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The Consumer Law Group, P.C.

On the page below you can find links to documents, reports, publications and discussions provided by The Consumer Law Group, P.C.. As an attorney with years of experience practicing Virginia Lemon Law, Auto Fraud, Fair Debt Collection Practices Act, and Credit Fraud & Identity Theft; we have acquired expertise in a number of areas.

The documents below are available to the public so that they can gain a better understanding of the legal challenges facing them, and why an experienced attorney is so important for success.

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Library Categories:

• Virginia Lemon Law
• Virginia Lemon Law Articles
• Virginia Lemon Law Case Results
• Auto Fraud
• Auto Fraud Articles
• Auto Fraud Case Results
• Fair Debt Collection Practices Act (FDCPA)
• FDCPA Articles
• FDCPA Case Results
• Credit Fraud & Identity Theft
• Credit Fraud & Identity Theft Articles
• General

FDCPA Articles:

• Debt-relief companies getting new FTC rules By Iris Taylor | TIMES-DISPATCH COLUMNIST Published: August 29, 2010   
  Description: New rules for debt companies Ever been ripped off by a debt settlement company?
  
  Good news: The Federal Trade Commission has issued new rules that will crack down on that industry's worst practices soon.
• The $555,000 Student-Loan Burden: by Mary Pilon - Provided by THE WALL STREET JOURNAL   
  Description: Provided by THE WALL STREET JOURNAL: When Michelle Bisutti, a 41-year-old family practitioner in Columbus, Ohio, finished medical school in 2003, her student-loan debt amounted to roughly $250,000. Since then, it has ballooned to $555,000.
• How Can I Better Deal with Debt Collectors? by Liz Roberts   
  Description: Dealing with debt collectors can be nerve-wracking. When Imagine how you would feel if you have to answer calls even during inconvenient hours. In this article, we will discuss the positive steps that you can do when dealing with debt collectors.
• Dealing with Collection Agencies: by Dom Estable   
  Description: According to the Fair Debt Collection Practices Act, Americans have rights even when they are behind on their bills.
• Fair Debt Collection Practices Act: by Anthony and Maricar Wing   
  Description: In the USA the Fair Debt Collection Practices Act (also known as the FDCPA) is a law that was added in 1978, which protects people in financial trouble from debt collectors that use illegal methods to extract money from people. It also provides an avenue for consumers to contest any information that is not correct that may be on their record. This extract gives an overview as we understand it although it is brief and we do not warrant the accuracy of the information.
• How Long Can Old Debt Follow You?: by Vincent Polisi   
  Description: If you have an old debt that you are unable to pay, you may be worried that it is going to haunt you forever! The good news is that for most debts, there is a statute of limitations which prevents lenders from hounding you for something that happened 20 years ago! The only debts that have no statue of limitations are income tax debt, federal student loans and child support.
• How To Handle Debt Collectors: by Michael Redbourn   
  Description: Most debt collectors are very experienced and they know the law as it relates to their job, whereas most debtors are inexperienced, don't know the law and are therefore easy to trick, and to intimidate. So if you're afraid to answer your phone because you're worried that the call will be from a collection agency, then it's vitally important that you know what to say to them, and what not to say to them, and more importantly that you know what you can sign, and what you definitely mustn't sign.
• FDCPA - Facts That You Should Know About It: By Jason Holmes   
  Description: The Fair Debt Collection Practices Act or FDCPA was developed in order to protect consumers from being harassed by the collection agencies. The FDCPA was passed to provide guidelines of debt collection.
• The Statue Of Limitations On Debt - Step-By-Step by Michael Redbourn   
  Description: The first and perhaps the most important thing to understand about the Statute Of limitations On Debt, is that although debt collectors and creditors are allowed to contact you about a debt that you still owe forever, they can only sue you for it for a certain amount of time.
• How to Stop Ongoing Harassment From a Collection Agency: by Frank Sullivan   
  Description: Discover how to quickly and effectively stop constant phone calls, letters and ongoing harassment by persistent creditors, debt collectors and collection agencies without much effort, time and money.
• How The Debt Collection Act Affects You: by Alan King   
  Description: If you are being traced and hunted by debt collection companies/agencies, you ought to acquaint yourself with the Fair Debt Collection Practices Act. This act protects consumers from being mistreated by debt collectors.
• Bill Collectors and Old Debt Be Careful What You Say by Chris A Smith   
  Description: Some bill collectors are trying to optimize the collection process by going after people who are currently financially healthy but have an old unpaid debt from years back. These old credit contracts are inexpensive for the agency to buy and the collection process is highly automated. Bill collectors are counting on a sense of moral obligation or just ignorance on the part of the debtor.
• Collection Agency Procedure To Collect Unpaid Debt - Basic Debt Collection Techniques: by K D Garrow   
  Description: People are often very frightened or intimidated by Debt Collection Agencies, often because they are not sure about the powers these companies have.