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The Fair Debt Collection Practices Act (FDCPA) A Basic Overview The Fair Debt Collection Practices Act (FDCPA) was one of the first comprehensive set of protections established for debtors against debt collectors. It arose out of some truly horrific stories – and the reality is that the debt collectors continue to do horrific things in […]
“Debt Collectors” and “Debt Buyers” I often talk about debt collectors, but many, and perhaps most people being sued for debt are being sued by people (or companies, usually) that have purchased the debt from someone else and are suing to collect the money for themselves. These are sometimes called “junk debt buyers.” So What […]
When banks screw up, they get bail-outs and promotions. When you do, you get subjected to an elaborate rip-off system and called bad names by strangers. Stand up for your rights. Anybody who has ever been to a court that handles debt cases has been impressed by what a travesty of justice the scene presents. […]
There is a tendency among being drowning in debt to wish for a magic bullet or some other sudden, easy remedy. Or otherwise to take no action and hope the debt goes away. This path could lead to financial destruction.I am now not paying credit cards as I am swamped with debt, and the minimum […]
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This video goes through the reasons you should win if you get sued for debt and begins the discussion on how to send the right signals to the debt collectors to leave you alone. This is the second video of this series. Here is the link to the first one: https://yourlegallegup.com/pages/RO2-1 In these videos […]
One question we have often gotten is whether you should negotiate for yourself or hire someone else to do it. We will address that question more extensively below, but in general, debt negotiation companies do not have any secret tools or special access to get you better results than you could get for yourself. They […]
When you get the first notice that a debt collector is after you, you should get an opportunity to “dispute and request verification.” That right is provided by the Fair Debt Collection Practices Act (FDCPA). Click here to get your free copy of the FDCPA. This video here explains why you should dispute the debt […]
