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FDCPA May Require a Warning of Debt Increase

By Law Offices of Jibrael S. Hindi | Aug 15, 2016

When a debt goes to collections, it may mean that a collection agency has purchased the debt from a creditor, such as a credit card company or bank. A person’s debt is purchased for a fraction of the value of the debt itself for as little as 3-10 cents on the dollar. The collection agency…

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Florida Telephone Consumer Protection (TCPA) Lawyers

By Law Offices of Jibrael S. Hindi | Aug 15, 2016

The TCPA & How You Can Recover Under Robocalls The TCPA is the FCC’s response to over 150,000 complaints each month by consumers that they are being harassed by predatory robocalls. A robocall is an automated phone call that is made with autodialing technology. This special computer software dials numbers automatically and requires no human…

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Florida Head of Household Exemption

By Law Offices of Jibrael S. Hindi | Jul 25, 2016

Wage garnishment is a last resort approach that debt collectors utilize to gather the debt owed to them. The process begins when a court order, or judgment, is approved to be held against the debtor, at which point a percentage of his or her wages are sent directly to the entity to which the money…

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Wells Fargo Settles over TCPA Violations

By Law Offices of Jibrael S. Hindi | Jul 20, 2016

Yet another national banking giant agrees to pay a whopping settlement to a Telephone Consumer Protection Act (TCPA) lawsuit. As of June 30th, Wells Fargo Bank is due to reimburse over three million customers a serious sum for its alleged TCPA violations. The violation: contacting consumers’ cellular phones by using an automated telephone dialing system…

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When is a Court Order Not Necessary for Wage Garnishment?

By Law Offices of Jibrael S. Hindi | Jul 18, 2016

Wage garnishment is permissible in all 50 states, with most states having their own set of specific rules and exemptions. Some states abide solely by the federal model and do not provide additional protections. Chapter 77 of the Florida Statutes outlines the details of Florida wage garnishment law. In general, wage garnishment occurs when a…

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JP Morgan Chase Settles for $3.75 Million

By Law Offices of Jibrael S. Hindi | Jul 13, 2016

A class-action lawsuit filed against one of the nation’s largest banking institutions was resolved late last month in a Florida federal court. JP Morgan Chase reached a settlement of over $3 million in response to the accusation that the bank used an automatic telephone dialing system (ATDS) to call cell phone numbers that had been…

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Woman Awarded 83 Million

By Law Offices of Jibrael S. Hindi | Jul 11, 2016

Every now and again there are instances in which a routine debt collection call sparks a series of unprecedented events that lead to a wild and unexpected outcome. In one such instance, a Missouri woman from Kansas City was targeted by a debt collector for a debt that, she insisted, was not hers. Refusing to…

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By Law Offices of Jibrael S. Hindi | Jul 6, 2016

A large investigation by ProPublica last fall uncovered a shocking fact: debt collectors target minorities; in particular, African Americans. Debt collection lawsuits were revealed to be much more common in minority communities in the large metropolitan areas where the investigation was led. Major metropolitan cities like St. Louis, MO; Chicago, IL, and Newark, NJ all…

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By Law Offices of Jibrael S. Hindi | Jun 29, 2016

As modern communication technology advances, so too does the harassment by unlawful debt collectors. Although many debt collectors do their best to abide by today’s consumer protection laws, too many take advantage of technology to engage in unlawful conduct such as violations of privacy. In fact, the majority of complaints filed to the Federal Trade…

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