The FDCPA would apply to the collection agency, but not to Verizon. However, there are other laws that may come into play here. For example, North...

It depends on the ultimate disposition of your case. If the case was dismissed, the arrest record could be reported for up to seven years. If the...

This will depend, at least in part, on whether the record at issue is an arrest (subject to 7 year reporting period) or a conviction (not subject...

Will a charge that was dismissed and I did not get arrested for show on a background check?

While the dismissal would remain in the public record unless expunged, dismissals are not typically included in employment background checks that...

Background checks rely on third party databases that are often inaccurate. If you get an expungement you should also request free background...

Remove the co signer from car titles even when they are refusing and I have paid them both off

If the co-signer is identified as an owner on the car titles, this would involve complicated factual and legal issues (i.e., whether there is an...

Sealing Records in NC

NC has many different expungement statutes and determining which, if any, you qualify for would require more information than you'd want to post...

Judgement

This is a frustrating situation! Someone retains the right to collect on the judgement (whether by contract or by operation of law), but it is hard...

Under what circumstances can an original creditor accept payment on a charged-off account?

You have 30 days from the new collector's first contact to request validation of the debt (in writing). Evidence of inaccuracy can be submitted...

Old evictions on public records

Try requesting a copy of the background report from the landlord. If the eviction information is inaccurately reported or older than 7 years old, a...