Category Archives: Consumer Law

DeVos Hits Pause On Student Loan Help

Written by Law Clerk Angelo Banks and Terry Lawson After college graduation most graduates are faced with one common problem: paying back their student loans. There are usually two big reasons student loans are tough to pay back. First, borrowers often aren’t earning enough income at their post-graduation jobs. And second, many borrowers can’t find…

Identity Theft Victims Have A New Tool From FTC

Consumers who face identity theft often have no idea how to begin fixing the problem. The FTC has made this process much easier to understand with the creation of a new website that victims can use to create a recovery plan: IdentityTheft.gov.  In the past, many creditors would require a police report first, but now many…

Surprise! Some debt collectors are scam artists.

We hear from plenty of consumers who have received calls or emails from debt collectors.  Many contacts are scary and well beyond the “normal” bad behavior of debt collectors.  Some include threats to turn over debts to prosecutors, or to jail debtors if a debt isn’t paid right away. Often these contacts come from people with official-sounding titles….

Encore Capital Group, Parent of Midland Funding, One of Largest Debt Buyers Punished by NY AG

You are probably vaguely aware of “debt buyers” by now. These are the massive companies that buy up old, stale debt for almost nothing and try to collect it from the unsuspecting consumer. Midland Funding, a subsidiary of Encore Capital Group, is one of several debt buyers active in Missouri courts. Debt buyers like Midland…

I was sued on an old credit card debt. Should I bother to go to court? Answer: YES.

People call my office all the time asking questions on this topic.  The standard story goes like this: “I had a credit card a few years back.  I am not sure what I owed on it back then.  I hit some hard times and couldn’t pay it.  I think it was charged off, and I…