Articles and Information
Social Media and Debt Collection: The United States
By: Jeffrey Lapin
Parts 1 and 2 of this Social Media and Debt Collection Series discussed Facebook and Twitter and the recent United Kingdom’s ban against debt collectors using social networking sites. This final Part will discuss the current state of United States’ law, its applicability to social networks and offer some recommendations as to what can be done to protect debtors and still permit debt collectors to collect legitimate debts in a lawful manner. […]
Social Media and Debt Collection: Limited in the United Kingdom
By: Jeffrey Lapin
This is Part 2 in a 3-Part Series regarding the use of social networking sites by debt collectors. Part 1 of this Series discussed Facebook and Twitter, two of the most popular social networking sites and services. This Part will discuss the United Kingdom’s Office of Fair Trading recent prohibition against debt collectors using social media sites and services in a way that would or could harass a debtor. […]
Social Media and Debt Collection: Facebook and Twitter
By: Jeffrey Lapin
This is Part 1 of a 3 Part Series about the use of social media, sites and services, and debt collection. This Part will discuss Facebook and Twitter, which are two of the most popular social media sites and services. Both provide limited protection to a debtor-user against a debt collector-user by, through their terms and conditions, prohibit harassment or threats. Part 2 will discuss a fairly recent change in the United Kingdom preventing debt collectors from posting debt information or contacting a debtor through a social networking site. Part 3 will discuss current U.S. law. […]
Drivers Take Care: Winter Weather Is Almost Here
Winter weather (bitter cold temperatures, snow and ice) is almost here and drivers need to remember to take extra care. Every year it seems that there are more accidents during the first couple of snowstorms as drivers tend to forget how to drive on snow and ice. An earlier post, Drivers Prepare: Winter Weather Is Arriving Soon, discussed how you should know your vehicle functions and features, having your vehicle in good working condition and by preparing a safety kit. This post offers tips and suggestions for driving in winter weather, snow and ice.
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Drivers Prepare: Winter Weather Is Arriving Soon
As the temperatures drop we know the winter driving season is nearly upon us. Drivers need to start preparing now for driving on snow and ice. Driving on snow and ice is always challenging, but with a bit of preparation everyone can hopefully enjoy a safe winter season.
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An Update on H.R. 3035 (The Mobile Informational Call Act of 2011) and a Call to Action
H.R. 3035 – The Mobile Informational Call Act of 2011
In a previous post, Proposed Act Would Permit Debt Collectors to Use Auto-Dialers to Call Cellular Telephones, H.R. 3035, the Mobile Informational Call Act of 2011, was discussed and how, if passed, would likely harm consumers. The Act, among other things, would amend the Telephone Consumer Protection Act (TCPA) by changing the definition of “prior express consent” and permit debt collectors to use automatic telephone dialing systems (auto-dialers or robo-dialers) to contact a person on their cellular telephone. The Act was introduced by Representatives Lee Terry (R-NE) and Edolphus Towns (D-NY). It also had nine co-sponsors. […]
Drivers: Beware of Deer
Drivers need to be extra cautious when driving in certain areas as the majority of collisions between motor vehicles and deer occur in October and November especially in Nebraska. There are a few reasons for this. First, these are the months that prime harvesting months and crop and cover patters change quickly. In addition, there is less daylight as the days get shorter and it is harder to see the deer. Moreover, deer breeding typically begins in October, which can cause deer to be distracted. Deer activity increases and movement peaks each day near dawn and just after dusk. […]
Common Misperceptions About Credit Scores
By: Jeffrey Lapin
Many people are confused about their credit scores. In a previous post, Credit Scores: How Are They Calculated and Why Are They So Important, the basics of the importance of credit scores how they were calculated was discussed. The following are some of the most common misperceptions about credit scores: […]
Credit Scores: Why Are They So Important and How Are They Calculated
By: Jeffrey Lapin
Anyone who has borrowed money, obtained a credit card or incurred any type of debt from a commercial or financial entity has a credit score. Credit scores, which are calculated from information on your credit report, are simply numbers used to gauge the risk a person poses if they are lent money or issued credit. These numbers play a very important role in almost everyone’s life. […]
Study: Women More Likely To Be Severely Injured In Vehicle Crashes
According to a October article published in the American Journal of Public Health, Vulnerability of Female Drivers Involved in Motor Vehicle Crashes: An Analysis of US Population at Risk, even when both use seat-belts, women are much more likely to sustain a severe injury in vehicles crashes than men. The study reviewed “national crash data […]
