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Fair Debt Collection Practices Act
time-barred debts

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...
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debt collectors calling cell phone

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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