Bankruptcy Archives | Michigan Consumer Credit Lawyers

Consumer Financial Protection Bureau Proposes New Rules to Combat Improper Debt Collection

Recent reporting by The Hill reveals that the Consumer Financial Protection Bureau (CFPB) has proposed new changes to the ways that debt collectors may contact consumers. The proposed rule changes also limit litigation that Debt Collectors may initiate as well … Continue reading

Can I still be garnished during this COVID-19 outbreak?

can zombie debt be killed

Even though the COVID-19 outbreak has brought life to a standstill for most Americans as the economy has ground to a halt, debt collectors continue to pursue wage garnishments against vulnerable Americans. Recent reporting by the Guardian reveals how far … Continue reading

We now offer Free Student Loan Consultations.

We are pleased to announced our purchase StudentLoanMedix.com. We can now fix your student loans. We offer free Student Loan Consultations. We can advise you if you are in the right repayment program and if you are delinquent or in … Continue reading

What Questions should Michigan Consumers ask a Credit Repair Law Firm before Hiring them?

Not all credit repair “law firms” are the same. It would be nice to think that any company that calls itself a “law firm” would be 100% trustworthy, but this is unfortunately NOT the case. There are well-known credit repair … Continue reading

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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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

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

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

Declaring Bankruptcy After Getting Served By Creditors

Bankruptcy After Getting Served By Creditors

If your finances have been suffering for a long period of time, you have no doubt been served by creditors. Although this may be somewhat of a nuisance for you, creditors are just trying to get back the money they … 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

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

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

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

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

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

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

Debt Collectors are Crushing Consumers

Person getting crushed

The financial crisis that began 5 years ago hurt a lot of Americans, as millions lost their jobs and homes. As consumers fell behind on their credit cards and other debts, the debt collection industry boomed. In fact, the past … Continue reading

6 Years of Harassing Debt Collector Calls – To the Wrong Guy

Frustration

One of the major complaints filed against debt collectors is that they are contacting the wrong person. This is especially true for people who have common names. But for Doug Dansie, this case of mistaken identity has turned into 6 … Continue reading

Van Nuys Debt Collector to Pay $1.1 Million Fine to Settle Charges of Bullying Consumers

Debt Collector on Phone

The Federal Trade Commission continues its crackdown on abusive debt collectors with its latest million dollar victory over a Van Nuys debt collection operation, alleging they bullied consumers and deceived them about fees. The deal stems from a 2011 case … Continue reading

Your New Facebook Friend in the bikini? She may be an Undercover Debt Collector

Girl with gun

The newest tactic of sleazy debt collectors involves trickery, deception and pictures of hot bikini babes. Welcome to the world of undercover debt collection, where debt collectors pose as hot young girls in bikinis to get you to friend them. … Continue reading

Debt Collectors – The Worst of the Worst

Debt Collector on Phone

Recently a CNN story highlighted debt collector horror stories. The latest allegations of abuse of consumers include threats to dig up dead relatives, take their children into protective custody and even to kill the family pet. These gross abuses are … Continue reading

The High Cost of Credit Report Errors

Couple

You may have seen the recent 60 Minutes newscast about the frequency of credit report errors and how hard it is for consumers to dispute mistakes. Most people understand that your credit report will determine how much interest you pay … Continue reading

Top 5 Reasons to Avoid Payday Loans

Payday Loan Window

Many Americans today are suffering from the financial recession. After years of unreliable job markets, economic instability and dwindling savings accounts, some families are turning to unconventional options to make ends meet. Introducing payday loans. At first glance, they can … Continue reading

Debt Settlement Company Fined $3.3 Million for Deceiving Consumers

Punishment

You’ve heard the saying, “If it sounds too good to be true, it usually is.” This was a catchphrase used by the Better Business Bureau to alert the public to shady business practices. And it definitely applies to the most … Continue reading

How to Handle Debt Collection Threats

Debt Collector on Phone

  You’ve seen the stories on ABC News about the fake debt collection scams harassing millions of Americans. These scammers threaten criminal charges, fraud, arrest and prosecution. The word for this behavior – extortion. The scammers have an enormous amount … Continue reading

Consumer Wins Against Stale Debt Collection Lawsuit

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers in the field of debt collection. One of its provisions deals with lawsuits and the age of debt. The FDCPA prohibits a debt collector from … Continue reading

NY Attorney General Defeats Sleazy Debt Collectors, Shuts Down Company

Earlier this year, New York Attorney General Eric Schneiderman claimed a massive victory for consumers by prosecuting two shifty debt collectors in the State of NY. The companies used business names that made it sound as if they were law … Continue reading

Payday Lender CashCall Fined $13 Million for Violating Consumer Rights Under FDCPA

Attorney Generals are cracking down on the shady payday loan industry and winning big. Most recently, the payday loan company CashCall, Inc., after being investigated and sued by the West Virginia Attorney General, was penalized more than $13 million over … Continue reading

New Credit Reporting Agency on the Block – CoreLogic – A new problem for would be homeowners?

You have heard of the “Big 3” credit reporting agencies – Experian, Equifax and TransUnion. But you may not have heard of the newest one – CoreLogic. For people who want to buy a home, a new FICO credit score … Continue reading

Accretive Health fined $2.5 Million for abusive collection practices

Accretive Health has been in the news for months now regarding their abusive and illegal debt collection practices in hospitals nationwide. Today we are celebrating the excellent news about the result of the Minnesota Attorney General’s investigation of Accretive Health. … Continue reading

Debt Collector Abuse on the Rise

Americans are generally good at living on credit. Between car loans, mortgages and credit cards, millions of Americans live daily on the financial edge, with significant debt. And some of us can’t pay on time, due to job losses, medical … Continue reading

Top Five Ways to make the Fair Debt Collection Work for and Protect You

The Fair Debt Collection Practices Act is a federal law designed to help consumers fight against abusive and bullying debt collectors. Here are the top five ways that you can make the FDCPA protects you: 1. Your financial situation is … Continue reading

You may be a debtor, but you don’t have to be a victim.

The debt collection industry has become a $12-billion-a-year business, as people have fallen behind on bills due to exorbitant hospital bills, crushing student loans or sky high interest credit cards. The recession has impacted many Americans lives, resulting in a … Continue reading

Payday Loans…..mostly collection scams

Far and away, the largest volume of calls that I get from frantic consumers is for payday loan collectors. In the hundreds of phone calls that I have received from frantic consumers, I can count on one hand the number … Continue reading

Student Loan Debt Collector Earns $454,000 – Rich Rewards for Student Loan Debt Collector

In June of 2012, the news organizations were all talking about a student loan debt collector who made $454,000 in one year by collecting defaulted student loans. His name is Joshua Mandelman and he works for a specific type of … Continue reading

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