Blog

Just Because the Statute of Limitations has passed on debt it doesnt mean debt collectors will stop trying to get you to pay! Time-barred debts also known as Zombie Debt are debts for which the statute of limitations has passed.  What this means is that a lawsuit cannot legally be filed against you if the […]

Portfolio Recovery Associates was named one of the top ten most aggressive call spammers of 2011 according to a December 2011 article by White Pages.   Portfolio Recovery Associates is a junk debt buyer who calls, mails, and sues consumers across the country usually for charged-off or old credit card debts.  According to the article, the numbers most frequently associated […]

Become an Informed Consumer, Debt Collectors hate it…. Debt collectors hate informed consumers – they are the ones that can document violations and hold them accountable for their actions.  Unfortunately, the vast majority of consumers are not aware of the consumer laws in place to protect them and aren’t able to recognize those violations being […]

Unpaid Bills Land Some Debtors Behind Bars : NPR. This is a disturbing trend.  The fact of the matter is that in Georgia, as I would expect is the case in many other states, there is a manner by which people end up going to jail simply because they owed debts to some party. I […]

The Importance of Saving Dunning Letters from Debt Collectors A “dunning” letter is simply a payment demand letter from a debt collector. These letters simply bring about a feeling of anxiety and a concern about credit, lawsuits, or even more severe consequences depending on how vicious and unlawful the debt collector’s practices may be.  Naturally, […]

So what is a debt buyer? Debt buyer – Wikipedia, the free encyclopedia. In the context of debt collection and debt collection lawsuits, a debt buyer is a company, individual even a law firm who buys charged-off debts, usually for pennies on the dollar, and attempts to collect the full face value of the debt.  For example, […]

Officials Raid Collection Agency, Arrest Three. There are people in this world who seek nothing more than to steal what is yours and make it there own.  They are unscrupulous and resourceful. I can often be heard discussing how debt collectors and debt buyers violate federal and state law.  I can also be heard saying […]

Frequently Asked Questions about Third Party Debt Collection Lawsuits - Should I file bankruptcy? What if I cant afford an attorney? Should I call the debt collection law firm and settle?

3rd Party Junk Debt Collection Lawsuits are filed by the thousands against consumers, clog the courts and are often filed by Midland Funding, LVNV, Gemini Capital, Portfolio Recovery and many more with little more no documentation of the underlying debt.

This is good news.  It should also not be considered a deviation from the traditional analysis that most courts are to routinely apply to cases that come before them.  To the misfortune of many unsuspecting consumers, many courts are quick to dispense with concerns of hearsay, unreliable evidence, bogus affidavits, “robo-signers,” or a myriad of […]