Warning – if you have received a letter from DRA (Debt Relief Advocates LLC), it may be a part of the latest scam that preys on seniors suggesting to them that they owe debts that DRA can settle for less. In most cases – there isn’t even a debt owed…
The Consumer Financial Protection Bureau (CFPB) is a government organization, which accepts and assists with complaints about the following consumer product or service issues: Bank accounts or services Credit cards Money transfers Mortgages Student loans Vehicle or consumer loans The process is pretty simple. First, go online to their website…
If you get served with court papers, you are being sued by someone (person or business entity). For the sake of this discussion, let’s say you are being sued by a creditor over a debt you did not pay (or they say you did not pay). If you don’t show…
Yes, you can stop debt collectors from calling you. Federal law, the Fair Debt Collection Practices Act, (“FDCPA”) requires debt collectors to stop calling if you send them a written request. Once your written notice for telephone calls to stop has been received by a debt collector, financial penalties of…
The Fair Debt Collection Practices Act (FDCPA) prohibits abusive and deceptive collection tactics. This means that the debt collectors cannot insult you, threaten you, trick you, lie to you, or harass you with phone calls at all hours. This law applies only to third-party debt collectors and does not apply…
A garnishment is an order from a court that is sent to your employer requiring them to withhold certain amount of money from your paycheck. This money is then sent to the creditor. Mississippi law limits the amount of money that your creditors can take from your wages to 25%.…
In order for a creditor to garnish your wages, they must first file a lawsuit regarding the debt in question and receive a court judgment in their favor (win the lawsuit). Once this occurs, they will receive an order of garnishment also referred to as a writ of garnishment. This…
The federal Fair Credit Reporting Act (FCRA) was created to promote accurate, fair, and private filing of information by consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (those that sell information about check writing history, medical records, rental history, etc). Most…
Most of my clients come to me after a garnishment has been sent to their job. A few come to see me as soon as they are served with the lawsuit. I wish they would come to see me on the day they get sued, but that is not always practical.…
I have been flooded with inquiries from people in the Jackson, Pearl, Brandon, and Madison cities of the metropolitan area who have been scared to death by collection agencies. The caller usually claims to be a detective or some sort of officer and states that they are on their way to your house to take you…