Tag Archive | "debt collection defense"

What Happens When a Creditor Makes a False Credit Report?

Monday, February 15, 2010

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Maybe this has happened to you: You pay off a credit card.  The credit card company reports to a credit bureau that you are delinquent on the debt.  You dispute the report.  The credit card company corrects the report.  Then it happens three more times.  The credit card company reports default.  You dispute.  Credit card [...]

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Can a Debt Collector Call My Boss?

Wednesday, February 10, 2010

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Can a Debt Collector Call My Boss?

Lately, your phone has been ringing non-stop.  Your credit card company is calling and wants to know when they are going to get paid.  Even worse, they’ve started calling you at work.  Can they talk to your boss or co-workers?  Human resources?  It depends. Generally, without the prior consent of the consumer given directly to [...]

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Where a Bounced Check Can Land You

Monday, February 8, 2010

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Where a Bounced Check Can Land You

If you’ve had a checking account, at some point you’ve probably been in the red.  It’s especially an easy thing to do in this Electronic Age when all you have to do is whip out your debit card and keeping track of your balance can be either as easy as checking it online or as [...]

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5 Things to Ask for in a Debt Settlement Negotiation to Save Money

Sunday, February 7, 2010

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5 Things to Ask for in a Debt Settlement Negotiation to Save Money

Know what I hate? I hate having any work done on my car. I hate going into the shop and being at the complete mercy of the mechanic, because I don’t know anything about how cars work. Well, I don’t know anything about how cars that were built after 1980 work. Same goes for doctors. [...]

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Debt Collection Defenses that Do Not Work

Wednesday, January 13, 2010

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Debt Collection Defenses that Do Not Work

Full disclosure: In my practice, I represent creditors in debt collection lawsuits. Obviously, I am interested in a quick resolution on behalf of my client.  The fact remains, however, that Colorado law requires you to have a legal defense to a claimed debt.  If you come to court with one of the defenses below, I [...]

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