What does accuracy really mean under the Fair Credit Reporting Act? Learn how courts define inaccurate reporting and your right to dispute. Free consultation.

Robocalls are on the rise across the nation: These unwanted calls have become a widespread problem over the years, and they’re only getting worse. Last month, 4.1 billion robocalls were placed nationwide, according to an estimate from call-blocking service YouMail. That’s up from 2.7 billion in February. And Texas leads as the most robocalled state:

What must a debt collector provide when you request verification under the FDCPA? Learn what counts as proper validation and your rights. Free consultation.

Use free debt validation and dispute letter templates to respond to collectors under the FDCPA. Learn when and how to send them. Free consultation.

The National Consumer Law Center has published a new article advising consumers on wage garnishment and bank account seizures.  This topic is especially important considering how third-party debt collectors often say or imply that they can take your money without the going through the judicial process.  As the article points out, there are only two exceptions

A mixed filed is when credit information from one person in incorrectly placed in the credit file of another person.  For instance, a person named John A. Smith living in Dallas, Texas may pull his credit report and see a debt collector reporting an eviction debt belonging to a \”John Smith\” living in Houston, Texas. 

When a debt buyer or debt collector sues a consumer, it must prove it owns the debt and the amount is correct.  This makes sense because debt buyers are, essentially by definition, not a party to the original agreement.  They rely on the evidence and testimony of others.  Situations like this also happen: A Norfolk

Sued for account stated? Learn what this common debt-collection claim means, how to respond, and your defenses in Texas and Alabama. Free consultation.