Atlanta Bankruptcy Law Blog

Consumers' rights: creditor harassment

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Sunday, April 21, 2013.

If you are having difficulty with your finances, you should know that you still have rights. The Fair Debt Collection Practices Act protects consumers against unfair collection methods.

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Tags: debt collector, bankruptcy

Horror stories involving outrageous debt collection practices

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Thursday, February 21, 2013.

Many Georgia residents can relate to having been harassed by a bill collector at one time or another. Although there are numerous protections under the Fair Debt Collection Practices Act as well as state laws that specifically prohibit abusive and threatening behavior by debt collectors, many of them still employ these tactics when attempting to collect on a debt. Some of the tactics include threats of violence, using obscenities, incessant telephone calls and claims by the caller that he or she is an attorney.

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Tags: Fair Debt Collection Practices Act, abusive debt collector, bankruptcy, debt collector

Debt collectors using Facebook to harass borrowers

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Tuesday, February 12, 2013.

Atlanta readers may not be surprised to see that aggressive debt collectors have found a new way to pursue overdue borrowers, now intruding into every communication platform they can find and employing social media sites like Facebook and Twitter.

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Tags: Facebook, bankruptcy, creditor harassment, creditors, debt collector

New consumer protection rules help prevent foreclosure

On behalf of Gingold & Gingold LLC posted in Foreclosure on Friday, January 18, 2013.

Mortgage servicers have until January of 2014 to come into compliance with some bold new consumer protection rules. The new regulations come courtesy of the Consumer Financial Protection Bureau, a new agency that regulates the banking industry on behalf of the average borrower.

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Tags: Consumer Financial Protection Bureau, debt collector, foreclosure, mortgage servicer

Evidentiary issues plague Georgia credit card debt lawsuits (2)

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Friday, August 31, 2012.

Earlier this week, we began a discussion of the growing problem of inaccurate or outright fraudulent credit card debt lawsuits. Thousands of these suits are filed every month in metro Atlanta courts, and advocates say that number will probably continue to rise.

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Tags: Georgia, credit card debt, creditors, debt collector, lawsuit

Evidentiary issues plague Georgia credit card debt lawsuits (1)

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Wednesday, August 29, 2012.

Throughout the economic recession and its aftermath, much attention has been paid to mortgage fraud and the other issues that led to the foreclosure crisis. Lawmakers and advocates continue to work to identify those issues in order to ensure that innocent homeowners can no longer be harmed by fraud and other predatory practices.

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Tags: Georgia, credit card debt, creditors, debt collector, lawsuit

Common habits that can hurt your credit score, part one

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Wednesday, July 18, 2012.

Most of our Atlanta blog readers know how to protect and keep their credit scores high: pay credit card and loan bills on time, don't take out a lot of unnecessary credit and basically just act responsibly in all matters that are money-related.

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Tags: bankruptcy, credit report, credit score, debt collector

What makes medical bills different from other debt?

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Friday, July 6, 2012.

Last month, we discussed the effects on medical debt on the finances of people in Georgia and throughout the country. Specifically, we detailed various studies and surveys in that earlier bankruptcy blog post, reporting that more than 40 percent of working-age Americans, or 72 million people, have significant medical debt.

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Tags: credit report, credit score, debt collector, medical bills, medical debt

Illegal debt collectors launch operations overseas

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Thursday, June 21, 2012.

If you are deep in debt and unable to pay your bills, the ring of your telephone may be a truly frightening sound. That is because you know, when you pick up the phone, there will be a person on the other end demanding that you pay your bills. It doesn't matter whether you are dealing with an abusive debt collector or an understanding company representative. When you don't have the money to pay your bills, being confronted about them can be a stressful, humiliating experience.

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Tags: abusive debt collector, bankruptcy, debt, debt collector

Student loan collectors threaten debtors with wage garnishment

On behalf of Gingold & Gingold LLC posted in Wage Garnishment on Tuesday, March 27, 2012.

The recession has been hard on many in Georgia -- workers whose jobs simply disappeared, people whose property values have plummeted, families who have had to walk away from their homes and communities. It has also been hard on college graduates, many of whom had to borrow significant sums of money to pay for the ever-increasing cost of higher education -- only to enter one of the worst job markets this country has ever seen.

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Tags: Fair Debt Collection Practices Act, debt collector, student loan debt, wage garnishment

Debt collector ordered to halt deceptive practices

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Monday, February 6, 2012.

Many Atlanta residents believe that once they owe a debt, they will owe on it forever, and that the company collecting the debt can do anything to make them pay. However, that is largely untrue. Debt collectors must follow federal rules and regulations regarding statutes of limitations for payments, notification to debtors, and appropriate documentation.

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Tags: FTC, debt, debt collector

Could you go to prison for unpaid debt?

On behalf of Gingold & Gingold LLC posted in Bankruptcy on Thursday, December 29, 2011.

Although debtors' prisons have been illegal in the United States for more than 200 years, there has been a recent influx of people sentenced to jail time for unpaid debt according to a recent NPR report. While creditors and collection agencies claim that their practices are legal, many debt relief attorneys and advocates claim that debtors are being treated unfairly.

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Tags: creditors, debt, debt collector