IF A DEBT COLLECTOR WON’T STOP CALLING….YOU CAN RING HIS BELL UNDER THE TELEPHONE CONSUMER PROTECTION ACT.

Frustrated Man

Mr. Urbanski has filed a complaint in the US District Court for Middle District of Florida alleging that Enhanced Recovery has called him approximately 150 times on his cellphone.  If Enhanced Recovery did not have Urbanski’ s permission to call … Continue reading

What steps you must take if you have been a victim of identity theft

When your identity has been stolen, you should not expect much sympathy, let alone help, from the banks and other lenders. When you open your account with your bank, you are a valued customer. When you want to incur debt, … Continue reading

Has the Michigan Legislature mistakenly hurt consumers while attempting to protect them?

Payday Loan Companies (“PLCs”) have a place in the financial food chain in our society. While they are akin to bottom feeders due to the high interest rates that they extort from necessitous borrowers, the fact remains that they are … Continue reading

FTC hits collection agency with largest penalty in history

For the past few years, I have been blogging on how collection agencies have been spiraling out of control. Late last year, the FTC assessed the largest penalty it ever has against a collection agency for harassing and intimidating debtors. … Continue reading

Why suing on purchased debt is rarely successful.

A recent speaker at the Michigan Institute of Continuing Legal Education had talked about suing on purchased debt. He said that a debt buyer does not have to produce a witness from the originating creditor in order to prove his … Continue reading

Payday Loans are risky business for both borrower and lender

In the good ol’ days, when someone bounced a check on you in Michigan, you could sue for 3 times the amount of the check plus $250 in costs. See MCL 600.2952. While most of us in Michigan still enjoy … Continue reading

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