FDCPA
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FDCPA - Fair Debt Collection Practices Act:

Collection Agencies and Debt Buyers

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.  
Collection agencies typically collect debts for businesses and original creditors.  These debts are generally recent medical or dental bills, credit card debts, student loans, etc.  If the consumer pays the debt, the collection agency pays the money to the business, minus a percentage or fee for collecting the debt.  Although sometimes difficult to deal with, collection agencies attempting to collect debts on behalf of the original creditor, are generally more reputable and ethical than debt buyers and zombie debt collectors. Debt buyers purchase old charged off debt for pennies on the dollar.  Federal banking laws require banks to charge off credit card debt if a payment is not made within 180 days after default.  Banks then sell batches of tens of thousands of defaulted credit card debts to debt buyers.  In general, the sale and transfer of accounts is a disaster.  Banks frequently sell the same charged off credit card account to multiple debt buyers, thereby leading to multiple collection efforts on the same debt.  The process of assigning old charged off credit card debts is fraught with many other deficiencies that lead to Fair Debt Collection Practices Act violations. Zombie Debt Collectors are collection agencies that specialize in collecting old charged off credit card debt that has been sold to a debt buyer.  These collection agencies generally work exclusively for debt buyers and almost exclusively collect old debts.   Robert Mitchell, Attorney at Law, PLLC, has successfully used the Fair Debt Collection Practices Act to protect consumers from the following collection agencies, debt buyers, and zombie debt collectors:          CACH          Cavalry Portfolio          Cavalry SPV I          Cavalry Investments          Midland Funding          Midland Credit Management          Merchants Credit Corporation          RAB (Regional Adjustment Bureau)          Northland Group          Alliance One          Allied Interstate          Asset Acceptance          Bay Area Credit Services          Encore Capital          ER Solutions          Frederick J. Hanna & Associates          LVNV Funding          National Enterprise Systems          NCO Financial          Pallisades Collections          Portfolio Recovery          Resurgent Capital Services/Sherman          Sherman Acquisitions          Sherman Financial Group          Zwicker & Associates          Daniel Gordon          Suttell, Hammer & White If you believe that you have been harassed or abused by any of the above companies, or if any of the above companies are attempting to collect a time-barred-debt from you, please telephone Robert Mitchell, Attorney at Law, PLLC, at 509-327-2224 or 360-993-5000, or email me at bobmitchellaw@gmail.com
FDCPA
Robert Mitchell Attorney at Law, PLLC Home FCRA FDCPA SCRA Testimonials Atty Bio Contact
© 2016 Robert Mitchell, Attorney at Law, PLLC
creditlaw101.com

FDCPA - Fair Debt Collection Practices Act:

Collection Agencies and Debt Buyers

Collection agencies typically collect debts for businesses and original creditors.  These debts are generally recent medical or dental bills, credit card debts, student loans, etc.  If the consumer pays the debt, the collection agency pays the money to the business, minus a percentage or fee for collecting the debt.  Although sometimes difficult to deal with, collection agencies attempting to collect debts on behalf of the original creditor, are generally more reputable and ethical than debt buyers and zombie debt collectors. Debt buyers purchase old charged off debt for pennies on the dollar.  Federal banking laws require banks to charge off credit card debt if a payment is not made within 180 days after default.  Banks then sell batches of tens of thousands of defaulted credit card debts to debt buyers.  In general, the sale and transfer of accounts is a disaster.  Banks frequently sell the same charged off credit card account to multiple debt buyers, thereby leading to multiple collection efforts on the same debt.  The process of assigning old charged off credit card debts is fraught with many other deficiencies that lead to Fair Debt Collection Practices Act violations. Zombie Debt Collectors are collection agencies that specialize in collecting old charged off credit card debt that has been sold to a debt buyer.  These collection agencies generally work exclusively for debt buyers and almost exclusively collect old debts.   Robert Mitchell, Attorney at Law, PLLC, has successfully used the Fair Debt Collection Practices Act to protect consumers from the following collection agencies, debt buyers, and zombie debt collectors:          CACH          Cavalry Portfolio          Cavalry SPV I          Cavalry Investments          Midland Funding          Midland Credit Management          Merchants Credit Corporation          RAB (Regional Adjustment Bureau)          Northland Group          Alliance One          Allied Interstate          Asset Acceptance          Bay Area Credit Services          Encore Capital          ER Solutions          Frederick J. Hanna & Associates          LVNV Funding          National Enterprise Systems          NCO Financial          Pallisades Collections          Portfolio Recovery          Resurgent Capital Services/Sherman          Sherman Acquisitions          Sherman Financial Group          Zwicker & Associates          Daniel Gordon          Suttell, Hammer & White If you believe that you have been harassed or abused by any of the above companies, or if any of the above companies are attempting to collect a time- barred-debt from you, please telephone Robert Mitchell, Attorney at Law, PLLC, at 509-327-2224 or 360-993-5000, or email me at bobmitchellaw@gmail.com

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.  
FDCPA
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© 2016 Robert Mitchell, Attorney at Law, PLLC
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Collection agencies typically collect debts for businesses and original creditors.  These debts are generally recent medical or dental bills, credit card debts, student loans, etc.  If the consumer pays the debt, the collection agency pays the money to the business, minus a percentage or fee for collecting the debt.  Although sometimes difficult to deal with, collection agencies attempting to collect debts on behalf of the original creditor, are generally more reputable and ethical than debt buyers and zombie debt collectors. Debt buyers purchase old charged off debt for pennies on the dollar.  Federal banking laws require banks to charge off credit card debt if a payment is not made within 180 days after default.  Banks then sell batches of tens of thousands of defaulted credit card debts to debt buyers.  In general, the sale and transfer of accounts is a disaster.  Banks frequently sell the same charged off credit card account to multiple debt buyers, thereby leading to multiple collection efforts on the same debt.  The process of assigning old charged off credit card debts is fraught with many other deficiencies that lead to Fair Debt Collection Practices Act violations. Zombie Debt Collectors are collection agencies that specialize in collecting old charged off credit card debt that has been sold to a debt buyer.  These collection agencies generally work exclusively for debt buyers and almost exclusively collect old debts.   Robert Mitchell, Attorney at Law, PLLC, has successfully used the Fair Debt Collection Practices Act to protect consumers from the following collection agencies, debt buyers, and zombie debt collectors:          CACH          Cavalry Portfolio          Cavalry SPV I          Cavalry Investments          Midland Funding          Midland Credit Management          Merchants Credit Corporation          RAB (Regional Adjustment Bureau)          Northland Group          Alliance One          Allied Interstate          Asset Acceptance          Bay Area Credit Services          Encore Capital          ER Solutions          Frederick J. Hanna & Associates          LVNV Funding          National Enterprise Systems          NCO Financial          Pallisades Collections          Portfolio Recovery          Resurgent Capital Services/Sherman          Sherman Acquisitions          Sherman Financial Group          Zwicker & Associates          Daniel Gordon          Suttell, Hammer & White If you believe that you have been harassed or abused by any of the above companies, or if any of the above companies are attempting to collect a time-barred-debt from you, please telephone Robert Mitchell, Attorney at Law, PLLC, at 509-327-2224 or 360-993-5000, or email me at bobmitchellaw@gmail.com.

FDCPA - Fair Debt Collection Practices Act:

Collection Agencies and Debt Buyers

Robert Mitchell, Attorney at Law, PLLC, Serving:

Vancouver, Spokane, Seattle, Everett, Tacoma, Olympia, Tri Cities, Clark County, King County, Snohomish County, Pierce County, and the entire state of Washington; and Multnomah County, Marion County, Clackamas County, and the entire state of Oregon; and Fairchild Air Force Base, Joint Base Lewis-McChord, Bangor, Bremerton, and all servicemembers within the states of Washington and Oregon. This website is not legal advice and does not create an attorney-client relationship.