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Category Archives: Consumer Rights

Legal5

Proposed Changes to FDCPA Would Help But May Not Become Law

By Jacobs Legal |

Congress is currently considering a number of proposals to amend the Fair Debt Collection Practices Act (FDCPA), the federal law that allows consumers to sue debt collectors that engage in abusive, harassing or unfair practices in the collection of debt. None of the proposals are law yet, and as anybody who knows how a… Read More »

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Lawyer5

Dealing With Marital ID Theft

By Jacobs Legal |

Anytime you are a victim of identity theft, the results can be devastating on your credit. Even if you ultimately end up not owing any money, and even if you do get the items removed from your credit, there is still the time and effort to challenge improper credit items, along with the frustration… Read More »

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Cash

Portfolio Recovery Sued For Illegal Collection Practices

By Jacobs Legal |

Debt collector Portfolio Recovery Associates is in trouble with the State of Massachusetts for illegal and deceptive debt collection practices. Although this is a win for consumers, there is a question of how many other debt collectors are still engaging in these kinds of practices. Illegal Collection Practices According to one report, Portfolio went… Read More »

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DebtColl4

Association Dues Get Protection Under Debt Collection Laws

By Jacobs Legal |

When a debt collector tries to collect a debt, and does so in violation of existing debt collection laws, a consumer can sue for damages. But what is a debt? Is all debt protected by the law? A recent case explored whether debts that are owed to homeowners’ associations or condominium associations qualify for… Read More »

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CreditReport

What to Do When an Erased Mark is Reinserted on Your Credit Report

By Jacobs Legal |

It can be a huge relief to get something removed from your credit report that shouldn’t have been there. You identified the inaccurate report, informed the credit reporting agency (CRA-which includes Equifax, Experian or Transunion), and, to your delight, your credit has now improved, the inaccurate mark having been wiped from your credit. Except… Read More »

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BankFile

Speeding Up Cases Prejudices Homeowners

By Jacobs Legal |

Imagine that the government was concerned that there were too many criminals on the streets, or that the criminal justice system was just moving too slow. In response, the government orders courts to start putting more people in jail, and to generally manage court case loads in a  way that helps the State get… Read More »

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Legal14

Can Debt Collectors or Debt Buyers Enforce Agreements to Arbitrate?

By Jacobs Legal |

Arbitration agreements are intended to stop consumers from suing, and if consumers do sue, arbitration can severely limit the amount of money that a consumer can expect to receive from a lawsuit. The obvious solution to this problem is to read the agreements that you sign, and try to avoid signing agreements that have… Read More »

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Judge

Department of Education Ignores a Judge’s Order

By Jacobs Legal |

When a judge issues an order to do or to stop doing something, you obey the judge’s order, and appeal his or her decision if you don’t agree with it. That’s how we have an organized system of justice, and maintain respect for courts and judges. Most of us understand that, but it seems… Read More »

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DebtCalc

Debt Collection Industry is Upset Over Recent Ruling

By Jacobs Legal |

There are many areas where the law has not kept up with technology–even somewhat dated technology. The debt collection industry is now trying to use a decision by a federal court to argue that the Fair Debt Collection Practices Act needs updating to keep up with technology. While the act does need some refreshers,… Read More »

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ConsRights2

Miami Leads Country in Mortgage Denials…But Is That Good or Bad?

By Jacobs Legal |

A recent study delivered mixed news to South Floridians: Miami and its surrounding areas have the highest rate of mortgage application denials in the country. That can be seen both as good news, and bad news. Miami Leads in Denials  Miami had the highest percentage of mortgage loan application denials of any other city,… Read More »

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