If a debt collector cannot prove you owe the debt, you win the case. In as many as 90% of credit card debt lawsuits, the lawyers filing suits against you do not have documentation to prove that you owe the debt.

Student debts are on a rise in our country per the National Center for Education Statistics (NCES) reports.

It gives us a great assurance though unintentional to find that even the lawyers are made fools by debt collectors. Amazingly true but a lot of debt collection scams are targeted at lawyers. Lending credence to their scam activity debt collectors give an official and fair picture of their operations.

The Fair Debt Collection Practices Act (FDCPA) is a federal act that came into existence to ensure fair debt collection.

The Fair Debt Collection Practices Act (FDCPA) enforced by the Federal Trade Commission (FTC) and private attorneys, allows to check the abusive conduct by debt collectors. This was also in the wake of the number of bankruptcies increasing due to these practices.

Time barred debts are very old debts that have crossed the statute of limitations (SOL) and can no longer be collected. These debts are beyond the boundary at which a creditor or debt collector may attempt to collect or sue to collect from you

You have an upper hand when it comes to dealing with debt collectors. If you know how to tackle debt collectors you definitely can walk away with the best deal from debt collection harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal statute enforced by the Federal Trade Commission (FTC) to regulate debt collection practices.

A very big question that looms large on debtor community is whether debt consolidation is a good alternative or not. Debt consolidation is taking a new loan that repays all the small debts that you have incurred before. After you consolidate all your debts into one loan you would pay only one instalment per month.

Debts are not evil. It is people who make them evil.

The Federal Trade Commission (FTC) and private attorneys enforce the Fair Debt Collection Practices Act (FDCPA) to ensure protection of consumers against harassment of unfair debt collectors.