Consumer Protection Law

Is Navient Solutions (Municipal Services Bureau) Harassing You? Learn What You Can Do.

October 8, 2018

Who is Navient Solutions/Municipal Services Bureau? Is This A Scam? Municipal Services Bureau (MSB) also operates under the name Gila LLC. They are a debt collection agency which is based out of Austin, Texas. The company employs over 360 people and does business in 39 states across the USA. They focus primarily on state and […]

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Harassed By Encore Capital Group, Inc (Midland Credit Management)? Learn How To Make It Stop.

September 17, 2018

Who is Encore Capital/Midland? Is This A Scam? Encore Capital Group, Inc, also known as Midland Credit Management or Midland Funding, is the largest publicly traded debt buyer in the United States. The company does business in fifteen countries worldwide. Midland Credit Management (which is now a subsidiary of Encore Capital Group) was founded over […]

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Is Convergent Outsourcing Inc Harassing You? Learn What You Can Do.

September 3, 2018

Who is Convergent Outsourcing Inc? Is This A Scam? Convergent Outsourcing Inc, also known as Convergent Collection Agency or ER Solutions, is a subsidiary of Convergent Resources Inc. Convergent Outsourcing is a collections agency based in Renton, Washington. The debt collection agency has been in business for over fifty years. Convergent acts as both a […]

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Portfolio Recovery Associates Is Harassing me. What Can I Do?

July 30, 2018

Who is Portfolio Recovery Associates? Is This A Scam? Portfolio Recovery Associates, also known as PRA Group or PRA LLC, is a collections agency based in Norfolk, Virginia. The debt collection agency was founded in 1996. According to the company website, they are one of the largest debt collectors in the United States and they […]

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Dynamic Recovery Solutions Is Harassing me. What Are My Options?

July 16, 2018

Who is Dynamic Recovery Solutions? Is This A Scam? Dynamic Recovery Solutions, also known as DRS, is a collections agency based in Greenville, South Carolina. The debt collection agency was founded in 2008. However, according to the company website, the founding partners have over fifty years of combined debt collection experience. Though based in South […]

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Viking Client Services Is Harassing Me. What Can I Do?

July 2, 2018

Who is Viking Client Services? Is This A Scam? Viking Client Services, also known as began as Viking Collection Services, is a collections agency based in Eden Prairie, Minnesota. The debt collection agency was founded in 1969. Though based in Minnesota, they deal with consumers throughout the United States. Viking Client Services has received consumer […]

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AFNI Collections Is Harassing me. What Are My Options?

May 14, 2018

Who is ANFI Collections? Is This A Scam? AFNI began as a collections agency in Bloomington, Illinois in 1936. The agency used to be known as H.A. Slaven’s Collection Bureau. In 1976, the agency was purchased by Earl Anderson and the name was changed to Anderson Financial Network Inc (AFNI). Nowadays, AFNI is a third-party […]

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What is the Debt Collection Statute of Limitations In My State?

May 5, 2018

A statute of limitation is the time limit during which a person is allowed to take a legal action related to a previous event. Regarding debt, the statute of limitation refers to the duration of time during which a debt collector is able to request the court make you pay for a debt. It is […]

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I Was Lied to By a Debt Collector. Is That an FDCPA Violation?

April 16, 2018

Debt collectors are forbidden from being dishonest with you in the process of trying to collect on a debt. There is a federal law known as the Fair Debt Collection Practices Act (FDCPA) which expressly prohibits debt collectors from engaging in any deceptive, misleading, or untruthful practices. What is considered a false statement? A debt […]

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Can They Repossess My Boat?

March 27, 2017

If you bought your boat on a loan, the lender will likely have a lien put on the boat title. The lien lasts until the loan balance is fully paid off. If you do not adhere to the terms of your loan, or if you default on your loan, the lender will generally be able […]

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