Debt

$19.7 Million Settlement Against Navient for Debt Harassment

National loan servicer Navient Solutions, Inc. (formerly Sallie Mae Inc.) agreed to pay $19.7 million after a class action lawsuit for violating the Telephone Consumer Protection Act (TCPA). Navient was charged with making thousands of automated voice calls to the wrong number. Navient Solutions repeatedly autodialed consumers that allegedly owed them student loan payments;  however,…

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Questions to Ask Before You Pay a Debt Collector

Debt collectors are well-versed in the rules and regulations surrounding debt and repayment. Unfortunately, most Americans are not as knowledgeable about these rules, and debt collectors take advantage of their naiveté. The Federal Trade Commision (FTC) Americans report debt collectors more than any other type of business each year, showing that debt collector violations and…

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How Do Collection Accounts Affect You and Your Credit?

Debt is a common occurrence in today’s society and causes stress to millions of Americans each year. Dealing with debt collectors is often overwhelming and seems to make everything a bit worse. If you do find yourself in debt, it’s important to arm yourself with information about debt collection so that you can prepare yourself…

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The Mini Miranda and Fair Debt Collections Act

Similar to how law enforcement must read you your rights before an arrest, there are specific protocols third-party debt collectors must follow to ensure you understand the debt-collection process. When a debt collector contacts you by phone or mail, one of the first things they’ll state is the “mini Miranda.” The debt collector will say…

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Recent FDCPA Court Victory

The Law Offices of Jibrael S. Hindi recently won a lawsuit for a Florida man after a debt collector violated the Federal Debt Collection Practices Act (FDCPA). The trial was about collection jurisdiction and who can collect a debt in the state of Florida without a collections license. After a tough fight with two motions…

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How Debt Collection Companies Work

Have you recently started receiving debt collection calls for past due loan or credit card payments? If this is your first interaction with a debt collector, you may have many unanswered questions like “What happens if I ignore debt collection calls?” or “Can a debt collector really  garnish my wages?” These are legitimate worries and…

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How Debt Collectors Are Jailing Debtors

The practice of jailing debtors was outlawed in 1833. Yet and still consumers in 2018 continue to share a pressing inquiry: “Can I go to jail for defaulting on debt payments?” As unfavorable as it may be to default on a loan or credit payment, it cannot directly result in you being handcuffed, booked, and…

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FDCPA Violations in Debt Collection Letters

Debt collectors are known for taking drastic measures to recover payment. Whether it be sending multiple text messages to your cell phone or calling relatives, they will do whatever they deem necessary to get you to pay up. However, debt collectors are not above the law. The Fair Debt Collection Practices Act (FDCPA) limits the…

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Can a Debt Collector Report Me to the IRS?

A call from a debt collector is rarely a welcoming one. They are likely calling as a result of several missed payments or to update you on the status of your account. These calls aren’t meant to be intrusive or harassing, but many companies take that route as they’re used to dealing with elusive debtors.…

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Getting Fake Calls to My Cell Phone, What Gives?

Our phones are sacred devices. More than a hunk of metal jam-packed with technology, cell phones have become intimate devices that people hold dear to their heart. This is understandable as spending almost a $1,000 for a cell phone has become the norm. With so much invested in them, people want to protect them at…

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