Contact With a Debt Collector

When you are contacted by a debt collector, they are not allowed to ID themselves as anything but who they really are; debt collectors. They are not lawyers, they are not the police or the local county sheriff. We have legislation that prevents these collectors from being dishonest. These laws are put into place to […]

Over $1.6 Million Collected in Fraud Collection Scams in Arizona

A collection agency out of Arizona is being sued by the Arizona Attorney General for illegally collecting $1.6 million, and violations under the Fair Debt Collection Practices Act. Mark Smith and his wife Deborah Butler are being sued by the Arizona Attorney General for defrauding thousands of people out of more than $1.6 million. Butler [...]

Dave Ramsey has it so wrong

I often wonder why people listen to Dave Ramsy when he has a history of being so wrong on almost every financial statement he has ever made. However; his response really takes the cake –  “Paul” sent a letter to Dave asking how to handle and interact with debt collectors. Dave’s response was so astonishingly […]

Should debt collectors be excluded from the new robocall rules?

Long after consumers have cried out for the Federal Communications Commission to step up to the plate and do something about the harassing robocalls, FCC Chairman, Ajit Pai has proposed a ruling which would allow phone companies to block unwanted solicitation phone calls to customers. The proposal goes even a step further by allowing customers […]