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You are here: Home / Archives for consumer rights

consumer rights

What to Do if You’re a Victim of Identity Theft

September 30, 2021 by Lucy Lazarony 3 Comments

Things you can do if you're a target for identity theft.

Has an identity theft struck one of your accounts?  Try not to panic!  But it is important to act fast to minimize the damage. Here’s what you need to do to get your credit and your finances back on track. Place a fraud alert on each of your credit reports.  Phone one of the three, […]

Filed Under: consumer rights, credit reports, money management

Filing a CFPB Complaint

August 28, 2021 by Michael Bovee 26 Comments

Throughout this website, and several others I contribute to, I suggest people file complaints with the Consumer Financial Protection Bureau (CFPB). I am usually responding to reader comments when I do, so the reason for suggesting filing the complaint is contained in each comment exchange, but only briefly. I want to be sure readers have […]

Filed Under: banking practices, consumer rights

9 Plead Guilty to $20M Scheme to Defraud Soldiers.

May 20, 2019 by Michael Bovee Leave a Comment

Eight Alabama residents and one Georgia resident pleaded guilty to participating in a scheme in which they stole thousands of identities to file more than 7,000 false tax returns, according to the U.S. Attorney’s Office of the Middle District of Alabama. Over the course of nearly three years, the group defrauded the government of approximately […]

Filed Under: consumer rights

Stress about overwhelming debt, or fear?

September 30, 2021 by Michael Bovee 1 Comment

I generally begin any debt relief consultation I do with people who reach out to my company in search of help with credit card debt with this question: “What has you reaching out to a perfect stranger? What is going on with you financially”? Then, I shut up and listen. I am sometimes the first person […]

Filed Under: bankruptcy, consumer rights, credit reports, debt collection, debt settlement, economy

Inaccurate Information on Your Credit Report can Cost You

September 7, 2021 by Michael Bovee Leave a Comment

The credit report topic has been covered well on our web site, but mostly as it applies to people who need some form of debt relief due to a financial hardship. While that is an important topic and a concern for more and more people as a result of our tough economy – what about […]

Filed Under: banking practices, consumer rights, credit reports

FDCPA Wants to put an End to Dead Debt, Bogus Collection Fees, and Lawsuits

September 7, 2021 by Michael Bovee Leave a Comment

The Consumers Union, a long standing consumer advocate and watch group, in partnership with East Bay Community Law Center, weighed in with their recommendations for amending the Fair Debt Collection Practices Act (FDCPA). Read the report here: Why Debt Collection Practices and the Debt Buying Industry Need Reform Now. In their “PAST DUE” report, I […]

Filed Under: consumer rights, debt collection, economy

Debt Collection Industry Insider Starts Petition to Reign in Collection Abuse

September 7, 2021 by Michael Bovee 2 Comments

Collection industry insider, Bill Bartmann, has started an electronic petition he will submit to Congress where he suggests the following amendments to the Fair Debt Collection Practices Act (FDCPA): We hereby petition Congress to amend the current debt-collection rules by adding the following provisions: Increase the penalty for violations of debt-collection rules from the current […]

Filed Under: banking practices, consumer rights, debt collection Tagged With: Bill Bartmann, collection abuse, Collection complaints, consumer rights, debt collection, FDCPA, FTC

Dealing with Capital One in Collections

September 30, 2021 by Michael Bovee 315 Comments

My experience working with financially-challenged consumers and their creditors nationwide since the economic downturn reflects that virtually every national issuer of credit cards, even larger regional credit unions, have gone as far as they can to assist their struggling account holders. Capital One is an exception to this. How Capital One goes about settling a […]

Filed Under: bankruptcy, consumer rights, credit reports, debt collection, debt settlement

Debt Settlement and Negotiations – Past, Present, Future

September 7, 2021 by Michael Bovee 2 Comments

After 10/27/10, virtually all of the companies offering to settle debt for a fee will have to charge those fees based on a contingency. In other words, you pay for the service contingent upon who you hire having successfully negotiated a reduced pay off amount with your creditors that you then accept and fund. Makes […]

Filed Under: consumer rights, debt settlement

Debt Settlement Estimates of Savings, Fees, and Time to Complete

July 28, 2021 by Michael Bovee 2 Comments

Debt Settlement is a very real option for consumers who are trying to avoid bankruptcy. Unfortunately, the decision to try it is too often made from an emotional perspective. This has, is, and will forever be; the wrong perspective to use in your decision making regarding this particular debt solution. Many people are understandably unsure, […]

Filed Under: consumer rights, debt settlement

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