Law
January 5, 2016
Prohibited Actions By Debt Collectors
Federal law prohibits debt collectors from threatening the use of violence, the use of obscene language, causing a telephone to ring or engaging any person in telephone conversation repeatedly with the intent to annoy, abuse or harass any person at […]
Law
January 4, 2016
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is a federal law passed to protect consumers from abusive, deceptive and unfair debt collection practices. Call Pine Street Legal if you think a debt collector is violating your rights.
Advice
December 22, 2015
Medical Tracking Devices
Everywhere we go, people are wearing fitness tracking devices that monitor and record our health and fitness data. What fitness tracking companies do with this data is not regulated by HIPAA. Without this protection, consumers should think carefully about giving […]
Advice
October 18, 2015
Debt Collection Abuse
A debt collector who calls you after you notify that collector in writing to cease and desist this contact, is in violation of federal law. Pine Street Legal can help you with this kind of debt collection abuse.
Advice
October 2, 2015
Certain criminal records can be expunged from court files. Once that is done, you should be able to expect that those records are gone from your history. But that is not always the case. Sometimes expunged criminal records show up […]
Advice
September 4, 2015
Criminal Records Effect Credit Worthiness
Criminal records appear on credit reports and have a negative effect on the ability to secure credit. If your criminal record has been expunged, it is important to alert the credit reporting agencies reporting the judgment and then to make […]
Advice
August 27, 2015
Who Reports Your Credit Information?
How you are managing your credit obligations is reported to credit reporting agencies by Furnishers. Furnishers are creditors, banks and organizations that have information about your credit activities. The Fair Credit Reporting Act requires Furnishers to have proper procedures in […]
Law
August 3, 2015
When Can A Third Party View Your Credit Report?
The Fair Credit Reporting Act (FCRA) requires that a third party must have a permissible purpose as defined by the FCRA in order to view your credit report. Some permissible purposes are: by court order, with your written agreement, in […]
Law
July 28, 2015
Length Of Time Adverse Account Remains On Credit Report
Negative (or adverse) accounts remain on a credit report for seven years, unless its a criminal or civil court record or a bankruptcy and they are longer. Check your credit report for any outdated accounts and send the credit reporting […]
If your credit report dispute letter is ignored or rejected by credit reporting agencies and/or by furnishers of information to the credit reporting agencies, you have legal rights to purse money damages under the Fair Credit Reporting Act.