Millions of Americans are receiving their stimulus checks from the federal government during this time. Many of these Americans have judgments against them or active garnishments from previous creditors or debt collectors. This causes a problem as to who is entitled to the funds — can the consumer keep them or does the debt collector […]

The recent Coronavirus pandemic has wrecked havoc on the economy and on the finances of many Americans. While the federal government has taken steps to help, as on now, there appear to be no breaks for credit reports and credit scores. As the Wall Street Journal reports: Legislation that would have prevented credit bureaus from

A self-help car repossession in New Jersey took a terrible turn when the repo agent took a car with a toddler in it: Police say the father put the child in the car outside their East Orange home Wednesday morning before returning inside to grab a bottle. When he returned, the car had been towed

The 9th Circuit Court of Appeals issued an opinion in Ramirez v. Trans Union, LLC this week. This case is important because it deals with willful conduct under the Fair Credit Reporting Act (FCRA) and the available punitive damages. The case involved Trans Union inaccurately including information that the consumer was on a terrorist watch

A story recently came out that lawmakers are interested in changes to the Fair Credit Reporting Act (FCRA) and it shows how the Act may evolve. The Yahoo story on the current bill in Congress reports: The bill would require credit reporting agencies (CRAs) to remove negative comments for private student loan borrowers after completing

Law enforcement in Pennsylvania has charged a man with attempted homicide after firing a gun during a repo of this truck: Police say the operator hooked up the truck and began to drive away when a woman ran out of the house after the truck followed by a man waiving a handgun. The man, later

Is someone else\’s information on your credit report? Learn how mixed-file errors happen and how to fix them under the FCRA. Free consultation: 205-378-8121.

A troubling story out of Kansas regarding medical debt collectors having debtors arrested for not showing up for court so that they can be questioned for assets: If a debtor missed an exam, the judge typically issued a citation of contempt, a charge for disobeying an order of the court, which in this case was

The Consumer Data Industry Association has sued the state of Maine to prevent new consumer laws from going into effect. As reported by WGME 13, the new laws are: One of the laws prevents reporting agencies from reporting medical debt on a consumer report until the debt is 180 days old and instructs agencies to