bay area attorney who deals with credit issues

What is the Fair Debt Collections Practices Act?

The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

What is Bay Area Credit Service?

Bay Area Credit Service is a third-party collection agency based in Georgia. BACS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If BACS has contacted you about past due collection ...

What does it mean when a debt collector calls you?

You are receiving calls at work from a debt collection agency. Debt collectors are calling your family, friends, neighbors, or coworkers. Collectors are threatening you with violence, lawsuit, or arrest. A debt collector attempts to collect more than you owe. You are being threatened with negative credit reporting.

What is a detailed profile of a law firm?

Detailed law firm profiles have information like the firm's area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

Is it a good idea to research your lawyer before hiring?

It is always a good idea to research your lawyer prior to hiring. Every state has a disciplinary organization that monitors attorneys, their licenses, and consumer complaints. By researching lawyer discipline you can:

What is a late fee?

Late fees – deliberately setting payment due dates on non-business days, causing the payment to be processed on a later day in order to collect late fees and excess interest. Double charging – charging customers twice for the sale transaction.

What is the Gibbs Law Group lawsuit?

Gibbs Law Group filed a class action lawsuit on behalf of customers of Providian Financial credit card services, alleging that Providian engaged in a variety of fraudulent business practices, including assessing unauthorized charges. The Court granted final approval to a $105 million cash settlement, one of the largest all-cash settlements reached on behalf of credit card holders for unfair marketing and billing practices.