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New agency will crack down on debt collectors Atlanta, GA

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New agency will crack down on debt collectors

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Being in debt is stressful. Not only is there the impending threat of repossession, foreclosure, and ruined credit, but debtors also have to deal with the constant telephone calls from creditors and collection agencies. Many debtors simply stop answering their phones or opening their mail, scared of what will be on the other end. And when the calls and letters get to be too much, debtors seek relief through bankruptcy or a similar measure.

However, with a new addition to the government agency that investigates and stops abusive debt collection practices, debtors may no longer have to resort to bankruptcy or other such severe measures to stop collection calls.

The federal Fair Debt Collection Practices Act was enacted over 30 years ago, with the purpose of protecting consumers from abusive debt collection practices, such as harassment, intimidation, or lying. The law is enforced by the Federal Trade Commission, which reported a 17 percent increase in consumer complaints about debt collectors last year. The agency says that such complaints have tripled since 2002.

In response to the increase, a new federal law will soon create a watchdog agency called the Consumer Financial Protection Bureau, which will join the FTC in investigating consumer complaints about improper debt collection methods.

In addition, the new agency will have the ability to fill a gap in the protection against abusive debt collection practices. Currently, the FTC does not have the ability to write new rules regarding abuse that takes place over new technology such as e-mail, text messages, voice mail and even social networking. The Consumer Financial Protection Bureau will be able to write new rules addressing these situations, in addition to investigating and resolving consumer complaints.

Source: Atlanta Journal-Constitution, “Debt collection rules tighten”, Russell Grantham, 4 May 2011

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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