Tag Archives: Fair Debt Collection Practices Act

California’s top lawyer has filed a suit against JPMorgan Chase for fraudulent and unlawful debt collection practices. Attorney General Kamala Harris accused the lender of burying California courts in thousands of debt collection lawsuits without verifying the validity of the suits or even serving the defendants with court papers. The suit specifically alleges a widespread practice of robosigning — signing hundreds of pages of legal paperwork without reading them — in JPMorgan Chase’s credit card collection efforts. JPMorgan Chase was …

Discover Defrauds Customers, Must Pay $200 Million You may get calls from credit card companies asking whether you’d like to hear about additional products they offer. If you said yes to a call from Discover between December 2007 and August 2011, you may be in for a little extra cash. Discover has settled deceptive marketing charges brought by the FDIC. The bank was accused of tricking customers into paying for extra credit protection programs. Find Out More…   Avoid Defaulting …

Job Hunting with a Criminal Record There are 65 million adults in the United States with criminal arrest or conviction records. A criminal record can interfere with your ability to find and keep a job, particularly since 90 percent of U.S. employers perform criminal background checks on their job applicants. Is an old arrest or conviction hurting your job hunting? Find Out More…   Blue States Considering Stricter Gun Bans In the wake of a rash of rampage-style mass shootings, …

Outlawed in the United States in the 1830s, debtor’s prisons are somehow making a comeback now that regular folks are more vulnerable to financial trouble. Whether it’s inability to pay court fees as a criminal defendant or outstanding credit card debt, your unpaid debts can still land you in prison, even though the U.S. Supreme Court has said people cannot be imprisoned merely because they can’t pay up.   Deadly Circle of Debt “Everyone is facing tightening budgets in a …

Enduring debt collection can be a horrifying experience: calls all day, confusing and threatening letters and fear of legal action by creditors. Did you know that federal law regulates the practices of debt collectors? At least one U.S. senator doesn’t think it goes far enough and wants to expand its protections for consumers.   The Fair Debt Collection Practices Act “The FDCPA was first enacted in 1977 to protect consumers against what were viewed as abusive, deceptive and unfair debt …