admin, Author at Patric Lester and Associates

January 2, 2020

3 Reasons Why You May Not Want to use Credit Repair Companies

First: The reason you are likely having troubles may be inaccurate or obsolete information, not just negative credit. Many credit repair clinics try to abuse the system and get accurate information removed by a procedural ploy of disputing the account and hoping that the creditor fails to respond. We, on the other hand, go after...

admin

January 2, 2020

5 Ways to Find Out How Experienced a Lawyer Is

Sure you can Google, Facebook and Twitter a lawyer and they can write anything they want on their website. But for the hard facts try these. 1. Are they licensed in your state? Verify that they are licensed at the State Bar Association’s web site and see if and when they got their license. Missouri,...

admin

January 2, 2020

Time-Barred Debts

What Are Time-Barred Debts? There’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you. “Time-barred” debts are debts so old they are beyond the point at which a creditor...

admin

January 2, 2020

Gathering evidence for your robocalling cell phone or spam text case.

To gather evidence of the calls you can take the following steps. They are listed by priority. When convenient (not when driving or in a meeting) answer the calls you believe are from any caller be it a debt collector or a solicitation call (should be the same number or numbers on caller ID) and...

admin

May 18, 2016

Supreme Court Gets It Right in Spokeo

Spokeo, Inc. v. Robins “Corporations took a shot at gutting America’s privacy laws, and they missed.” – Paul Bland The Supreme Court has held in Spokeo, Inc.v. Robins, that, in a nutshell, consumers are injured even if they don’t lose money on credit report violations. Corporations can’t get away with violating consumers’ rights under the...

adminConsumer Privacy Rights

May 18, 2016

Harassed by Scammers?

Harassed by Scammers? While the Telephone Consumer Protection Act, (“TCPA”) protects you from unwanted robo calls it doesn’t help with illegal scammers. You could sue them if you could find them but you usually can’t. However, there is plenty you can do though. If you think you are being contacted by scammers that are not...

admin

February 4, 2016

Debt Collectors Calling Your Cell? What is the TCPA?

Debt Collectors calling your cell? A lot of people think it is OK for a bill collectors and salespeople to call or text you on your cell. Well, most of the time, a lot of times it’s not… and it can cost them $500 to $1500 a call under the Federal Telephone Consumer Protection Act...

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