Does the Fair Debt Collection Practices Act apply to a company that buys judgments and then tries to enforce them?

In a word: yes. Whomever purchases an account receivable when it is in default is subject to the FDCPA.

Has your employer been notified of the fact that the loan has been paid off in full? Contact the collection agency immediately and, politely, have...

Is it fraud for a lender to try to collect a charged off debt?

No, it is not fraud. A charge-off is an accounting process whereby a creditor takes a loss on its books and obtain a more favorable tax position. ...

Can an attorney file criminal charges against someone who has a credit card debt?

The call is so bad for so many reasons. First, in the absence of criminal fraud, the failure to pay on a credit card is not a crime. In my...

Can they pursue me in anyway while I live, work and bank in America?

Your question makes use of the term: "pursue me". The status of international treaties has nothing to do with a creditor having access to the...

It is my understanding that the debt consolidation firm Chase referred you to is actually affiliated with Chase. Whether you should file for...

I rent a home in florida for the past 8 months. Included in contract is internet services. Owner has not paid for

And, a supplement to my prior answer: do you really want to go to war over 5 months' internet service? You can be right, but then get involved in...

I rent a home in florida for the past 8 months. Included in contract is internet services. Owner has not paid for

Yes, the owner is in breach of the contract. You have the right to give the landlord a 7-day to cure notice, which should be sent by certified...

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Civil court records show my foreclosure cased being closed.

Let me supplement Mr. Deason's excellent response, which is based upon the procedures in Florida. What a lot of folks do not realize is that...

If a house in a Homeowners Assn goes into foreclosure, is the HOA required to be named as a defendant along with the owner?

It is "legal" not to name the HOA in the suit, but it might be malpractice for the Plaintiff's attorney not to do so. What a foreclosure suit...

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