In the wake of the devastating 2008 financial crisis, Congress recognized the need for a dedicated federal agency to protect consumers in the financial marketplace. Out of this realization, the Consumer Financial Protection Bureau (CFPB) was born with the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010. However, the CFPB’s...
Are you a homeowner who thought your second mortgage from 10 or 15 years ago was long forgiven or canceled? Have you recently started receiving collection calls or foreclosure threats related to this “zombie debt” that you assumed was dead and buried? If so, you are not alone. Thousands of Americans are now facing the...
In today’s economic climate, many people find themselves struggling with overwhelming debt. Whether it’s due to unexpected medical expenses, job loss, or other financial hardships, the burden of debt can be crushing. When faced with relentless collection companies and seemingly endless payments, it’s easy to feel hopeless and trapped. However, there is a solution that...
In today’s digital age, it’s not uncommon for companies to send bills and payment reminders via email. While this method of communication is convenient for both businesses and consumers, some companies have taken it too far by sending these emails at all hours of the night. This practice not only disrupts people’s sleep and personal...
FOR IMMEDIATE RELEASE Consumer Financial Protection Bureau and Federal Trade Commission Support Plaintiffs in Landmark Case Against Ocwen Loan Servicing, LLC Clearwater, FL (May 10, 2024) – In a move that could have far-reaching implications for the mortgage servicing industry, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) have filed an...
If you’re struggling with debt, the last thing you need is the added stress and embarrassment of debt collectors calling you at your job. It can be a difficult and upsetting situation to deal with, especially if you’re already working hard to make ends meet and get your debts under control. Many consumer are worried...
There is a very thin line between attempting to collect a debt fairly, harassment and unfair practice. If you are constantly receiving calls every day, being threatened or if a debt collector employs any tactic to intimidate you, then your rights under the FDCPA may have been violated. What is the FDCPA? The Fair Debt Collection...
What are “ROBO CALLS?” Have you ever received a phone call from a number you don’t recognize at home or on your cell phone and when you answered you heard a pre-recorded message? Of course you have. Almost everyone has received one of these calls before, but more than likely you’ve received more calls like...
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