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Most people, given the opportunity, want to pay their bills. Some unscrupulous businesses, however, have committed themselves to abusing consumers. Rather than working with consumers to reduce debt, these unscrupulous businesses take advantage of anyone that deals with them. Federal and state law protects consumers from these businesses.

Tuesday, November 29, 2011

Options in Foreclosure

If your home was foreclosed between January 1, 2009 and December 31, 2010, you can request a review of the foreclosure process to see if it was handled properly. Fourteen mortgage companies are required to participate in this process. If there were errors, misrepresentations or other irregularities with the process, you may be entitled to financial compensation or other remedies. This process only applies to the home that was your primary residence. Letters will be mailed out from the mortgage companies, but they will probably be sent to the house that you no longer live in. If you would like to have your foreclosure reviewed, you can call 1-888-952-9105 for the form you will need to fill out or visit the web site at www.independentforeclosurereview.com.

The fourteen mortgage servicers involved in this process are America's Servicing Co., Aurora Loan Services, Bank of America, Beneficial, Chase, Citibank, CitiFinancial, CitiMortgage, Countrywide, EMC, EverBank/EverHome Mortgage Company, GMAC Mortgage, HFC, HSBC, IndyMac Mortgage Services, MetLife Bank, National City Mortgage, PNC Mortgage, Sovereign Bank, SunTrust Mortgage, U.S. Bank, Wachovia Mortgage, Washington Mutual (WaMu), and Wells Fargo Bank, N.A.

Please let us know if we can help you with this process.  Brandon L. Blankenship (205)912-8248
-Blankenship Harrelson, LLP

Monday, October 31, 2011

Do You Have the Credit Report Woes?

We previously blogged about the importance of reviewing one’s credit report to help protect against credit errors and identify theft.   In addition to reviewing credit reports at regular intervals, consumers who find themselves the subject of debt collection may want to check their credit reports more frequently to ensure accuracy.   Under certain circumstances, debt collectors are permitted to report consumer debs to credit reporting agencies.   However, because a debt collector can be a separate entity from the original creditor, the same debt may be listed several times on a consumer’s credit report.   This problem can be compounded by the fact that it is not uncommon for one debt collector to sell a consumer’s debt to another debt collector; in fact, some debts may even be sold multiple times.   If a new debt collector reports the same debt each time it is sold, a single debt may be reported multiple times on a consumer’s credit report.   This can cause the report to appear misleading, giving the implication that numerous debts are owed to different companies when in reality, the same debt is being reported over and over.   Thus, while it is important for all consumers to periodically review their credit reports, those who are the subject of debt collection may want to review their reports more often to ensure reporting accuracy.   -Meredith Phillips (205) 912-8244

Saturday, October 29, 2011

A Debt Collector Put a Debt on my Credit Report That I Don't Owe!

Dispute it!   Consumers can and should protect their credit reports by disputing incorrect information listed by a debt collector.   This can include a debt collector listing a debt the consumer does not owe at all, or simply listing a debt that the consumer disputes in whole or in part. Consumers can make oral dispute debts to a debt collector, but it is best to make a written dispute to the collector.   When making a dispute, consumers should provide as much information as possible, including any documents which support the dispute.   It would also be a good idea for consumers to use certified mail or request delivery confirmation when sending the dispute and to keep a copy of the dispute for their records.   An attorney can help consumers determine what rights they have if the debt collector refuses to investigate the debt or refuses to report it as “disputed.”   -Meredith Phillips (205) 912-8244

Friday, October 28, 2011

What Is Credit Reputation?

Your credit reputation is what others think about your habits surrounding borrowing and repayment. Whether you know it or not, agree to it or not or want or not, your credit reputation has been scored with a number called a credit score. Your credit score is determined and maintained by the three credit reporting agencies: Trans Union, Equifax and Experian. Each agency will assign you a different score. Because of the way credit scores are determined, however, the scores should be fairly close. You can think of your credit score just like the grades you received in school:

Credit Score     Grade   
Over 720           A Excellent Credit   
700 - 720          B Good Credit   
680 - 700          C+ Above Average Credit   
660 - 680          C Average Credit   
620 - 660          D Below Average Credit   
Below 620         F Poor Credit

Why should you care? Well, people with an “A” credit reputation pay lower interest rates, pay lower insurance premiums, have more credit opportunities and get hired more often. Also, people with an “A” credit reputation can finance a house with a low interest rate and little or no down payment. People with a “F” credit reputation cannot finance a house with a traditional lender.

Several things create and improve your credit reputation:
  • Historically paying bills early
  • Borrowing less than 25% of the credit available to you
  • Having the same credit account for a long time
  • Maintaining the right type of credit
  • Having the right mix of new credit accounts
Several things that hurt your credit reputation:
  • Late payments (the later the payment, the more harm)
  • More than one account that has late payments
  • Public filings such as bankruptcy, judgments and liens
  • Borrowing more than 25% of the credit available to you
These factors impact credit reputation scoring generally. Credit reputation scoring is complex and it is difficult to show exactly how important any single factor is in determining your score. The level of importance for any one factor will be unique to you. What is important is the overall mixture of factors, which varies from person to person and for any one person over time. The two most important things to do to protect your credit score is to monitor it often and, when necessary, seek the help of a credit professional.  -Brandon L. Blankenship (205)912-8248
-Blankenship Harrelson, LLP
www.bhattorneysllp.com

Are There Time Limits on My Debts?

http://youtu.be/YhGNiofkzaA
We recently blogged about the time limits consumers have to bring actions against harassing or abusive debt collectors.   Well, time limits similarly exist regarding how long debt collectors have to bring lawsuits against consumers for failure to pay a debt.   Unfortunately, many consumers are unaware of these time limits.   Although debt collectors may not be able to sue on a time-barred debt, they can still ask a consumer to pay it.   Further, there are several factors that might even extend the time limits on a particular debt.   The video by ABC news discusses how some debt collectors use time-barred debts, among other methods, to try to get money from consumers.   An attorney can help you determine whether you debts are time-barred or still available for collection.   -Meredith Phillips (205) 912-8244

Isn't Everyone Who Calls to Collect a Debt a "Debt Collector"?

The Fair Debt Collection Practices Act protects consumers from abusive collection conduct of debt collectors.   But, isn’t everyone who calls to collect a debt a "debt collector"?   Not necessarily.   The Fair Debt Collection Practices Act defines a debt collector as any person whose main business is collecting debts or who regularly collects debts owed to another person.   However, creditors who collect their own debts are exempted from the Act's definition of "debt collector" and therefore exempted from the prohibitions of the Act.   However, while they may have more leeway in collecting debts, creditors do not have free reign to abuse consumers.   Legal theories such as invasion of privacy may help protect consumers by requiring creditors’ debt collection conduct to be reasonable as well as reasonably related to legitimate collection efforts.   Conduct which includes threats, name-calling or harassment may not be considered “reasonable” and may therefore expose a creditor to liability.   An attorney can help you determine whether a creditor’s debt collection efforts are actionable or not.   -Meredith Phillips (205) 912-8244

Thursday, October 27, 2011

Understanding Your Credit Report

Creditors and debt collectors are allowed to report a consumer’s unpaid debts to their credit report under certain circumstances. However, a credit report may include several different debts and be confusing to understand. If you feel that your credit report includes debts that are listed in error or that the same debt is listed multiple times, an attorney can help you decipher your credit report and make sense of the confusion.  An attorney can also see if you have suffered credit reputation damage and are eligible for compensation.  Call us if we can help you.    -Meredith Phillips (205) 912-8244

Debt Collection Calls from an Attorney

Debt Collection is often conducted by companies or agencies whose principal business is collecting debts for others. However, debt collectors can also come in the form of individuals—including attorneys. The FDCPA explains that a “debt collector” can be any “person” who regularly collects or attempts to collect debts for others or uses interstate commerce or mail in any business for which the principal purpose is collection of debts. FTC commentary on the FDCPA as well as various courts have explained that the FDCPA’s definition of debt collector may extend to attorneys whose business generally includes collecting debts for others. In these instances, attorneys would be subject to the same FDCPA prohibitions as debt collection companies. If an attorney has taken any prohibited action while attempting to collect a debt from you, you may be entitled to relief under the FDCPA.    -Meredith Phillips (205) 912-8244

Monday, October 24, 2011

Keep Copies of Your Records

It may seem like a simple thing to do, but when dealing with creditors, debt collectors, etc., one of the most important thing consumers can do is keep records of phone calls, letters, and any transactions with these entities.   Keeping a copy of these types of records can keep consumers aware of their financial relationship with these entities and can help remedy errors which may occur in the future.    -Meredith Phillips  (205) 912-8244
-Blankenship Harrelson, LLP

Thursday, September 29, 2011

The ABC's of Debt Collection

The Fair Debt Collection Practices Act was designed to protect consumers against debt collection tactics which are harassing, unfair, deceptive or abusive. While the outcome of debt collection cases often depends on the particular facts, there are several basic prohibitions of which consumers (you) should be aware. 

This video produced by the Federal Trade Commission explains some of the debt collection conduct prohibited by the FDCPA as well as what consumers can do to help stop unwanted debt collection. 
Remember, just because you owe a debt, doesn't mean that it's ok to be abused or degraded in any way.  Find help for paying your debt, and call an attorney to stop harassment from debt collectors.  We'll be glad to talk over your situation and see if you have a case.  -Meredith Phillips (205)912-8244

http://www.ftc.gov/multimedia/video/credit/debt/debt-collection.shtm

One Phone Message is Worth a Thousand Words...or a Million Dollars

We have written blogs about this before, but it never hurts to say it again. When it comes to protecting yourself from abusive debt collectors, saving voice messages on your home or cell phone may be one of the most important steps you take. 

It makes sense when you think about it…a debt collector who is not afraid to abuse consumers is probably not afraid to lie about it later.   It is one thing to simply tell someone that a debt collector called you a name or threatened you, but it is quite another to actually hear the debt collector in the act of these illegal behaviors.   This link is from a news station and reports on a recent story out of Texas where recordings of abusive collection messages played an important role in a plaintiff’s lawsuit against the debt collector.  They won $50,000 in mental anguish and $1.5 million in punitive damages.

If you are being harrassed by debt collectors, save your messages and call an attorney.   -Meredith Phillips (205) 912-8244
-Blankenship Harrelson, LLP

Wednesday, September 28, 2011

Repeat Offenders: Calling over and over

One of the more common complaints against debt collectors concerns repetitive or continuous phone calls. While debt collectors are permitted to call consumers to collect or attempt to collect legitimate debts, debt collectors who repeatedly call in the same hour, same day, or even too many times in a single week may find their conduct deemed harassing and thus in violation of the Fair Debt Collection Practices Act. 

As with many Fair Debt Collection Practices Act violations, the number or pattern of phone calls which rises to the level of harassment will depend on the particular facts of the case. However, if you feel that your life has been consumed by debt collection calls lately, relief may be available. An attorney can help determine whether the calls violate the collection prohibitions and may even be able to help stop the calls.    -Meredith Phillips (205) 912-8244

Wednesday, September 21, 2011

Time Limits on Debt Collection Lawsuits

A Statute of Limitations is essentially a deadline which limits the amount of time people have to bring a lawsuit under a particular law. Many, if not all laws have some sort of deadline like this and the Fair Debt Collection Practices Act is no exception.
When it comes to harassing or abusive debt collection, the FDCPA provides that lawsuits to enforce any portion of the Act must be brought within one year from the “date on which the violation occurs.” Depending on the particular facts, caselaw has some different interpretations of which “date” a violation of the FDCPA is said to actually.

However, the important thing to remember is that time is not limited. In order to protect their rights, consumers should be aware that deadlines do exist for bringing actions based on harassing or abusive debt collection, just as they do for many other legal violations. -Meredith Phillips (205) 912-8244

Friday, September 16, 2011

How Can I Make Debt Collection Calls Stop?

The FDCPA protects consumers from abusive, unfair or deceptive debt collection practices and gives consumers a private right of action against debt collectors who violate the Act’s requirements.
So how can a consumer stop these calls? In addition to providing a private right of action to consumers whose rights have been violated by, the FDCPA requires debt collectors to stop all communications under certain circumstances. With a few exceptions, debt collectors must stop communication if a consumer notifies the debt collector in writing that the consumer (1) refuses to pay a debt or (2) wants the debt collector to stop further communication.

After a consumer provides this writing, the debt collector may contact the consumer for only two reasons: to tell the consumer that further collection efforts are stopping and to notify the consumer that the debt collector or creditor may use certain remedies available to them. Any other communications may subject the debt collector to liability under the FDCPA. -Meredith Phillips (205) 912-8244 Blankenship Harrelson, LLP

Monday, August 29, 2011

This simple practice will help protect your PIN from identity thieves

Thermal cameras take special photographs of an image and colors the photograph based on the amount of heat it is emitting.  These special cameras used to be inaccessible to the general public because they were so expensive.  As the price of the cameras go down, more and more creativity has been applied to their use.  Many of these uses are positive.  For example, thermal cameras can be used to photograph your home to show where additional insulation needs to be added or doors and windows need sealing. 

Identity thieves have discovered a not-so-good use for the thermal camera.  When you press the keys to enter your PIN, heat transfers from the tips of your fingers to the keys.  Identity thieves can then immediately snap a thermal photograph of the keypad and determine which keys were pressed.  In some cases, the order the keys were pressed can be determined because the first key pressed will have  the least residual heat and so forth.  Metal keys (such as on ATMs) tend to photograph better than non-metal keys. 

Put this simple practice in place to reduce your risk of your PIN being stolen in this way.  After you enter your PIN on a keypad, place your whole hand over the keypad (touching the keys) and leave it there for a count of five.  This will heat the whole keypad so that when a thermal image is taken ALL of the keys will show hot - not just the ones that you touched to enter your PIN.  This five seconds may save you the years it may take to overcome your PIN being stolen.  -Brandon Blankenship (205)912-8248
Blankenship Harrelson, LLP

Friday, August 26, 2011

Do I Still Have Rights if I Actually Owe the Debt?

Generally, creditors and/or debt collectors are permitted to contact you about a debt you owe in order to obtain payment on that debt. However, legitimately owing a debt does not give debt collectors permission to harass or threaten you about that debt. Many of those in debt are hardworking people who want to pay their bills but, for one reason or another, are simply unable to do so.

The Fair Debt Collection Practices Act specifically protects all consumers against harassing, unfair or deceptive debt collection practices and defines “consumer” as “any natural person obligated or allegedly obligated to pay any debt.” A person in debt does not deserve any less respect than a person who is not in debt.

Even if you legitimately owe a debt, the FDCPA was designed to protect consumers against abusive debt collection practices and an attorney can help you determine if your rights have been violated. Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP

Thursday, August 18, 2011

Protecting Your Credit

Credit reports contain information about a person’s financial life, such as bills and bankruptcies. In addition to containing information, credit reports may also affect a person’s ability to get a credit card, a loan or a job. Thus, the FTC explains the importance of periodically reviewing one’s credit report to make sure the information is accurate and to help protect against identify theft.

The FTC also informs consumers that amendments to a federal law called the Fair Credit Reporting Act require the three nationwide credit reporting companies (Equifax, Experian and TransUnion) to provide consumers with one free copy of their credit report each year, at the consumer’s request. For details on how to obtain your free credit report, consumers can visit the FTC’s website at http://www.ftc.gov/credit.

Just as it is important to review one’s credit report, it is also important to report errors as soon as possible. The FTC provides detailed information on how to dispute errors and make sure that one’s credit report is accurate. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

By staying informed and proactive about credit report information, consumers can help protect themselves against credit errors which could have significant financial consequences. -Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP

Tuesday, August 16, 2011

Telemarketing Text Messages

The Telephone Consumer Protection Act governs telephone marketing calls made to a consumer’s telephone. 
We previously blogged that debt collection calls to a consumer’s cell phone made with an automated dialer are prohibited unless the consumer previously gave express consent to receive calls on his/her cell phone. Express consent may have come from a credit application or other information the consumer provided to the company. 
This ban on autodialed cell phone calls applies to telemarketing or solicitation calls as well as debt collection calls. However with the advance of technology, there are now other ways to communicate on a cell phone besides making a call—for example, text messages. So, if the TCPA prohibits cell phone solicitation calls without the consumer’s consent, what about solicitation text messages?

Several courts have found that text messages sent with an automated dialer may be considered “calls” under the TCPA and therefore, may be prohibited without the consumer’s prior express consent. The FCC has also indicated that its rules prohibit using an automated dialer to send unwanted text messages to a cell phone.

An attorney can help you determine whether the unwanted telemarketing text messages on your cell phone are prohibited or not. -Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP

Debt Collection after Death

While debt collection calls can be annoying and confusing at any time, they may be especially so after the loss of a loved one. When a person dies, many of his or her debts may remain outstanding. Thus, creditors and debt collectors still have a right to have those debts paid, often out of the assets of the deceased’s estate. Further, in some instances, a spouse or other relative may remain personally liable on certain of the deceased’s debts. The FTC has issued a Consumer Alert regarding who is responsible for paying the debts of a deceased relative, which can be located at http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt004.shtm.

The Fair Debt Collection Practices Act governs all calls by debt collectors—including those regarding deceased debtors. However, the FTC recently issued a policy statement clarifying the requirements of debt collectors attempting to collect a deceased’s debts. Problems commonly arise when debt collectors contact persons with no legal obligation or no authority to pay the debt out of the decedent’s estate and mislead those persons about their obligations. By engaging in this type of deceptive conduct, the debt collectors could be violating the FDCPA.

According to the FTC, a limitation of permissible contact provides additional protection for the family against deceptive and abusive collection conduct. The FTC instructs that debt collectors should only contact certain individuals regarding a deceased’s debts—including among others, the deceased consumer’s attorney, spouse, parent (if the deceased consumer was a minor), guardian, executor, administrator, or any other individual who has the authority to pay debts out of the deceased’s estate. The FTC also encourages collectors to make good faith efforts to search probate court records before contacting people other than the deceased estate’s executors or administrators. Moreover, once a collector identifies the executor or administrator, the collector must only communicate about the deceased’s debts with that individual or any of the other permissible individuals.

Additionally, when communicating with permissible individuals, a debt collector may make a reference to payment for “outstanding bills” of the deceased, but implying that the deceased was delinquent on those bills may violate the FDCPA. The full FTC Policy Statement can be located in a hyperlink at the following webpage, http://www.ftc.gov/opa/2011/07/fdcpa.shtm

In additional to the contact limitations imposed by the FTC, the FDCPA’s general prohibitions on misleading, deceptive, harassing or abusive contacts still apply to calls regarding a deceased’s debts. An attorney can help you determine whether calls regarding a deceased loved one’s debt are proper under the FDCPA. -Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP

Wednesday, August 3, 2011

Avoiding Debt Collection Scams and Identity Theft

If harassing phone calls from legitimate debt collectors are not bad enough, numerous scam debt collectors are surfacing, many of whom seem impossible to stop.

Consumers can take action to avoid being victims of debt collection scams. Scam Collection Agencies often use a technique called "phishing" to search the Internet, mail and email to find your personal information and then use that information to try to convince you that you owe the debt. In order to prevent assisting these scam artists with their “phishing,” the FTC recommends consumers guard their personal information when using the Internet and offers these tips:

  • Do not reply to emails or pop up messages asking for personal or financial information. If you are truly concerned about your account, contact the organization directly to verify whether they requested your information.

  • Avoid calling phone numbers sent in emails. Technology allows scammers to disguise their phone numbers; the scammers may be located in a different area code than the phone number in the email suggests. 

  • Use anti-virus and anti-spyware software. The “phishing” done by scam artists may harm your computer or track your Internet activities without your knowledge.

  • Do not email personal or financial information.

  • Review your credit card or bank account statements often and watch for unauthorized charges or suspicious activity.

  • Be careful when opening attachments or downloading files from emails—even if they are from someone you know. Email attachments may contain viruses which can weaken your computer’s security.


  • If you think you are the victim of a scam, file a complaint at ftc.gov and call an attorney. The FTC warns that victims of “phishing” can become victims of identity theft.    -Meredith Phillips (205)912-8244
    Blankenship Harrelson, LLP

    Monday, August 1, 2011

    Pay Day Loan Collection Scams

    Does the following scenario sound familiar? You get a call from a debt collector about a debt you don’t remember...yet they have your personal information such as your name, address, phone number or even your social security number. So, if you really don’t owe the debt, how does this company know so much about you?

    While the call may be legitimate, it may also be a debt collection scam. The Internet Crime Complaint Center warns consumers about the increasingly high number of telephone collection scams.

    Scam Collection Agencies may use a technique called "phishing" to search the Internet, mail and email to find your personal information and then use that information to try to convince you that you owe the debt. These scam collection agencies often reference delinquent payday loans and may allege to be calling from criminal enforcement divisions, the FBI, or other various legitimate sounding agencies. They may threaten legal actions or arrests as well as harass consumers, their friends and relatives. They may also request additional personal information from consumers such as a full social security number, bank account numbers, date of birth, etc.

    Unfortunately, while these scam artists are able to find consumers, they often disguise their real phone numbers which makes it very difficult to find them.

    So how can you determine if the calls you are getting are from legitimate debt collectors or collection scams artists? You may request the debt collector send you written verification of the debt or contact the original creditor. Additionally, you can write a letter instructing the debt collector to stop contacting you. With a few exceptions, legitimate debt collectors are required to stop contacting you once they receive this letter.

    The Internet Crime Complaint Center also suggests that you contact local law enforcement if you feel you are in immediate danger. An attorney may be able to offer assistance if you think the debt collection calls you are receiving are scams. -Meredith Phillips (205)912-8244
    Blankenship Harrelson, LLP

    Tuesday, July 26, 2011

    Debt Collectors Using False or Misleading Names

    When contacting consumers, debt collectors are not allowed to make false or misleading representations. This includes using any business name that is not the company’s true name as well as any name that implies a connection with the government, a particular state, or the United States of America.

    Debt collectors may use false names in an attempt to deceive or frighten consumers. As an example, a debt collector’s use of “Federal Criminal Enforcement Division” or “Emergency 911” as their name or caller i.d. label—when that is not their actual name—is the type of false and misleading conduct that might be in violation of federal law. An attorney can help you determine your rights if you have been contacted by a debt collection company using a false or misleading name. -Meredith Phillips (205)912-8244
    Blankenship Harrelson, LLP

    Saturday, July 23, 2011

    Protect Yourself when Dealing with Debt Collectors

    We have all been in a “he said, she said” argument at some time in our lives—when two parties to a conversation have different recollections about what was said. Oftentimes this is the result of simple misunderstandings. However, when it comes to conversations with debt collectors, this could be the result of outright lies. Because many debt collector conversations border on the rude and nasty, you should protect yourself and any rights you may have.

    The easiest ways to do this are:
    (1) Save any phone messages you get from debt collectors, whether on your home or cell phone
    (2) Make notes of your conversations with debt collectors as they happen, and
    (3) Save any letters or other notices you get from debt collectors.

    By keeping good records of the calls you get from debt collectors you can avoid a “he said, she said” argument in any future disputes. -Meredith Phillips (205) 912-8244
    Blankenship Harrelson, LLP

    Wednesday, July 20, 2011

    Caught on tape...abusive debt collectors

    As we work on debt collector cases, we are amazed at the stereotypes and misinformation out there.  So many people are quick to say, "Well, they should have paid their bills."  While that is true, there is never an excuse for one human being to threaten, harass or cause serious emotional injury to another person.  Even worse, for many people, debt collectors zero in on people that don't even owe the debt in question and won't let up.

    We have assembled a small collection of videos that demonstrate what is going on in the debt collection industry.  ABC News, CBS News and their affiliates have all done investigative reporting and have actual debt collectors calls recorded and have spoken to former debt collectors.  Check it out, and let us know if seeing those videos changed your opinion in any way.   (BHATTORNEYS YouTube Channel)

    Stay safe out there and know your rights! 
    -Blankenship Harrelson, LLP (205)912-8255

    Dispute Early, Dispute Often

    It is common to get a call about a debt that is not yours or that is otherwise disputed. Sometimes the caller is just running a con game to see how many people will just pay.  More often, the debt is disputed. After all, if you complain that you did not receive what you ordered, the price was more than you agreed or the service was not performed, then paying the bill in full risks waiving your claims. Although you should offer partial payment when appropriate, less than full payment is often rejected.

    Frustrated companies often find it easier to hand the issue off to a debt collector. Companies should tell the debt collector that the debt is disputed. However, some unscrupulous companies do not.

    You should dispute the debt the first time you are contacted about it AND EVERY FOLLOWING TIME. If possible, also dispute the debt in writing by letter or email. Federal law places a time limit on disputing a debt, so don’t wait.

    One benefit of disputing the debt is that federal law prohibits a debt collector from communicating or threatening to communicate to any person credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. 15 USC § 1692e(8).

    Debt collectors have increasingly become reporters to credit reporting agencies. If they know the debt (or a part of the debt) is disputed, it must be reported as disputed. This one issue may make the difference between your credit score losing a point or two or taking a nose dive. -Brandon L. Blankenship (205)912-8248Blankenship Harrelson, LLP

    Tuesday, July 19, 2011

    Calls from a Telemarketer

    Unwanted calls from a telemarketer or company trying to convince you to buy, rent or invest in their product or service may be easier to stop than you think.

    A federal law known as the “TCPA,” or Telephone Consumer Protection Act, protects consumers from these types of unwanted calls. One way to prevent these calls is by putting your phone number on a national “do-not-call” list. However, according to the rules and regulations that govern the TCPA, you can also stop these solicitation calls by simply telling the company not to call you anymore or asking the company to put your phone number on their own “do-not-call” list.

    Once you do this, the company must honor your request and not call you again for a certain time period. Making this “do-not-call” request will even stop calls from a company that you previously gave permission to call you or that you have done business with in the past. Additionally, after you have made this request, the company could be liable for calling you again.  -Meredith Phillips (205)912-8244
    Blankenship Harrelson, LLP

    Monday, July 18, 2011

    When It Comes to Debt Collectors, What is Unusual?

    While one of our clients was in the hospital [from a car crash], he got a debt collection call. Needless to say it upset him and his family. What made it more upsetting was that it was not his debt. He kept telling the debt collector that he had the wrong person, but the debt collector kept calling.

    Upsetting – yes, but is it illegal? Federal law prohibits a debt collector from communicating with a consumer at any unusual time or place. 15 USC § 1692c(a)(1). This is somewhat weak wording in the law. Obviously, a debt collector can argue that calling someone in the hospital, for example, is not unusual. The best way to protect yourself in this circumstance is to tell the debt collector that you consider the time or place to be unusual. Tell the debt collector you are in the hospital and that you consider calling you there unusual. If the calls persist, send the debt collector a letter or email.

    Don’t expect a debt collector to know what is unusual to you. If you don’t want to be bothered at church on Sunday, or during your dialysis on Thursday afternoon or whatever, tell the caller you consider calling those places unusual. Debt collectors are already prohibited from calling before 8 in the morning or after 9 at night. If, however, those times would be unusual to you (say, for example, you work the night shift and sleep during the day), the best practice would be to tell the caller that you consider it unusual so that you can curb the calls. -Brandon Blankenship (205)912-8248
    Blankenship Harrelson, LLP

    Friday, July 15, 2011

    Has a Debt Collector Called You Multiple Times in One Day?

    Do you get calls from a debt collector 5, 10 even 20 times a day? Or, do you get 2 or 3 calls every day of the week? If your debt is valid, debt collectors are permitted to take legal actions to attempt to collect your debt.

    However, debt collectors are not permitted to repeatedly call your telephone with the intent to annoy or harass you. This may include calling you multiple times in one day or multiple times for several days in a row—especially if you have already talked to the debt collector on those days. If you have been contacted by a debt collector in this way, an attorney may be able to help stop the harassing phone calls. mlp (205)912-8244

    Thursday, July 14, 2011

    Shame, Harassment and Extortion Through Social Media


    In a recent legal case, Sohn v. Bramacint, a debt collector used MySpace to learn about a target. After they had learned that the target had a daughter they told her she had a “beautiful daughter,” and “wouldn’t it be terrible if something happened to her while the sheriff’s department was taking you away?”

    In other cases, debt collectors have posted notices directly on MySpace or Facebook in an attempt to shame or embarrass their target. This conduct violates federal law and is even more egregious when the target does not owe the debt or the debt is otherwise disputed. These cases only illustrate the wrongful conduct that some debt collectors will go to make money.

    Remember that a friend request from someone you don’t know could be a debt collector or con artist attempting to collect a debt (even a debt you do not owe). Once you get into these situations, it is difficult to get out. The best advice is to avoid dealing with these people from the beginning. blb (205)912-8248

    Wednesday, July 13, 2011

    A Debt Collector is Calling Me After I Was Discharged Bankruptcy

    For many people, filing bankruptcy means a fresh start. Or at least, that is what it should mean. But what happens when those annoying collection calls you were getting before bankruptcy start right back up again after bankruptcy?

    Although debt collectors might tell you that their debt is not affected by bankruptcy, these post-bankruptcy collection calls may actually be prohibited. A debt collector should not call about a debt after bankruptcy if (1) you specifically list the debt collector on your list of creditors and (2) you receive a bankruptcy discharge of that debt. When this happens, the debt collector should receive notice of your discharge. After this notice, the debt collector should not call you about this debt anymore. Not only is the first post-discharge call improper, but it is also improper for a debt collector to continue calling you about a discharged debt when you have listed them as a creditor in your bankruptcy.

    Under federal law, a debt collector is not allowed to make false representations about the legal status of a debt. If a debt has been discharged in bankruptcy and the debt collector knows this fact, they may not continue to try to collect the debt and claim it is still valid. An attorney can help you determine whether a debt collector is permitted to call you after a specific debt has been discharged in bankruptcy.
    mlp (205) 912-8244

    Debt Collectors Can’t Just Keep Calling Your Relatives and Friends

    In fact, federal law prohibits them from calling any one person more than ONCE. 15 USC § 1692b(3). As an added protection simply ask the debt collector to stop calling others.

    Of course, debt collectors often lie and say that they were not ask to stop calling others, so the better course of action is to ask them to stop in writing or in an email. Whoever they are calling should ask that the calls stop also. If the calls keep coming anyway, whoever they are calling should follow up with a letter or email.

    Even the one time that a debt collector is permitted to call someone else, they can only call to try to get information about your whereabouts. If they debt collector reveals that they are calling about a debt or that they work for a debt collector, it is most likely a violation of federal law. blb (205)912-8248.

    Monday, July 11, 2011

    A Debt Collector Threatened to Take My Property!

    Among the methods of intimidation debt collectors use, threatening to repossess your property unless you pay your debt may be one of the more frightening. Debt collectors may threaten to take your car, your television or even your home as a way to intimidate you into paying a debt.

    However, it is a violation of federal law for debt collectors to take or even threaten to take your property if they have no present intention to take your property, no present right to take your property (such as an enforceable security interest), or if your property is exempt from this kind of taking. An attorney can help you determine whether debt collectors have a legitimate claim to your property or whether they are simply trying to intimidate you. mlp (205)912-8244

    Thursday, July 7, 2011

    A Debt Collector Threatened Me

    Debt collectors are not allowed to threaten you, your family, your friends or your neighbors in connection with collecting a debt. Not only that, debt collectors are also not allowed to threaten harm to your property. Threats could include violence, stalking, theft, vandalism, etc. Some debt collectors may use these tactics to scare people into paying their debts.

    Be aware, however, that using or threatening to use violence or any other illegal means to collect a debt is prohibited by federal law. This kind of behavior is prohibited whether you owe the debt or not. mlp (205)912-8244

    Tuesday, July 5, 2011

    A Debt Collector is Calling Me About a Debt I Do Not Owe

    A debt collector's job is to collect money and oftentimes, debt collectors do not get paid unless they collect money from consumers. Unfortunately, this can lead some debt collectors to try to collect money from anyone-whether that person owes the debt or not.

    Fortunately, the Fair Debt Collection Practices Act protects people that do not owe a debt as well as those that do. Although some parts of the Act apply only to consumers, others apply to all people. Thus, even if a debt collector is harassing you about a debt you do not owe or know nothing about, you may still be protected by federal law.  mlp (205)912-8244

    Friday, July 1, 2011

    A Debt Collector Threatened to Arrest Me for Not Paying My Debt!

    Do not panic-this is generally not allowed. With some exceptions, failure to pay a debt is not in and of itself a crime and a debt collector cannot arrest you or put you in jail for the sole reason of not paying your debt.
    Debt collectors are also prohibited from falsely threatening or even implying that the mere nonpayment of your debt will cause you to be arrested or imprisoned. An attorney can help you determine whether a debt collector's threats are legitimate or not.  mlp (205) 912-8244

    Thursday, June 30, 2011

    Why be afraid of the jury?

    A jury is a group of people who, under oath, are given a question by a court and answer with an impartial finding of fact. People sitting on a jury must be qualified. For example, they must be legal citizen, they cannot have been convicted of a felony and they cannot have such prejudice for or against any element of the question submitted that they cannot be impartial. In its simplest form, a jury sees, hears, smells and sometimes touches evidence and determines the truthfulness of it.

    Almost every defendant is silent or denies guilt. The jury hears the tension in the defendant’s voice, sees the expression of the defendant’s face, and determines if the denial is credible or not. If the defendant smells or acts intoxicated, the jury can decide if that simple fact impacts credibility or not. The jury considers all of the evidence that supports or challenges the defendant’s claims.

    The jury tempers the law with what is acceptable in our community. What is, for example, obscene? What is, for example, harassing? What is, for example, abusive? Only the jury can say. What jury, seeing that a company or person acted fair and just, would rule against it? What jury, seeing that a person made a false claim, would rule for him or her? Juries have an uncanny ability to recognize a false claim.

    On the flip side, if the defendant is cheating people, isn’t that bad for everyone. Good business helps everyone. Bad business is bad for everyone – even other businesses. Imagine a claim against your company. Although not legally permissible, imagine that the jury is made up of your company’s customers, employees and vendors. If you follow good business practices, you are delighted. Otherwise, maybe you are afraid of the jury. blb (205)912-8248

    Tuesday, June 28, 2011

    A Debt Collector Called Me Names and Used Curse Words

    Debt Collectors are not allowed to use profane or obscene language when collecting debts. Along the same lines, debt collectors are not allowed to call you names. This could include a wide range of conduct – from calling someone a liar or a deadbeat to racial slurs and sexual remarks. Unfortunately, this kind of debt collector behavior happens more than we would like to think. However, the Fair Debt Collection Practices Act was designed to protect consumers and abusive, profane and obscene language is strictly prohibited.  mlp (205)912-8244

    Friday, June 24, 2011

    What if my employer is doing wrong?

    Many employees are tempted into staying with employers that break the rules (or the law) because they believe they bring something "good" to the company by staying. Others try to right the wrong within the company. The bottom line is that you are most likely guilty of some wrong doing simply by knowing about employer wrong doing and keeping quiet.

    If you participated or in any way profited from the wrong doing, you must have an attorney before reporting anything. Some of these areas are:

    *Billing more than once for the same service;
    *Charging for services not performed;
    *Offering free items or services in exchange for government services (such as Medicare, Medicaid, FEMA, etc.);
    *Billing for expensive equipment while providing cheaper equipment;
    *Billing for work completed by another; and so forth...

    In addition to reporting, some situations may require that you quit as well.  blb (205)912-8248

    Can a Debt Collector Call My Cell Phone?

    Maybe. Debt collectors have various tools to help them find your phone number. Unfortunately for the debt collector, just because they have your cell phone number does not mean they are permitted to call it. According to federal law, if you provide your cell phone number to a creditor or debt collector–in connection with a debt, loan, credit application, etc.–then you have consented to be contacted about that debt on your cell phone. This applies to creditors as well as the debt collectors they hire to collect your debt on their behalf.

    However if you have not provided your cell phone number in this way, debt collectors are typically not allowed to call your cell phone using (1) an automatic dialing system or (2) to leave you prerecorded messages. Debt collectors might still be able to make non-automated collection calls and leave you live messages, but federal law prohibits autodialed calls and artificial or prerecorded messages. An attorney can help you determine whether the debt collection calls and messages you receive on your cell phone are legal or not. mlp (205)912-8244

    Debt Collectors Call Me Early in the Morning or Late at Night

    According to federal law, debt collectors are not allowed to contact you about a debt before 8:00 a.m. or after 9:00 p.m. unless you or a court of law gives them permission. Also, a debt collector must honor your request not to call at any time that you tell them is inconvenient. For example, if you specifically tell a debt collector that it is inconvenient to you for them to call on Saturdays or Sundays, the debt collector should not call you anymore on those days.  mlp (205) 912-8244

    Wednesday, June 22, 2011

    A Debt Collector Keeps Calling My Job

    If they don't stop, I am going to get fired.

    Federal law prohibits a debt collector from communicating with a consumer in connection with any debt at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communications.

    The best way to stop calls to your employer is to send a letter or email to the debt collector informing the debt collector that your employer does not allow these types of calls. blb (205)912-8248

    Tuesday, June 21, 2011

    A Debt Collector Keeps Calling My Neighbors

    Can they do that? Well, maybe. Debt collectors cannot call your neighbor in general attempt to collect a debt from you. For example, debt collectors cannot wait until supper time and then call all your neighbors and ask them to bring you a message to pay your debts.

    Federal law permits debt collectors to call your neighbors for the limited purpose of asking for location information. In doing so, the debt collector may not disclose that you owe a debt. In fact, the debt collector cannot even disclose the name of his or her debt collector employer unless your neighbor expressly asks. Incidentally, the debt collector can never ask your neighbor (or any third party) to deliver a message for you to call them back. blb (205)912-8248

    Abusive Debt Collectors

    Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invastions of indiviual privacy. This Act also helps protect privacy because it prohibits a debt collector from communicating, in connection with the collection of any debt, with any person unless: the person is the consumer; the consumer’s attorney; or a consumer reporting agency. blb (205)912-8248