tag:blogger.com,1999:blog-105125322024-03-08T02:05:33.040-08:00FDCPA EXPERTFDCPA EXPERT brings you the annotated statutes which is what must be used to obtain correct information about FDCPA. It will free you of reliance on any of the internet gooroos and message boards and their often false and misleading information. Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-10512532.post-1159999142198439482006-10-04T14:57:00.000-07:002006-10-04T14:59:02.206-07:00New changes to the FDCPA - 10/04/2006SEC. 802. OTHER AMENDMENTS.(a) LEGAL PLEADINGS.—Section 809 of the Fair Debt CollectionPractices Act (15 U.S.C. 1692g) is amended by adding at the endthe following new subsection:‘‘(d) LEGAL PLEADINGS.—A communication in the form of aformal pleading in a civil action shall not be treated as an initialcommunication for purposes of subsection (a).’’.(b) NOTICE PROVISIONS.—Section 809 of the Fair Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1149336053682685862006-06-03T04:59:00.000-07:002006-06-03T05:00:53.696-07:00FDCPA Basic DefinitionsFDCPA Basic Definitions§ 1692 a(3) Definition of a Consumer as any natural person obligated on or allegedly obligated on a debt§ 1692 a(5) Definition of a Debt as an obligation for money, goods, insurance, or services for primarily personal, family, or household purposes§ 1692 a(6) Definition of a Debt Collector as collectors, collection agencies, lawyers, forms writersb –Contacting Third PartiesCreditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1115484729525460682005-05-07T09:41:00.000-07:002006-01-17T03:58:26.056-08:00trying the Technorati API key functioncb029df3b752ed3dace432a3c78dce6fTechnorati API callTechnorati Cosmos: other blogs commenting on this postTechnorati Cosmos: other blogs commenting on this postTechnorati Cosmos: other blogs commenting on this postTechnorati Cosmos: other blogs commenting on this postCreditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1115140526357530272005-05-03T10:13:00.000-07:002005-05-03T10:15:26.360-07:00Judgemens and scumbag collection agenciesFrom: christina357My husband and I have been plagued with bad debt for years. We had lived in an apartment complex for 9 years. Over the years, we have had judgements placed on us for nonpayment of rent. We always were able to get caught up before we had to go to court and in one instance they wouldn't accept our payment and made us go to court--the judge dismissed that one, but it is still onCreditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1111179808232174072005-03-18T12:58:00.000-08:002005-03-18T13:03:28.236-08:00Texas Consumer Protection ActI have pasted the exact section from Texas Law. One single law by itself does not make a whole case. Texas Finance Code 392 is a mirror law to the Federal FDCPA. This means that it does not change the FDCPA, but rather, makes the FDCPA a Texas State Law as well. The provisions of 392 are additional protections afforded to consumers ON TOP OF those afforded by the FDCPA requires that a debt Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1109458506666965982005-02-26T14:53:00.000-08:002005-02-26T14:55:06.676-08:00FDCPA discussionIf you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairlyCreditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1107666621151454982005-02-05T23:12:00.000-08:002005-02-05T21:11:58.063-08:00Filing frivolous FDCPA lawsuits.Filing frivolous FDCPA lawsuits
There are many so called FDCPA experts on the internet today who will tell you that what you need to do to get out of debt is to file lawsuits on debt collectors trying to
collect from you.
One of the favorite FDCPA mechanisms that is advocated is the claim that they have provided false information about you or that they are unlicensed to collect in your state.Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-10512532.post-1107130410334259522005-01-30T16:10:00.000-08:002005-02-04T18:41:33.100-08:00FDCPA ANNOTATED STATUTESWhen one needs information about FDCPA or any other law one needs to refer to the annotated statutes and not some so called and self styled internet "expert" or "gooroo" who might happen to think s/he knows all about the law. Usually they don't and what they know even less about is how other laws interact with the body of law that you may be interested in.
It is only by reference to the fully Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.com