State level consumer protections vary greatly and cover a wide range ofA debt collector may not use any false, deceptive, or misleading ... The interim final rule addresses certain debt collector conductfalsely representing the character, amount, or legal status of any debt; ...By J Dreyer ? or falsely provides an inaccurate valuation on the appraisal with the intent to mislead a third party. DEBT ELIMINATION SCHEME. Debt elimination schemes are ... Creditor? means any person who offers or extends credit creating a Debt or toFalsely represent the character, amount, or legal status of Debts or ... Discussion of creditor options and dangers in collecting time-barred debt under FDCPA and state statutes of limitation. People sued for debts rarely have legal representation, but those who do tend to have better outcomes. Research on debt collection lawsuits ... debtor; and any false, deceptive, or misleading statements inGenerally, the FDCPA covers the activities of a ?debt collector. In 1977 Congress enacted the first comprehensive federal debt col- lection statute, the Fair Debt Collection Practices Act (FDCPA).' Con-. Fair Debt Collection Practices Act 1974. 2. Fair Credit Reporting Act 1970. E. Other Specific Protections. Federal and state consumer protection laws govern ... NFS is a collection agency primarily serving magazine subscriptionthe use of ?any false, deceptive, or misleading representation or means? in debt ...
De Leon, Federal Credit Union, Member ID: 924127500 Fax:, CFA #: 5 (or by fax) (or by fax) This is a complaint against credit card company Equifax, for unauthorized charges from consumer's credit card account in violation of federal law. You also may be interested in the Consumer Financial Protection Bureau's report on unauthorized charges on Consumer Data Industry Association's list of consumer data industry groups. This report shows the total payments and unpaid balances that more than 4 million consumers who used personal consumer credit accounts and debit cards during the period January 1, 2007, to May 31, 2008, were charged by an unknown third party. That consumer may have been charged without their permission and, because of insufficient proof, without their notice and consent. Consumers reported not seeing the statement before they received their first notice, which could explain why they didn't believe they received the notice.