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Found 6 results

  1. http://apps.leg.wa.gov/documents/billdocs/2013-14/Pdf/Bills/Session%20Laws/House/1822-S.SL.pdf EFFECTIVE DATE: 07/28/13 - Except sections 1 and 3, which become effective 10/01/13.
  2. Earlier this year after I applied for a credit card, within a few days or so, Portfolio Recovery soft'd my credit report that the lender pulled. A couple months later, they sent me a debt letter. I applied for credit just under a month ago and the very next day, Portfolio soft'd the report that this lender pulled as well. I don't understand the point of this. The debt letter they sent me a few months ago said, due to the age of the debt, they won't report it and they won't sue. Minimally, the debt is 10 years old. So they know they can't sue or report and I'm clearly ignoring them yet they
  3. WELL, FINALLY the OCC Finally steps up to the plate... http://www.occ.treas.gov/news-issuances/congressional-testimony/2013/pub-test-2013-116-oral.pdf JP Morgan Chase and Wells Fargo has suspended Sales of Charged off Debts in the past few weeks. http://www.americanbanker.com/issues/178_126/chase-halts-card-debt-sales-ahead-of-crackdown-1060326-1.html http://www.americanbanker.com/issues/178_144/wells-fargo-halts-card-debt-sales-as-scrutiny-mounts-1060922-1.html You see, the OCC always had guidelines for banks when placing debts for collection to third pa
  4. Debt collection complaintsToday we’ll also start taking complaints about debt collection problems related to any consumer debt, including credit card debt, mortgages, auto loans, medical bills, and student loans. You can submit a complaint to us against any company collecting a consumer debt. You can also file a second, separate complaint against the company with which you had the original account. http://www.consumerfinance.gov/complaint/ http://www.consumerfinance.gov/blog/debtcollection/ Today, in addition to two bulletins putting companies on notice about har
  5. What type of letter should I send to Experian to get them to delete 2 hard inquiries from 2 JDBs? The phone number listed for one of the JDBs is disconnected. Neither of those salamanders reported an account, they just hard pulled and ran. LOL! I don't want to waste time sending them a letter because I'm sure they won't respond. I want to know the best way to word a letter to get Experian to just delete them. I don't want those collectors inquiries sitting there especially after I finish cleaning up the baddies. The 2 hard inquiries will be there for another 11 & the other one, 8 months. T
  6. http://m.nysenate.gov/legislation/bill/A2678-2013 The Consumer Credit Fairness Act was introduced by Judiciary Committee Chair Helene Weinstein and passed the General Assembly on a vote of 90-45. It would limit debt collection lawsuits by JDB's terminating the ability of debt buyers to sue on expired debt. lowering the statute of limitations for consumer credit transactions from six years to three years, and eliminating the right to collect the debt once the statute of limitations is expired; and requiring notice of a pending consumer credit action to be mailed to the
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