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What is the statute of limitations on a credit card debt in Georgia? The short answer to this question is six years. The Court of Appeals of Georgia determined that credit card agreements are contractual obligations and Georgia law provides a six year statute of limitations on lawsuits based upon contracts. This means that starting with the date […]
Many individuals contact my firm with confusion as to why they are being pursued for a debt that was charged off by the original creditor. Often times, the charged off debt for which they are being pursued is by a debt buyer who purchased the debt from the original creditor or another debt buyer. Just […]
A while back, the Association of Credit and Collection Professionals, or ACA International, released an article dispelling myths about consumer debt collection. Read the article here. The article addresses four “Myths” regarding debt collection. Of course, the smart consumer must consider the source of the information as well as the motives at work in this “public service […]
The FREE Consumer Education clinic on Debt Collection sponsored by the DeKalb Volunteer Lawyers Foundation has proven to be quite a success. Since March 2012, volunteer lawyers have held the debt collection clinic numerous times. The free clinic is held approximately two times per month on select tuesdays (see flyer for upcoming dates) from 5:30pm-7:00pm at the DeKalb County Library – Decatur Branch located […]
When speaking with a debt collector on the phone, DON’T be your own worst enemy! Debt Collectors and their attorneys can often get some of the most useful and destructive information from the consumer himself or herself. Debt Collectors are trained in how to get personal information, such as dates of birth, social security […]
It is refreshing when debt collectors are held liable for their violations of consumer debt protection laws, but these consequences are often not enough to deter big debt collection companies from breaking the law to see bigger profits. It is not everyday that debt collectors who engage in unlawful activity are held accountable for their […]
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 […]
Caller ID and Spoofing | FCC.gov. Finally, we have some small teeth in a law to discourage clear, unambiguous fraud. This type of activity is not just immoral, but clearly in violation of federal (and perhaps many states’ law). As always, any consumer’s best protection against fraudulent activity is the consumer’s own vigilance and skepticism, […]
Remember, the law office that has filed suit on behalf of their client against you is looking out for their client’s best interest, not yours. Why should I hire a lawyer if I can work something out with them myself? Sometimes the opposing party’s lawyer will negotiate a settlement on behalf of their client and […]