collection tactics

Debt Collector Impersonating an Attorney: What Is and Isn’t Legal

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Debt Collector Impersonating Attorney

Attorneys can legally collect debts, but a debt collector cannot falsely claim to be an attorney or imply a lawyer has reviewed your file if they have not. Sending a “meaningless attorney letter” where a lawyer’s name is stamped on a mass mailing without actual legal review is a violation of federal law. If a … Read more

Debt Collector Threatening to Sue You: When It’s a Bluff and When It’s Real

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Debt Collector Threatening Lawsuit

A debt collector threatening a lawsuit without the actual intent or legal ability to file one is committing a federal violation under the FDCPA. Lawsuit threats are often a bluff for small balances (under $1,000) or very old debt, driven by the fact that court costs exceed the potential recovery. Threats are usually real when … Read more