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Blog Posts in June, 2016

Feds Crack Down On Phantom Debt Collection Schemes

The Federal Trade Commission (FTC) recently began Operation Collection Protection, a plan to shut down phantom debt collection schemes running rampant across the country. These schemes trick consumers ...
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Can Debt Collectors Use Your Social Media Accounts to Track You Down?

Nearly everyone has some type of social media account, from Facebook to Twitter to Instagram. While most people use these accounts to keep in touch with family and friends, debt collectors may be ...
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Debts You Can't Discharge in Bankruptcy

Bankruptcy helps hundreds of thousands of people every year clear out old debts and get a new financial start. However, there are some debts that a bankruptcy cannot erase, and will stay with the ...
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What Are Your Alternatives to Foreclosure in Florida?

Facing foreclosure can be a difficult prospect, especially if you want to stay in your home. In addition to the threat of losing a house you love, foreclosure can have serious financial repercussions ...
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FHFA Announces Principal Reduction Program for Homeowners

The Federal Housing Finance Agency (FHFA) recently announced that some homeowners will now be eligible for a principal reduction on their mortgages, which will help the owners stay in their homes. The ...
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Damages You Can Receive If a Debt Collector Violates The FDCPA

Everyone has the right to be free from abusive debt collection techniques and creditor harassment, no matter how much money they may owe. When a debt collector violates the Fair Debt Collection ...
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What Are Your Options If a Debt Collector Violates The FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unethical and unfair debt collection practices. The law came about after Congress decided to take action ...
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What Property Is Exempt During a Chapter 7 Bankruptcy?

Bankruptcy cases are meant to help individuals and companies receive a fresh financial start in life. For debtors who do not have many assets or much income, most debts can be discharged, or wiped ...
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What Debts Can Be Discharged in A Bankruptcy?

Bankruptcy cases allow individuals, known as debtors, to discharge certain types of debts. A bankruptcy discharge means that the debt is wiped out and the debtor can never be responsible for paying ...
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Battling Zombie Debt Collectors: Know Your Rights and Options

Zombie debt collectors and debt scavengers sound like the villains in a low-budget horror film. In reality, they are much scarier. These very real people and companies specialize in bringing debts ...
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Debt Collection Company Complaints Spike, Florida Leads Country in Number of Complaints

Have you been harassed by debt collectors using unethical or illegal tactics? If so, you are not alone. According to the Federal Trade Commission (FTC), Florida residents reported some of the highest ...
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Can Debt Collectors Garnish Social Security Disability Income or Other Government Benefits?

If you are one of the millions of people who rely on government benefits to make ends meet, money is probably tight. If you owe money on an old debt or closed account, you may be worried that the ...
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Can Debt Collectors Add Fees or Other Costs to What You Owe?

If you default on a debt like a loan or a credit card bill, your debt will eventually be sold to a collection agency. While the initial debt would have been owed to a bank or a credit card company, ...
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Can You Get a Wage Garnishment Removed?

A wage garnishment can be an unexpected and unpleasant surprise. When a creditor takes money out of your bank account or directly out of your paycheck, it can be difficult to make ends meet. If you ...
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When Can a Debt Collector Garnish Your Wages?

If you owe money on a debt, the debt’s owner has several options to try to collect. One of the most effect methods for debt collection is wage garnishment. A wage garnishment allows a debt ...
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3rd DCA Reverses Course On Foreclosure Statute of Limitations

For the past several years there has been confusion among Florida courts about how the statute of limitations works in foreclosure cases. The main point of contention is the point when a bank becomes ...
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Signs of a Loan Modification Scam

Loan modifications have helped thousands of people make their mortgages more affordable and avoid foreclosure. For that reason, many homeowners are desperate to get a modification approved, and have ...
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4th DCA Rules for Homeowner, Finds Bankruptcy Protected Home From Sale

A Wellington homeowner recently received relief from her foreclosure after the 4 th District Court of Appeal reversed a wrongful foreclosure pursued by her homeowner association. Marie Alexandre of ...
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Can A Bank Refuse To Honor A Loan Modification?

Getting a loan modification can be a complicated process. During a modification, homeowners put up with their mortgage lender’s never-ending requests for documents and financial information ...
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TCPA $50k Judgment

At Loan Lawyers, we aggressively pursue banks and debt collectors for debt collection violation in both State and Federal Court. We often find violations of the Fair Debt Collection Practices Act, the ...
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Fight Back Against Illegal Debt Collection Tactics

People who owe money to debt collectors are often unsure of their rights. Many people feel guilty that they cannot afford to pay off an old debt, and often feel like they have no choice but to put up ...
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Defending Yourself From Debt Buyers

If you owe money on an old credit card, medical bill, or other expense, you have likely been contacted by a debt buyer. Debt buyers purchase outstanding debts from the companies who are owed money. ...
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