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Tax Return Identity Theft

In recent years, there has been a large increase in tax refund fraud cases. Identity thieves file false tax returns using a victim’s social security number and personal information. Tax return information may appear legitimate, but the person filing it … Continue reading

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SLEAZY DEBT COLLECTOR AWARD GOES TO EQUITY EXPERTS.

Debt Collector

Equity Experts and its sleazy practices Equity Experts is a collection agency that focuses on collecting for condominium and homeowner associations.  As a debt collector, its practices fall far short of what a decent debt collector’s practices should be.   … Continue reading

WAS BANK OF AMERICA FORCED TO FORGIVE YOUR HOME EQUITY LOAN? THEY GOT THEIR REVENGE BY DAMAGING YOUR CREDIT!

Bank of America

In 2012, Bank of America reached a $16.65 billion settlement with the United States Department of Justice over its mortgage practices. If you had a home equity line of credit with Bank of America, you may have received a letter … Continue reading

Was your identity stolen by the recent Yahoo Hack?

Concept of secure server on touch screen

Yahoo was recently hacked and millions of identities were stolen.  Was yours?  If you are a Yahoo user and are unsure of whether you are a victim of identity theft, here are some tips for you to minimize any potential … Continue reading

Are those unsolicited text messages bugging you? We can turn them into gold!

Hysterical talk

Have you received unwanted text messages on your cell phone?  Those text messages may violate the Telephone Consumer Protection Act (TCPA).  In plain English, we may be able to get you compensation of between $500 and $1,500 per text message … Continue reading

How to stop the debt collector – Grinch from contacting you during the holiday.

Reading

Picture this:  A beautiful Christmas Eve with your family, a fire in the fireplace and Uncle Henry (everyone has one), doing his best to behave himself. Your home phone rings and it’s a debt collector.  Or, you might be spinning … Continue reading

Is your Smartphone stealing your identity?

Masked criminal stealing mobile phone payment information and passwords

Most Americans own a Smartphone.  We use Smartphones for everything from posting to social media to email and mobile banking.  Some of our most personal and private information is accessed and sometimes stored on our Smartphones.  While most Smartphones have … Continue reading

Prevent Identity Theft while Shopping

Identity Theft

As we approach the biggest shopping day of the year, it is important to remember that it is also a big day for thieves to cash in on unsuspecting victims.  Black Friday and Cyber Monday are big days for shoppers … Continue reading

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

9th Circuit holds that Trustee is not a debt collector when foreclosing on a Deed of Trust

Foreclosure Notice

The Fair Debt Collection Practices Act is a federal statute that protects consumers from debt collectors.  But just when is a debt collector NOT a debt collector under the FDCPA? The Ninth Circuit recently held that a trustee, foreclosing on … Continue reading

Congratulations to Mr. and Mrs. Spanovich for settling their case against BMO Harris

In a classic David v Goliath case, Mr. and Mrs. Spanovich sued BMO Harris Bank over a debt that was not their obligation.  Despite having sent dispute letters to Experian, Equifax and Trans Union informing them that they no longer … Continue reading

How the new FTC Identity Theft Report works…or not

Identity Theft

Identity theft is still one of the fastest growing problems in America.  It’s not showing any signs of slowing down.  As an identity theft attorney, I can tell you that most identity theft that we see happens with one family … Continue reading

Wells Fargo FINED $185 million for opening bogus accounts

We usually think of banks as conservative, upright corporate citizens simply doing their best to screw the public.  Far fetched?  Not today.  http://www.usatoday.com/story/money/2016/09/08/wells-fargo-fined-185m-over-unauthorized-accounts/90003212/ The Consumer Financial Protection Board has fined Wells Fargo $185 million for trying to boost up its demand … Continue reading

Credit Repair Professionals newest resource ACRED.info

If you are a credit repair professional, come join ACRED.info. It stands for “Attorneys and Credit Repair Experts Dialogue.” We work with credit clinics to teach them the law and best practices for helping consumers better their credit scores. Learn … Continue reading

Did Bank of America Forgive Your Loan and Screw Your Credit?

Bank Of America Letter to customer with name and date redacted.

Chances are that Bank of America has damaged your credit by reporting this debt as past due. This debt was forgiven. Bank of American should not be reporting anything outstanding since the debt was forgiven. We filed several lawsuits against … Continue reading

A single charge off is now multiple charge offs and they are killing your credit score.

The credit reporting agencies and lenders, in the last few years, have picked up a new trick designed to hurt you.  They are turning single charge offs into multiple charge offs.  They take a singular charge off and report it … Continue reading

5 things to look for when hiring Credit Repair Company

Credit Report

Credit repair companies have gotten a bum rap from just about everyone from Congress to states attorneys general to Yelp.  The industry has received these black eyes from some bad apples in the bunch, no doubt.  Unfortunately, these few had … Continue reading

How to keep safe from Identity Thieves

Identity Theft

Identity thieves are running rampant in the United States. They used to target individuals only, but in recent years, have set their goals much higher. Just ask Target, Blue Cross and even United State Department of Office of Personnel Management. … Continue reading

Breaking News – Michigan Consumer Credit Lawyers obtain Finding against Xerox Education Services for Willful Violation of the Fair Credit Reporting Act.

Credit Report

Michigan Consumer Credit Lawyers (“MCCL”) obtained a ruling against Xerox Educational Services in the case of Scharf v Xerox Education Services, (Docket no 5:14-cv-14322 USDC – Michigan) that it had willfully violated Ms. Scharf’s rights under the Fair Credit Reporting … Continue reading

How We Can Fix Your Credit For Free

We can get errors removed from your credit report for free. Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit for free. We will write the appropriate letter to the credit reporting agencies to … Continue reading

Is your credit repair company doing EVERYTHING it can to help you?

You should ask them and find out.  Ever since Experian has been sending out its “suspicious request” response letters, I have been flooded with calls and contacts from credit repair organizations around the country.  I have been telling people that … Continue reading

What Credit Repair Organizations should know about when credit reporting agencies may decline to investigate their dispute letters?

Credit repair organizations (“CROs”) have a pretty bad reputation.  Well, some of them do and it’s enough to really tarnish the entire industry.  Hell, Congress had to step in and create the Credit Repair Organization Act that severely regulated these … Continue reading

Experian is getting slammed with new law suits for refusing to investigate consumer disputes with “Suspicious Request” letters.

If  you have something on your credit report that does not belong to you, the Fair Credit Reporting Act requires you to send a dispute to the credit reporting agency, such as Experian, Equifax and Trans Union (“credit reporting agencies” or … Continue reading

Yes, the Telephone Consumer Protection Act protects all of us!

OK, so every now and then a runaway verdict makes headlines.  In this case, Time Warner cable is required to pay $230,000 to a consumer for making 153 robocalls to him.  This may be one such case or, may be … Continue reading

Got Junk Faxes? Get paid by the advertiser! They are probably near you.

Junk faxes are the bane of most businesses that have fax machines.  Heck, in my home fax was deluged with faxes from advertisers that I never asked for or wanted.  Enter the Telephone Consumer Protection Act (“TCPA”). The TCPA is … Continue reading

Payday Scammer finally has what he has coming to him….an Indictment

Adrian Rubin of Jenkinstown, PA has been charged with Racketeer Influenced and Corrupt Organizations Act (RICO).  From 1998 to 2012, Rubin has been involved with multiple businesses that make usurious loans commonly known as “Payday Loans.”  He allegedly attempted to … Continue reading

Ways that your credit report can get damaged without you even knowing about it

Everyone in the U.S. who has ever applied for credit or used credit to purchase something has a credit history on file with one or all of the three main credit record agencies: Experian, Transunion, and Equifax. However, many people … Continue reading

Sister Company Arizona Credit Lawyers Launches New Website

An approximate 80 percent of the population have damaged reports. About 40 percent of the population has a lower credit score due to inaccurate information on their credit reports. This inaccurate information happens for several reasons, but the root of … Continue reading

Credit Report Issues worth Disputing

When consumers review their credit reports, they are often amazed by the inaccuracies being reported yet confused by what should be disputed. At first glance, people may become horrified to notice misspelled names, outdated addresses or strange inquiries to view … Continue reading

Identity Theft from Online Job Boards

Gary Nitzkin, Michigan Consumer Credit Lawyer

Posting resumes on job boards is a common practice amongst job seekers. Job seekers continuously update their resumes with detailed and accurate information targeted at prospective employers. Unfortunately, not only are employers viewing your qualifications but identity thieves are also … Continue reading

Sixth Circuit reverses District Court and asks it to conduct a trial on whether the phrase “Settlement Offer” when used in connection with the collection of an out of statute debt is misleading under the Fair Debt Collection Practices Act.

The Fair Debt Collection Practices Act (“FDCPA”) protects the “least sophisticated consumer” (“LSC”).  The LSC is a hypothetical person with a minimal amount of intelligence.  The FDCPA protects this person. Recently, the Sixth Circuit Court of Appeals had an opportunity … Continue reading

Department of Education has fired several Debt Collectors including Pioneer Credit for sleazy collection practices.

Gary Nitzkin, Michigan Consumer Credit Lawyer

The Department of Education has turned a blind eye to the collection harassment and debtor abuse that  debt collectors that it has hired collect student loan debt.  Well, no more.  On Friday, February 27, 2015, it announced that its firing … Continue reading

Identity Theft is still on the rise…unfortunately. Be prepared when it happens to you.

Gary Nitzkin, Michigan Consumer Credit Lawyer

According to the Federal Trade Commission, its number one complaint from consumers in 2014, was identity theft.  This crime has been on a meteoric rise since the 1990s.  You can blame computers and the internet for its stellar rise in … Continue reading

Interstate Laws for Debt Collection

The scenario of a debt collector from a Michigan creditor knocking on the door of a Virginia debtor is so surreal that it could occur only in an imaginary situation. In reality, interstate debt collection activities are by remote communications … Continue reading

Where Does Michigan Stack Up Against the Rest of The Country in Identity Theft?

With the accumulating information available on eah person, identity theft has become an increasing threat. Thousands of people a year are affected by this crime. Their personal information is used in a myriad of ways without their consent. Here is … Continue reading

7 of the Largest Identity Theft Crimes

There are many ways to commit identity theft. Unfortunately, identity theft happens every day all over the world. Some of the most popular ways to commit identity theft are filing false tax refunds, medical identity, through credit cards, and even … Continue reading

The FTC had a busy 2014 nailing abusive debt collectors.

Gary Nitzkin, Michigan Consumer Credit Lawyer

Since the inception of the Consumer Financial Protection Bureau (“CFPB”), I had expected the Federal Trade Commission to put its proverbial feet up on its desk and collect is federal funds.  After all, the FTC unloaded a lot of the … Continue reading

Common Identity Theft Myths

Identity theft is a real problem that millions of Americans face on a yearly basis. Not only does identity theft lead to severe intrusion into your personal life, but it can have repercussions on your finances too. According to Daily … Continue reading

The FTC’s List of Banned Debt Collectors

Debt Collector on Phone

I thought this was really interesting.  TheFederal Trade Commission keeps a list of Banned Debt collectors.  You can click on links and see the pleadings in each such banned debt collectors case. Today, I learned that one banned debt collector, … Continue reading

Tax Identity Theft – What to do if you are a victim

Gary Nitzkin, Michigan Consumer Credit Lawyer

Our office helps people whose identities have been stolen by thieves.  Our credit repair services are limited to fixing credit on credit reports.  We don’t work on tax identity theft. Take heart.  The Internal Revenue Service has a great website … Continue reading

How to Sue a Debt Collector

Gary Nitzkin, Michigan Consumer Credit Lawyer

Debt collectors often use unsavory tactics to try to strong-arm debtors into making payments. When there is no money available to make payments, debtors who are being harassed by collectors may be continuously called at home, work or even at … Continue reading

FTC sues Payday Loan Company for selling consumer’s personal information.

Gary Nitzkin, Michigan Consumer Credit Lawyer

We don’t hide our utter contempt for Payday Loan Companies.  At Michigan Consumer Credit Lawyers, we think they are scum.  They charge interest rates that no one, who didn’t absolutely need the cash would pay, often in the triple digits.  … Continue reading

What are the Types of Identity Theft Forms I Need to Fill Out?

Similar to adults, thousands of children across the United States are no strangers to identity theft. Thieves often steal social security numbers from children to help them apply for government benefits, obtain a loan or new credit cards, and can … Continue reading

Statute of Limitations on Debt in Michigan

In Michigan, there is a statute of limitations on debt. For some reason, many debt collectors either conveniently forget this fact, or they knowingly pursue old debt illegally. In either case, you have rights. The Official Statute of Limitations on … Continue reading

Credit Repair After Foreclosure in Michigan

If you have gone through a foreclosure in Michigan, chances are that you are incredibly distraught about how it will affect your credit. You are not alone; After sub-prime and adjustable rates for mortgages spiked, many Americans were not able … Continue reading

Child Identity Theft : How Serious Is It?

Child Identity Theft

Identity theft is a huge problem for adults – but did you know that it is actually around 50 times more likely for a child to have their identity stolen? This, according to Kenneth Abbey of the Federal Trade Commission, … Continue reading

Don’t Fall for Scam Debt Collectors Frightening Tactics

Liar

Scam debt collectors are everywhere and their tactics are downright frightening for most people. Some are threatened with arrest, exposure to employers, or humiliating calls to friends, relatives and neighbors. Every day we receive calls from scared, angry consumers in … Continue reading

Not Checking Your Credit Reports? It Will Cost You!

Couple

We all know how important credit reports/scores are to our daily lives. They determine whether we can buy our dream home, lease a car, or even get a job. But a new study done by the Consumer Financial Protection Bureau … Continue reading

Payday Lender Gets Slapped with $760K Fine by MN Attorney General

Payday Loan Window

  Every day we receive calls in our office by frantic people that have been caught in payday loan land. It all starts with a short term loan that you anticipate paying back on payday. But what most people don’t … Continue reading

Scam Debt Collection Calls Rising

Liar

With all of the holiday spending becoming a distant memory, it can be hard for consumers to keep accurate records about finances. Sleazy fake debt collectors are taking advantage of this vulnerability and using it to their advantage. The Consumer … Continue reading

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