Debtor to call the Debt Collector back or (2) to get an address for them. The Debtor feels harassed and embarrassed. Guess what?!? That is exactly what the Debt Collector [...]

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Bankruptcy : Why Do I Need To Save My Papers?

by Eugene S. Melchionne, Connecticut Bankruptcy Lawyer

You need your bankruptcy papers are a shield against future collection actions for discharged debt.  The answer is a simple phrase: “zombie debt”.  Zombie debt is the phenomenon of old and discharged debt being revived by debt buyers and debt collectors long after the debt has been rendered uncollectible. Check out Zombie Debt Haunts the Discharged [...]

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