Are collection agencies harassing you for a debt you don’t owe? Are you feeling lost, confused, helpless, and not sure how to deal the crisis? If this is the situation, debt validation could certainly be a weapon that would help you combat collection agencies. Now, you might be thinking what debt validation is all about. [...]

Phone calls from our near and dear ones are always welcomed by us, but not from debt collection agencies. Ironically speaking, if “being in debt” is a cake, calls from debt collectors serve as icing on it. Well, if you ever receive a call from any agency identifying them as a debt collection agency, beware! [...]

The Fair Debt Collection Practices Act, FDCPA, ensures guidelines for debt collectors while collecting a debt. The sole purpose of the FDCPA is to abolish the use of abusive, deceptive and unfair debt collection practices. According to the FDCPA guidelines, there are certain things that the debt collectors cannot do. Go through the FDCPA guidelines [...]

The worst anxiety that bothers a consumer is creditor harassment and annoying debt collection practices. Harassments range from pestering phone calls, unlawful garnishments to social abuse showered by debt collectors in their attempts to make collection on delinquent accounts. Often intimidated debtors fail to tackle such harassments and continue to suffer with it.

A sudden increase in FDCPA lawsuit filing against unfair practices of debt collection has been noted in recent times. Over 850 different debt collection agencies and creditors were named in about 950 distinct consumer statute lawsuits in May 2010. And the figures are estimated to shoot up even higher by the end of 2010. Most [...]