800-219-3577Has a debt collector sued you, and then told you the paperwork you got was not a lawsuit?
DEBT COLLECTORS ARE NOT ALLOWED TO TELL YOU LEGAL PROCESS IS NOT A LAWSUIT OR THAT YOU DO NOT HAVE TO ANSWER. Has a debt collector sued you, and then told you the paperwork you got was not a lawsuit? Debt collectors and creditors have been known to file lawsuits and then lie to the […]
Who is calling me from 800-279-9048?
If you are getting calls from 800-279-9048, they are from IC System, Inc., a debt collection agency headquartered in St Paul, Minnesota. The agency provides debt collection services to a wide range of clients including healthcare providers, utility companies, government agencies and educational institutions. Contact Information: 444 Highway 96 E Saint Paul, MN 55127-2557 Phone: […]
Is A.C.A. Recovery, Inc. Harassing You?
A.C.A. Recovery, Inc. is a collection agency located in Ridgewood, New Jersey. The agency has been doing business since 1998 and also uses the names ACA Recovery and Accredited Collection Agency. Contact Information 50 E. Ridge Ave. #395 Ridgewood, NJ 07450 Phone: (800) 356-3713 The Consumer Financial Protection Bureau (CFPB), a federal agency created to help ensure […]
Creditor Harassment: How to Sue for FDCPA Violations?
The Fair Debt Collection Practices Act (FDCPA) has been implemented and used for many years. As debts and credit are used as collateral in everyday life, there are bound to be moments where attempting to pay for the debt can be challenging for those working day to day. It also doesn’t help when debt collectors […]
Who is calling me from 1-800-444-1944?
Are you receiving harassing phone calls from 1-800-444-1944. This number belongs to BCA Financial Services, a debt collection agency located in Palmetto Bay, Florida. The agency provides debt collection services to medical and healthcare providers. Contact Information: 18001 Old Cutler Rd STE 462 Palmetto Bay, FL 33157-6437 Phone: (305) 909-2200 and 1-800-444-1944 http://www.bcafs.com/ Complaints for FDCPA violations […]
How Long Do Late Payments Stay On My Credit Report?
The length of time a credit-related event may be reported on a consumer’s credit report depends on the event type. Hard credit inquiries, for example, may remain on a credit report for up to two years. A late payment, on the other hand, will typically remain on a credit report for seven years. Indeed, a […]
Has a debt collector ever used abusive or profane language when speaking to you?
Has a debt collector ever used abusive or profane language when speaking to you? Receiving a call from a debt collector can be unnerving and intimidating. Many debt collectors are aware of this, and some will use tactics to intimidate you into making payments. The FDCPA protects consumers from harassing and abusive behaviors. A debt […]
Is Encore Receivable Management Calling or Harassing You?
Encore Receivable Management, Inc. Encore Receivable Management, Inc. (ERM) is a third-party debt collector that serves wireless and cable communications, banks, credit cards, and automobile lenders. The company was founded in 1999 and is based in Olathe, Kansas with additional locations in Lenexa, Kansas and the Philippines. ERM is not accredited by the Better Business […]
How Do I Dispute a Tradline with Experian?
Experian is one of three major U.S. credit reporting bureaus, each of which is regulated by the Fair Credit Reporting Act (FCRA). In addition to other consumer credit fairness and privacy provisions, the FCRA regulates the types of credit-related financial information (or “trade lines”) a reporting agency like Experian can use to calculate a consumer’s credit score […]
Did you purchase a vehicle with flood or hurricane damage?
With climate change comes more severe weather patterns, including devastating hurricanes and tropical storms that last longer than ever in our lifetimes to date. In California, we have seen a rise in fires over the last several years, which has created hazard for flooding and erosion. One of the little discussed effects of increased flooding […]