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Michael Stephen Agruss

Michael Agruss’s Legal Guides

21 total

  • Fair Debt Collection Practices Act

    The FDCPA is essentially a laundry list of what debt collects can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.

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  • Debt Collection Harassment Laws Protect You Even If You Do Not Owe The Debt

    The Fair Debt Collection Practices Act (FDCPA) as been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. Its purposes are to eliminate abusive practices in the collection of consumer debts, to p...

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  • Requesting Debt Validation and Disputing Your Debt

    The Fair Debt Collection Practices Act (FDCPA) has been around for over 30 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. Its purposes are to eliminate abusive practices in the collection of consumer debts, to pr...

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  • A Laundry List of Debt Collection Violations

    The Fair Debt Collection Practices Act (FDCPA) as been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is essentially a laundry list of what debt collects can and cannot do while col...

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  • California Rosenthal Fair Debt Collection Practices Act

    Although the Fair Debt Collection Practices Act (FDCPA) applies to every state, not all states provide its residents additional protection from collectors like California provides its residents under the Rosenthal Fair Debt Collection Practices Act (Rosenthal Act). In other words...

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  • Damages in Debt Collection Harassment Cases

    The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (Rosenthal Act) provide two types of damages for consumers: actual damages and statutory damages. Actual damages include emotional distress and any type of out-of-pocket expenses. ...

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  • Who Pays My Attorney’s Fees and Costs in a Debt Collection Harassment Case?

    The Fair Debt Collection Practices Act (FDCPA) as been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is essentially a laundry list of what debt collects can and cannot do while col...

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  • How To Dispute Your Credit Report

    The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether youve been sued or arrested, and whether youve filed for...

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  • Get a Free Copy of Your Credit Report

    The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether youve been sued or arrested, and whether youve filed for...

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  • Stopping Collection Calls At Work

    The Fair Debt Collection Practices Act (FDCPA) has been around for almost 35 years. The FDCPA is a federal law that applies to every state.In other words, everyone is protected by the FDCPA.The FDCPA is essentially a laundry list of what debt collects can and cannot do while coll...

    Read more