debt collector

Disabled Vet: Debt Collector Said ‘You Should Have Died’

By |October 17th, 2012|

By: Jeffrey Lapin

Michael Collier, a disabled Army veteran, and his wife, Kim, recently sued Gurstel Chargo, P.A., a Minnesota-based law firm and debt collector, in Arizona for violations of the Fair Debt Collections Practices Act (FDCPA) as well as for other claims based on the law firm’s attempt to collect a debt. The Colliers claim that the law firm is illegally holding their money and one of its legal assistant’s told Michael that he should have died among many other things. In their lawsuit, the Collier’s are claiming damages under the FDCPA, punitive damages along with other items. […]

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Protect a Deceased Relative from Identity Theft

By |June 8th, 2012|

By: Jeffrey Lapin

Dealing with the death of a relative is hard enough. Family members do not need the additional stress of having to deal with having the identity of their deceased relative stolen. Remember, family members are not responsible for the debts of their deceased relatives, unless they had specifically agreed to be. In addition, the estate of the deceased is not responsible for these types of fraudulent debts. […]

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Debts Owed By Deceased Relatives: Do Not Pay

By |May 31st, 2012|

By: Jeffrey Lapin

Collecting on debts of the deceased has become a very profitable area in the debt collections industry. Using tactics and practices created specifically to convince anguished family members to pay, some of these debt collectors will stop at nothing to get money even breaking the law. In almost all circumstances you are not personally liable for the debts of a deceased relative despite what you might be told by a debt collector. This post will not cover which debts may be owed by the deceased’s estate, which would be paid through the probate process. Rather, I will discuss your individual liability for the debts of a deceased spouse, parent, child or other relative and what you should do if contacted by a debt collector trying to collect a debt owed by them. […]

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CFPB Proposes Rule to Define “Larger Participants” It Will Monitor

By |February 21st, 2012|

By: Jeffrey Lapin

On February 16, 2012, the Consumer Financial Protection Bureau (CFPB) announced a proposed rule to identify the debt collectors and consumer reporting agencies will fall within its nonbank supervision program. Before it can began to monitor these entitieis, it has to define who is a “larger participant” within these areas. Currently, debt collectors and credit reporting agencies are not subject to direct federal supervision; the government only gets involved after a violation occurs. […]

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