Fleischman Consumer Law Center - Latest Comments

Re: What Actions Are Violations Of Consumer Rights?

Jason — Wed, 28 Oct 2009 20:52:42 -0000

There are limits to the above. For example, you can tell a debt collector to cease communicating with you, but you must do so in writing.

You should also immediately send any collector who contact you a letter demanding validation of the debt, including a copy of the application, and a copy of the statements. DO NOT let them bully you into sending a fraud affidavit. They have to prove up the debt before you have to do anything.

Re: What Actions Are Violations Of Consumer Rights?

Sonja — Wed, 28 Oct 2009 03:46:25 -0000

I've had a few clients tell me lately that some check loan & online lenders have told them that they'll have them arrested &/or cause them to be fired from their jobs! But, what do you do? We have no proof that they said this in a collection call.

Re: Can Debt Collectors Contact Me About A Charged Off Debt?

Jason Krumbein — Sat, 17 Oct 2009 15:04:37 -0000

Charge-off is only a way for them to tell you that they have taken it off THEIR taxes. It doesn't mean you don't owe, only that they don't think they are likely to collect. It usually indicates that they have sold the debt to a "junk debt buyer" or "zombie debt buyer". And this zombie doesn't go away with garlic and a stake through the heart.