Can a Debt Collector Come to My House?

Bankruptcy attorneys have long known of the disgraceful collection tactics of debt collectors and subprime lenders. Fortunately, federal and state laws protect consumers from many nasty collection practices, such as telephone harassment in the middle of the night. Recently, the Los Angeles Times reviewed Capital One’s new credit card contract. You know, that document that comes with your credit card …

Stopping Creditor Calls to Your Cell Phone

Being unable to pay your bills can make you feel powerless. Nasty letters and phone calls can ruin your day, especially when a collector calls your cell phone during work or while you are with friends. Fortunately, there are several consumer protection laws that can redistribute the balance of power and bring you some peace. One powerful protection is the …

Help! Debt Collectors Call After Bankruptcy!

The discharge order from the Bankruptcy Court creates a permanent injunction against the collection of all of your discharged debts. This injunction applies to the original creditor, a subsequent debt purchaser, all third party debt collectors, and any collection attorney. The discharge injunction comes straight from a federal bankruptcy court judge and is enforced through the court’s contempt power. Violators …

Shameful Debt Collection Scheme

Attorneys, including bankruptcy attorneys, often hear the same tired refrain from clients, “I don’t owe that debt!” Often the individual is mistaken, because most creditors do not pursue collection actions for debts that do not exist. However, for every general rule there seems to be an exception.  In this case the exception is Kirit Patel, who formed an elaborate scheme …

Debt Collection Lawsuits Often Flawed

The recent foreclosure crisis revealed serious abuses by mortgage companies and collection firms. In many cases lenders would produce inaccurate documents without review, a practice called “robo-signing.” In other cases it was not clear if the suing lender was the rightful owner of the mortgage note. These shoddy practices resulted in a huge government attack on the foreclosure process. Earlier …

9 Tactics Hospital Debt Collectors Use in Las Vegas

Times have not been good for hospitals in the U.S. Large numbers of Americans do not have health insurance, but they get sick and injured just the same, which causes them to amass a lot of medical debt. When they get sick again they often have no choice but to use their credit cards or accept emergency care. As a …

6 Reasons for Las Vegas debtors to Use Certified Mail with Creditors

A creditor-debtor relationship is rarely friendly. The business aspect will nearly always take precedence over any other aspect of your relationship with an acquaintance, much less a bank. The point, though, is not to give advice about how to handle debt issues with personal relations. Rather, the concern is your relationship with corporatized creditors: banks, mortgage servicing companies, credit card …

Debt Settlement and Your Taxes

Debt settlement ads are very attractive to individuals struggling with debt. The promise is to reach an agreement you can afford to pay. The debtor agrees to pay a percentage of the debt (usually in a lump sum), and the creditor agrees to release the remaining obligation. Sounds simple, right? Unfortunately, many times the debtor will receive a nasty surprise …

5 Reasons to Take Notes When Speaking to Debt Collectors in Las Vegas

Bottom line: Las Vegas debt collectors want to get paid. They aren’t known for their politeness, and people who don’t have money to pay their debts don’t like talking to creditors demanding it. Debt collectors will use as many methods at their disposal as they can to contact debtors to get their money. Often these practices are considered harassment; in …