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FDCPA and Bill Collectors: How To Make Them Stop Harassing You

2017-01-20T00:06:01-05:00

The Fair Debt Collection Practices Act (or FDCPA) requires certain proper behavior for debt collectors and debt buyers. You are not supposed to be harassed over your debt. How many times a day does that bill collector call you?  Once, three, five, over ten times a day? Have you stopped answering the phone at all because they won't leave you alone? Debt collector laws most often appear in my practice after the filing of a bankruptcy. [...]

FDCPA and Bill Collectors: How To Make Them Stop Harassing You2017-01-20T00:06:01-05:00

Credit Card Lawsuits, Debt Settlement, and Other Updates

2017-01-20T00:06:01-05:00

I have blogged in the past regarding credit card debt lawsuits and debt settlement.  A recent article in the Sun Sentinel shows that credit card companies and debt buyers are trying harder to collect. Small claims courts in Broward and Palm Beach counties are reporting a spike in the number of cases against debtors, who typically owe between $2,000 to $4,000. Some judges say they are handling more than 25 such cases a week, compared [...]

Credit Card Lawsuits, Debt Settlement, and Other Updates2017-01-20T00:06:01-05:00

Can I Go to Jail If I Don’t Pay My Debts?

2017-01-20T00:06:01-05:00

Many people think they can go to jail (debtor's prison) for not paying their debts. This is not true. It is your right to ignore a lawsuit, if you want to – up to a certain point. I don’t think that is a very good strategy, but it is your right. If for whatever reason you don’t want to fight a lawsuit against you, it can be ignored. But a judgment will likely be entered [...]

Can I Go to Jail If I Don’t Pay My Debts?2017-01-20T00:06:01-05:00

Transferring Assets and Bankruptcy – Like Oil and Water, They Don’t Mix Well

2017-01-20T00:06:01-05:00

Never, ever transfer an asset prior to filing bankruptcy - or definitely not before talking to me. Transferring the title to your Harley to your cousin Mike or your boat to your best friend Bob does not protect the asset from the trustee. Likely, you made it impossible for me to help you keep it. Sometimes it is referred to as a "fraudulent conveyance". This can me one of two things, or both. First, a debtor [...]

Transferring Assets and Bankruptcy – Like Oil and Water, They Don’t Mix Well2017-01-20T00:06:01-05:00

Driver’s License Suspension? Bankruptcy May Help!

2017-01-20T00:06:01-05:00

Can you imagine life without a driver's license?  Maybe yours has already been suspended? Well, bankruptcy may be able to help you keep your driver's license, or help you get your driver's license back if it has already been suspended. The most common situation is when someone does not have insurance and gets into an accident. When that person is not able to pay the judgment, the insurance company for the other driver will usually [...]

Driver’s License Suspension? Bankruptcy May Help!2017-01-20T00:06:01-05:00

Bankruptcy: A Wage Deduction Is A Good Thing!

2013-12-19T12:50:34-05:00

No, I am not talking about when a creditor is taking money out of your paycheck. That is definitely not a good thing. A wage deduction order is having your employer automatically take a portion of your paycheck to the trustee for your monthly chapter 13 plan payment. This means you don't have to worry about saving a portion of each paycheck. No more hassles running to the bank to get a cashiers check or [...]

Bankruptcy: A Wage Deduction Is A Good Thing!2013-12-19T12:50:34-05:00