Can an original creditor (not a 3rd party debt collector) still be sued for harrassment?

You are correct. The FDCPA does not apply to original creditors, like GE Money Bank. However, some states, such as California, give consumers...

Am past due on a personal loan, they are calling and coming to my job, is that legal?

Who do you owe the money to? Is it on your credit report?

Yes in 2007 i got a paday loan and made payments and then lost my job and filed bankruptcy,never heard any more about the matter

Be careful when dealing with payday loans. Often times, scam companies are associated with payday loans. Therefore, make sure you are actually...

How do we get our credit report updated?

You should dipute your credit report. The information in your credit report is used to evaluate your application for credit, insurance,...

Be careful when dealing with payday loans. Often times, scam companies are associated with payday loans. Therefore, make sure you are actually...

Does FDCPA apply to judgment recovery agency?

Yes, the FDCPA covers consumer judgments. Under the FDCPA, the term debt means any obligation or alleged obligation of a consumer to pay money...

What can I do to correct this error? Also do I have the right to seek money damages? How can we determine why this is my record?

You need to dispute the information in your credit report. The information in your credit report is used to evaluate your application for...

Trying to buy a house but the ONLY negative mark on my credit is a default judgement of $2500.

I agree with the other attorney, Frank. Do you owe the debt? If so, negotiate a payment, and then request a satisfaction of judgment you it's...

My payday loan is in default and it has been turned over to collections, I have spoke to the agency but I'm still getting

This is likely a scam. You should ignore the calls and ask your phone company to block the number. Do not give any of your personal information to...

Selected as the best answer

ATT sent a bill to collection that I did not owe.

You should dispute the debt. The information in your credit report is used to evaluate your application for credit, insurance, employment, and...