Category Archives: Debt Collectors

Know your rights regarding debt collectors

CAN THE BANK GARNISH MY WAGES FOR THE DEFICIENCY AFTER THEY REPOSSESSED MY CAR AND SOLD IT FOR LESS THAN THE AMOUNT OWED?

The bank repossessed the car and now the bank is saying that they will garnish my wages to get their money. I bought my car with a warranty and after it caught fire the insurance company refused to pay. I … Continue reading

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MORTGAGE PAYMENTS AFTER A CHAPTER 7 DISCHARGE

You filed bankruptcy and the lender is still wanting you to make payments.  If you filed a Chapter 7 bankruptcy, you are no longer liable if you fail to make payments on your mortgage payment. This does not mean that … Continue reading

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CAPITAL ONE ADMITS WRONGDOING AND PAYS A LOT OF MONEY

Many people are calling for the abolition of the Consumer Financial Protection Bureau (CFPB) which was only recently formed. Why would an agency, charged with the protection of consumers and charged with deterring deceptive practices by lenders be opposed by … Continue reading

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ANNUITY AND RETIREMENT EXEMPTIONS UNDER SOUTH CAROLINA AND BANKRUPTCY LAW

There are numerous annuity and pension exemptions under South Carolina law that can also be used to protect your pension or annuity if you file a bankruptcy case.  What this means is that you are allowed to keep the money … Continue reading

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DEBT COLLECTORS CANNOT ABUSE YOU UNLESS YOU ALLOW THE ABUSE

MAKE THE CHOICE TO BE HARASSED BY A CREDITOR OR DEBT COLLECTOR OR DO NOT TAKE IT ANYMORE Knowing your rights will help you to stop debt collector abuse. Do you know your rights when a creditor calls you and … Continue reading

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DEBT COLLECTORS- – HOW TO PUNISH THE DEBT COLLECTORS

PUNISHING A DEBT COLLECTOR WHO IS BREAKING THE RULES Debt collectors constantly violate the rules of the Fair Debt Collection Practices Act and the South Carolina Consumer Protection Code.   Why do debt collectors regularly break the laws.   The … Continue reading

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