Your Rights: The Original Creditor Versus A Debt Collector

Many people or for that matter most people do not understand the difference between an original creditor and a debt collector as far as their legal rights are concerned. Original creditors are not subject to the FDCPA but are subject to the FCRA. The Fair Debt Collection Practices Act was enacted to govern the conduct [...]

From Caveat Emptor: Finding A Consumer Attorney

How To Find a Consumer Attorney If You Are Sued On a Debt If someone sues you, you need to talk to an attorney. Unfortunately, when it comes to debt collection lawsuits, many lawyers are uninformed, as one of our commenters recently discovered. If you talk to a lawyer who starts by asking whether you [...]

The Big Gorilla In The Room For Debt Collectors

Most of the lawsuits brought by debt collectors against alleged debtors could be won by the defendants if they just would challenge the proof of assignment of the debt. In order for a suit to be successful the defendant must appear and answer the complaint against him (meaning her also). This is the first stumbling [...]