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Collector violations
- A debt you do not owe
- Aldous & Associates, PLLC
- Caine & Weiner
- Calls at work
- Calls before 8 a.m. or after 9 p.m.
- Calls to your family, friends and employer
- Collectors posing as a lawyer, the police or a court
- Contact after you have a lawyer
- Count the calls
- Credit Collection Services (CCS)
- Did they break the law?
- Every way collectors break the law
- Harassing phone calls from a debt collector
- IC System
- Jefferson Capital Systems
- LVNV Funding and Resurgent Capital Services
- Midland Credit Management and Midland Funding
- National Credit Adjusters (NCA)
- National Credit Systems
- No validation notice
- Portfolio Recovery Associates (PRA)
- Radius Global Solutions
- Robocalls and automated texts
- Spring Oaks Capital
- Sued in the wrong county
- Sunrise Credit Services
- Texts, emails and social media
- The wrong amount, and fees you never agreed to
- Threats of arrest, jail or criminal charges
- Threats to sue, garnish or take property
- Too many calls: the 7-in-7 rule
- Transworld Systems Inc. (TSI)
- TrueAccord
- When a collector ignores your dispute
- When a collector ignores your request to stop
- Who is calling you? The company directory
- Write the letter that stops them
- Zombie debt: old debts and time-barred lawsuits
Credit reports
- A paid debt still reported as owed
- Checkr
- ChexSystems
- Credit report errors and the Fair Credit Reporting Act
- Discharged debts still showing a balance
- Equifax
- Equifax, Experian and TransUnion
- Errors on a job background check
- Errors on a tenant screening report
- Errors on your credit report
- Experian
- HireRight
- How to dispute your credit report
- Identity theft on your credit report
- Mixed files: someone else's accounts on your report
- RealPage (LeasingDesk Screening)
- Reported as deceased on your credit report
- TransUnion
- You disputed the error and it stayed
The law
What you get
Stories
- Encore and PRA: the orders, and the orders they broke
- FTC and CFPB v. TransUnion Rental Screening: evictions that looked worse than they were
- FTC v. Federal Check Processing: the fraud division that was a collection agency
- Facebook v. Duguid: the texts he never asked for, and the autodialer rule
- Goodin v. Bank of America: the payments were in the court registry the whole time
- Heintz v. Jenkins: the lawyer's letter was a debt collector's letter
- It happened to them
- Jerman v. Carlisle: misreading the law is not a bona fide error
- Medley v. DISH Network: the company kept calling after her lawyer said stop
- Midland Funding v. Johnson: an obviously stale claim in a Chapter 13 case
- Miller v. Equifax: two years of disputes over someone else's credit
- Rotkiske v. Klemm: the lawsuit he never saw, and the clock that kept running
- Sykes v. Mel S. Harris: judgments against people who were never served
- Tatis v. Allied Interstate: a settlement offer on a debt too old to sue on
- The Circles collectors: threats of arrest, and calls to everyone you know
- The New York Attorney General and the debt buyers who sued on expired debts
- TransUnion v. Ramirez: a name match on a terrorist list
The blog
- A Florida debt collector calling at night
- A background check cost me a job
- A collection agency called my work in New Jersey
- A collector threatened to have me arrested
- A court orders the CFPB's funding restored. Here is what that does and does not change for you
- A debt collector called my mother
- A default judgment I never knew about
- A hard inquiry I did not authorize
- A late payment on my credit report that was not late
- A tenant screening report cost me an apartment
- A voicemail from a debt collector? Save it
- Bank account frozen by a judgment in New York
- Can a debt collector call my job?
- Can a debt collector sue me after 7 years?
- Can a debt collector take my car or house?
- Credit Karma shows a collection I don't recognize
- Debt collector calling about someone else
- Debt collector won't send proof
- Debt collectors on Facebook and by text
- Denied a bank account because of ChexSystems
- Does paying a collection restart the clock?
- Florida's FCCPA reaches original creditors
- Got a summons from Midland or Portfolio?
- How long negative items stay on your credit report
- How much can I sue a debt collector for?
- Identity theft on your credit report, step by step
- Is it illegal for a debt collector to call my cell phone?
- Medical debt collection in New York: your rights
- Medical debt on your credit report: the federal rule is gone, the state laws are contested, your dispute rights are not
- My student loan shows a default by mistake
- NYC debt collection rules in 2026: what changed for you
- New York City's new debt collection rules are in effect: what changed on September 1, 2026
- Pay for delete: is it legal?
- Robocalls about a debt: when the TCPA applies
- Robocalls and consent after 2025: what the FCC and the courts changed
- Seven calls in seven days: what the rule is, and what it is not
- Should I pay a zombie debt?
- Someone else's debt is on my credit report
- Sued by a debt collector in NYC Civil Court
- Sued on an old credit card in New York
- The collector pays your lawyer
- The credit bureau says my dispute is frivolous
- The debt validation letter: what to ask for
- What changed: debt and credit law news
- What happens if I ignore a debt collector?
- What to say when a debt collector calls
- What we are seeing, and what to do about it
- When a debt buyer cannot prove it owns the debt
- Why your dispute was verified anyway
- Your debt collection rights in New Jersey