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How to Bring a Lawsuit Against a Collection Agency

How to Bring a Lawsuit Against a Collection Agency

Even when they are well within their rights, collection agencies can be incredibly intrusive, but what are your options when they cross the line? When a collection agency behaves in a way that violates Federal Trade Commission (FTC) regulations, you can sue it. You will need careful records to prove
How to Use Litigation to Control Debt Collection Agencies

How to Use Litigation to Control Debt Collection Agencies

Debt collection is a growth industry in the United States. Traditionally, many debt collection firms used harassment and intimidation while attempting to collect past due debts. There are, however, strict laws governing debt collection and collectors can be sued for violating these laws. Congress en
FCC Call Time Rules for Collection Agencies

FCC Call Time Rules for Collection Agencies

Federal law limits the time and frequency that collections agencies can call debtors.woman talking on cell phone / mobile phone image by Katrina Miller from Fotolia.comFederal law limits the time and frequency at which collections agencies can call debtors. The federal Fair Debt...
How to Leave a Home While Buying Another

How to Leave a Home While Buying Another

Both buying and selling a home are complicated processes, especially if you are attempting to do both at the same time. On one hand, selling your home before buying another may leave you with no place to live. On the other hand, purchasing another home before selling the one you already have could l
How to Fill out a Hardship Affidavit on a Loan Modification

How to Fill out a Hardship Affidavit on a Loan Modification

If you are having difficulty making your monthly mortgage payments, a mortgage loan modification may lower your payments to help you avoid foreclosure. If you are behind on your payments, a modification can also bring your account current, which may improve your credit rating over time. As part of t
Does My Credit Go Up After Paying a Collection Agency?

Does My Credit Go Up After Paying a Collection Agency?

Paying all or part of a debt that your creditor or lender sends to a collection agency won't raise your credit score. Even so, paying a collection account could prevent a collector from taking legal action against you, and full repayment could help you qualify for new loans.
The Consumer Packaging & Labeling Act

The Consumer Packaging & Labeling Act

Enacted in 1967, the Fair Packaging and Labeling Act directs the Food and Drug Administration and the Federal Trade Commission to issue rules mandating the labeling of all consumer commodities.
Penalty Interest Rates Act

Penalty Interest Rates Act

The Penalty Interest Rates Act was enacted in Australia in 1983. The act provides for the establishment of the penalty interest rate applied to debts arising from court orders or judgments, or amounts designated under specific legislation.
What Are Four-Pronged Tests for Determining Whether a Car Is a Lemon?

What Are Four-Pronged Tests for Determining Whether a Car Is a Lemon?

A car is a complex mechanism and performance can fail.New car petrol engines image by Christopher Dodge from Fotolia.comA new-car lemon is a vehicle that fails to conform to the manufacturer's new-car warranty at the time of original delivery, and is incapable of being repaired after a...
Housing & Consumer Credit

Housing & Consumer Credit

Credit and housing seem to walk hand-in-hand today, particularly in terms of evaluating whether a person should be given additional financing or housing as a renter. Since government laws make it clear housing cannot be provided or denied based on certain specified categories (i.e., race, gender, re
How to Report Illegal Practices by a Business

How to Report Illegal Practices by a Business

Some businesses do not always have their consumers' best interests at heart. They carry out deceptive and illegal practices to scam people out of their money. If you have been a victim of illegal practices by a business, you must report it. This will not only help you in possibly recovering your los
Food Label Safety

Food Label Safety

Requirements for food labeling are designated by two acts: the Federal Food, Drug, and Cosmetic Act, and the Fair Packaging and Labeling Act. The Secretary of Health and Human Services and the Federal Trade Commission enforce the Fair Packaging and Labeling Act, while the Food and Drug Administratio
The Tennessee Statute of Limitations to Collect Debt

The Tennessee Statute of Limitations to Collect Debt

The statute of limitations is a principle of procedural law that prohibits the filing of a civil lawsuit after the expiration of a specified period of time. The Tennessee statute of limitations on debt collection seeks to ensure that resort to the civil court system to recover money owed is conducte
Underwater Mortgage Options

Underwater Mortgage Options

When a mortgage is “underwater,” this means that the value of the home is less than the amount that the owner still owes in mortgage payments. This can occur for a variety of reasons, from falling behind in mortgage payments to a decrease in property values. For homeowners who...
Safety Rules for LED

Safety Rules for LED

LED lighting technologies are used for traffic lights, airport runways and numerous other purposes.green light image by Uolir from Fotolia.comLED is a large company that manufactures and distributes various lighting products and innovative lighting technological information to Europe and...
How to Fight a Collection Agency

How to Fight a Collection Agency

Collections agencies are infamous for harassment and intimidating practices that scare people into paying. The laws of debt collection favor the debtors, but usually the debtors are unaware of their rights. With just a little bit of knowledge, it's possible to fight a collection agency and stop the
Mortgage Modification Regulations

Mortgage Modification Regulations

The U.S. government helps struggling homeowners save money by modifying mortgage agreements.coins image by Petr Gnuskin from Fotolia.comIn 2009, the United States government created the Home Loan Modification Program to help struggling homeowners pay their mortgages during the economic...
Rules & Regulations for Maryland Collection Agencies

Rules & Regulations for Maryland Collection Agencies

The state of Maryland has laws in place to protect consumers from unlawful collection agencies.money image by Horticulture from Fotolia.comWhen consumers fall behind on on their monthly debt payments, many companies have no choice but to turn the accounts over to a collection agency in...
What Can I Expect From a Judgment If I Have No Job?

What Can I Expect From a Judgment If I Have No Job?

A court judgment is the result of a creditor's lawsuit against a consumer who owes the company. One of the primary ways a judgment benefits creditors is by giving them the ability to garnish the debtor's wages. A creditor cannot garnish your wages if you do not have a job -- but that does not mean t
Laws on Used Car Sales in Florida

Laws on Used Car Sales in Florida

Several Florida laws govern the process of selling and buying a used car.classy car for sale image by itsallgood from Fotolia.comAmericans spend $85 billion on 17 million used cars every year, according to the Florida Department of Agriculture and Consumer Services. Floridians who are...