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Unlike most bankruptcy firms in the Dallas / Fort-Worth area, Allmand Law Firm, PLLC spends the time to understand the complete financial picture for every one of our clients. We provide resources, tools and advice to address the unique needs of North Texans.

Recent Posts in Debt Collectors

  • How Does The Automatic Stay Help Those Filing for Bankruptcy?

    Posted By Allmand Law Firm, PLLC || 6-Sep-2016

    Filing bankruptcy can be an intimidating decision. But, did you know that there are various tools that can protect you during the process? In fact, one of the most beneficial tools for those filing bankruptcy is the automatic stay. The automatic stay is a part of all bankruptcy cases, and it stops all collection actions you may be facing from creditors or debt collection agencies. The automatic ...
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  • How Does Bankruptcy Stop Debt Collectors?

    Posted By Allmand Law Firm, PLLC || 2-Dec-2013

    Debtors looking for relief from constant phone calls and mailings from bill collectors may wonder about how bankruptcy protection works. You may see and hear advertisements on the television and radio about using bankruptcy to stop bill collection activity, but many may not understand how the process works or even realize they may qualify to obtain such protection. When you file bankruptcy an ...
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  • Stopping Collection Attempts from Creditors with Bankruptcy

    Posted By Allmand Law Firm, PLLC || 17-Jul-2013

    Bankruptcy may help stop a number of collection attempts from creditors depending on your situation. Many people have a habit of ignoring or neglecting collection notices from creditors and wait too long to begin the filing process. Meaning in some cases, it may have made sense legally to file sooner to avoid further action being taken against you. Wage garnishment, having bank account funds ...
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  • Understanding Your Rights When Dealing with Debt Collectors and Bankruptcy

    Posted By Allmand Law Firm, PLLC || 13-Jun-2013

    One of the most common reasons why people file bankruptcy is to stop harassment from debt collectors. Debtors who file for protection should be aware of their rights and how to protect them. With a large number of people struggling during these hard economic times, debt collectors will do whatever it takes to collect payment. Households around the country have enough pressure to deal with ...
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  • I Filed Bankruptcy: Why Are Creditors Still Contacting Me?

    Posted By admin || 19-Mar-2013

    Debtors often expect creditor collection attempts to stop immediately when they file for bankruptcy protection. Sometimes the creditor isn't aware of the filing yet, which explains the collection correspondence you've just received in the mail. But, what if their attempts are still ongoing including phone calls at home, work and even attempts by mail? An important action to take would be to notify ...
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  • What Happens When Creditors Try to Collect after My Bankruptcy is Discharged?

    Posted By admin || 12-Feb-2013

    Collection After Bankruptcy When you receive a discharge at the end of your bankruptcy case you are not responsible for paying the debt. A discharge basically extends the protection of the automatic stay that went into effect when you filed your petition. Debts not eligible for discharge may continue to be the responsibility of the debtor. On the other hand, creditors who try to collect on a ...
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  • Using Bankruptcy to Stop Credit Card Collections

    Posted By admin || 4-Dec-2012

    Can Bankruptcy Stop Credit Card Collections? Bankruptcy CAN stop collection attempts from credit card companies that include lawsuits or other forms of legal action. The automatic stay offers protection from collection attempts and stays in place until your case is completed. The stay goes into effect when you file bankruptcy, either Chapter 7 or Chapter 13. The Automatic Stay When you file ...
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  • Can I Be Sued by Debt Collectors Before Debt Has Been Verified?

    Posted By admin || 16-Jul-2012

    Consumers who are skeptical about debt they are being sued for should have it verified before taking additional steps to get that debt resolved. Since creditors are known to sell debt accounts to collection agencies it is possible to find errors in account data. Such errors may lead to the agency trying to collect on debt that has already been paid, an incorrect amount of debt listed on the ...
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  • Debtor Claims of Multiple Contact Attempts from Creditor after Bankruptcy Filing

    Posted By admin || 5-Jul-2012

    A debtor who lives in Florida claims Bank of America continued to make multiple phone calls attempting to collect on outstanding debt after he filed bankruptcy, according to the Huffington Post and the Bankruptcy Law Network. The issue was recently presented to a Florida bankruptcy judge and the outcome should serve as a warning to other creditors who violate the bankruptcy code when a debtor ...
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  • Questions and Answers about Debt Collectors and Collection Practices

    Posted By admin || 23-May-2012

    Debt Collectors and Collection Practices Being contacted from a debt collector may pose some questions and concerns that should be reviewed before making payment. Sometimes consumers are unsure about certain actions debt collectors are allowed and not allowed to do, which can give debt collectors a more likely chance to take advantage of someone not familiar with their rights. The following ...
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  • Be Aware of Con-Artists Claiming to be Debt Collectors

    Posted By admin || 15-May-2012

    Con-Artists Claiming to be Debt Collectors With a struggling economy, more scammers are trying to take advantage of people who are unable to make payments on their bills. Recent news reports alert consumers about scammers calling and claiming to be debt collectors in order to get personal details and even money from unsuspecting consumers. Scammers claim to be debt collectors but they are thieves ...
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  • Most Common Questions about Debt Collectors

    Posted By admin || 4-May-2012

    Dealing with debt collectors can be a challenging process whether or not you owe what they are trying to collect on. Debt collectors may exercise practices that are unfair in order to get debtors to pay. While it's true they can file a lawsuit for an outstanding liability, many feel that debtors are unaware of their consumer rights. The following common questions may give a better understanding of ...
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  • When Creditors Try to Collect During Bankruptcy

    Posted By admin || 14-Mar-2012

    When Debt Collectors Try to Collect During Bankruptcy If you have filed for bankruptcy and a creditor continues to try and collect from you, they could be in violation of the automatic stay. The purpose of the automatic stay in bankruptcy is to stop collection activity by creditors, including various forms of legal action such as wage garnishment. In most cases creditors are prohibited from ...
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  • Debt Collectors Taken to Court After Harassing Widow Over Unpaid Debt

    Posted By admin || 25-Jan-2012

    Recent reports from multiple news outlets have highlighted a recent dispute with a senior citizen from Florida and her issues with alleged violations from a debt collection firm hired by Bank of America Corp. The Wall Street Journal (WSJ) reports a Florida woman (plaintiff) has retained legal representation and filed a lawsuit regarding collection tactics used to collect from her. Part of the ...
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  • Bankruptcy News: What to Do if a Creditor Harasses You

    Posted By admin || 17-Jan-2012

    What to Do if a Creditor Harasses You You've started the proceedings to declare bankruptcy some time ago - and yet your creditors are still calling you constantly. There's not a moment's peace from these creditors: if they're not contacting you by letter, they're contacting you throughout the day, be it at work or at home. It has come to the point where you're so sick of hearing from them that ...
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  • What to Do if Creditors Are Harassing You After You File Bankruptcy

    Posted By admin || 9-Jan-2012

    Creditor Harassment and Bankruptcy Being Harassed After Bankruptcy? Under U.S. bankruptcy law, petitioning for a Chapter 7, Chapter 11 or Chapter 13 bankruptcy means that creditors must immediately stop all of their collection efforts. However, it might seem as though a few of your creditors didn't get the notice. The collection letters are still being stuffed in your mailbox, and you've been ...
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  • Debt Collection Abuses Worsen

    Posted By admin || 29-Nov-2011

    The Federal Trade Commission has announced that the number of complaints against debt collectors has experienced a spike since the 2008. The Federal Trade Commission reports that the number of complaints about debt collectors rose from 104,766 a year in 2008 to 140,036 in 2010, says Tom Pahl, assistant director of the FTC's division of financial practices. And one of those complaints, which ...
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  • Debtor Rights Under The Fair Debt Collection Practices Act

    Posted By admin || 23-Nov-2011

    Fair Debt Collection Practices Act and Your Rights Debtors facing collections actions by creditors have a specific set of rights as defined by the Fair Debt Collection Practices Act (FDCPA). Let's take a look at a few of these rights: The Right To Know A debtor facing collections actions by a third-party collector has the right to know that they are being contacted for the purposes of collecting ...
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  • Scam Alert! Phony Debt Collectors On The Prowl Again

    Posted By admin || 8-Jul-2011

    The Better Business Bureau has issued an alert that phony debt collectors are once again on the prowl intimidating debtors into giving out private financial information and wiring money. Here's what you need to look out for: The phony debt collectors usually claim to be lawyers and threaten the debtor with imprisonment if they do not pay the debt. This is a sure sign that it's a scam job because ...
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  • Credit Card Companies Using Violence To Collect Debt Overseas?

    Posted By admin || 7-Jul-2011

    A recent report about an Indonesian man who was allegedly beaten to death after failing to pay back $12,000 in credit card debt is yet another reminder of what state American debtors could be in if it were not for the hard fought laws protecting the indebted. On March 29, Mr. Octa traveled to Citi's local offices where, police allege, he was brutally beaten by debt collectors. He was pronounced ...
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  • Bankruptcy Debtor Beware Of Automatic Stay Violators

    Posted By admin || 24-Jun-2011

    When a debtor files bankruptcy, the creditors to whom they owe money are supposed to stop trying to collect. But as you may have guessed, that's not always what happens. Sometimes, the creditor in a bankruptcy case takes their chances and attempts to pry some money out of the debtor even after they have filed bankruptcy. Some debtors who don't understand the bankruptcy process or who are so ...
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  • Some Debt Collectors Get Aggressive With "No Asset" Debtors Who Avoid Bankruptcy

    Posted By admin || 11-Feb-2011

    There's a bit of bad advice going around for debtors who have no assets and are in default on their loans. Some are suggesting that "no asset" debtors avoid bankruptcy and simply stop paying their debts. But there are a few things "no asset" debtors should consider before they decide to stop paying while forgoing bankruptcy: If a "no asset" debtor avoids bankruptcy and stops paying their credit ...
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  • Three Dirty Debt Collection Tricks You Need To Know About

    Posted By admin || 12-Nov-2010

    Despite what some economists say, the "real" economy is still in a deep recession and that means that more debt collectors are engaging in tactics which are outright unfair and downright dirty. A matter of fact, debt collections tactics have gotten so dirty that Fair Debt Collection Practices Act (FDCPA) lawsuits spiked to 441 in the Sept. 16-30 period, compared to 390 in the first half of ...
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  • Fake Courtrooms, Judges, Sheriffs? The Depths To Which Debt Collectors Stoop

    Posted By admin || 3-Nov-2010

    Accusations that a debt collection firm, Unicredit Debt Resolution Center, is using fake a courtroom, judges and sheriffs to coerce debtors into revealing their bank account numbers and signing over the title of their cars to pay delinquent debts has the attorney general's office in Pennsylvania steaming. A sign in the front of a building on West 39th Street tells visitors that it's the Unicredit ...
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  • Is Your Facebook Page A Goldmine For Debt Collectors?

    Posted By admin || 10-Oct-2010

    Despite the "official" word that the recession is over, we all know that the recession is still raging on. And with that recession comes very aggressive debt collectors willing to do almost anything to get paid. One of the new tactics that debt collectors are using is scouring social networking sites such as Facebook to glean information about debtor's financial status. That's right, debt ...
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  • Are Debt Vultures Exploiting Companies In Chapter 11 Bankruptcy?

    Posted By admin || 8-Oct-2010

    Now that the housing bubble has burst many debt vultures are focusing on what's being described as the bankruptcy exchange. Many entities looking to make a quick and "easy" buck are buying up heavily discounted debt during a company's bankruptcy and then using their leverage as a creditor to mold the company's Chapter 11 bankruptcy reorganization plan to their benefit while working hard to ...
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  • Credit Card Companies, Fake Debt and Harassment: What Can You Do?

    Posted By admin || 19-Sep-2010

    It's happening more often in today's economy than before, or at least it seems that way, credit card companies coming after debtors who don't owe them anything. Have you had it these illegal debt collection practices happen to you? Are you receiving phone calls, letters and even lawsuits demanding the payment of debt that you don't owe? Below are a few tips on what you can do to stop the ...
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  • Exercising Your Debtor Rights

    Posted By admin || 28-Aug-2010

    Many debtors feel helpless under the onslaught of bills, but every debtor has a specific set of rights as established and protected by the Fair Debt Collection Practices Act. It is important that every debtor exercise his/her rights when they are contacted by a bill collector. Here's what you need to know: When a debt collector contacts you regarding a debt the law requires that they provide the ...
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  • Debt Collectors Using A Back Door To Debtors' Prison?

    Posted By admin || 12-Aug-2010

    There seems to be a disturbing trend developing nationwide, many debt collectors are manipulating the court system in an effort to imprison debtors who have defaulted on their loans. Here's what is happening? Very small debts are being bundled and sold to debt collection companies. Small debts, which are often under $100 each, are bundled together by the debt collector who then pursues the debtor ...
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  • Fair Debt Collection Practices Act and Your Rights

    Posted By admin || 8-Aug-2010

    As we warned over a year ago, debt collectors are becoming more aggressive and more brazen in their attempts to collect on delinquent debt. Many of the practices being used by some debt collectors are unethical or even downright illegal. That's why every debtor needs to know their rights as defined and enforced by the Fair Debt collection Practices Act. Your Rights Under the Fair Debt Collection ...
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  • Debt Collection Firm Implodes Creating A Nightmare For Debtors and Creditors

    Posted By admin || 11-Jul-2010

    Mann Bracken, a debt collection law firm collapsed and shut its doors after a spinoff company handling its support work toppled into Chapter 7 bankruptcy, cutting the law firm off from the computerized files it needed to function. After the support firm went into Chapter 7 bankruptcy, Mann Bracken was unable to figure out who should be paid what as debtor's wages were garnished and proceeds sent ...
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  • There Is No National Debt Settlement Program Run By The Government

    Posted By admin || 19-Jun-2010

    Potentially damaging rumors are spreading across the country that there is an Obama or government run national debt settlement program that will wipe away a debtor's bills. The truth is that no such program exists and it is just another one of the lies many unscrupulous debt settlement companies are using to swindle debtors out of their hard earned cash. Please don't fall for this lie. Below are ...
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  • Five Benefits Of Filing Bankruptcy

    Posted By admin || 13-Jun-2010

    Debtors who file for bankruptcy immediately enjoy some of the unique benefits offered to them under the law. Let's take a look at some of the benefits of filing bankruptcy: Bankruptcy will stop creditors from calling you, sending you letters and prohibit them from demanding payment from you. Even if some of your debts are not legally dischargeable under the bankruptcy law, even those creditors ...
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  • Three Reasons Why Creditors Challenge A Debtor's Bankruptcy

    Posted By admin || 12-Jun-2010

    When Creditors Challenge A Bankruptcy Filing While it doesn't happen often, sometimes a creditor may challenge a debtor's Chapter 7 bankruptcy or Chapter 13 bankruptcy filing. Reasons a Creditor Might Challenge a Bankruptcy Filing Below are some of the most common reasons a creditor might challenge a bankruptcy filing: The creditor has noticed that the debtor made charges on their credit card ...
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  • What Businesses And Consumers Need To Know About The Fair Debt Collection Practices Act

    Posted By admin || 11-Jun-2010

    The Fair Debt Collection Practices Act only governs certain types of debt and does not protect businesses who owe business debt. The following are some of the requirements debts must meet in order to be governed by the Fair Debt Collection Practices Act: The debt must be a consumer debt which was incurred for personal, household or family reasons. For example, if you have a credit card and used it ...
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  • Filing For Chapter 13 Bankruptcy Without Your Spouse

    Posted By admin || 11-Jun-2010

    Chapter 13 bankruptcy allows the debtor to repay part or all of their debts over the course of 3 to 5 years with any remaining unsecured (and dischargeable) debt being discharged from bankruptcy at the end of the repayment term. For debtors who are married, filing Chapter 13 bankruptcy may become complicated if they choose to file bankruptcy alone. Let's take a look at some of the problems a ...
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  • Preventing Bank Levies After Filing Bankruptcy

    Posted By admin || 9-Jun-2010

    When debtors file for bankruptcy without the help of an attorney they often run into troubles such as post-bankruptcy filing bank levies. One of the mistakes that pro se bankruptcy filers make when submitting their bankruptcy paperwork is forgetting to notify all of the parties involved in collecting their debt payments. For example, before filing for bankruptcy, many debtors have active lawsuits ...
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  • Credit Card Authorized User vs. Joint Account Holder

    Posted By admin || 7-Jun-2010

    There seems to be a lot of confusion about the difference between a credit card's authorized user and a joint account holder and debt collector practices aren't helping any. One of the most common but often least heard of dirty tricks of the debt collections industry is going after a credit card's authorized user for payment when the main account holder has defaulted on their credit card loan. So ...
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  • What Credit Card Debtors Should Know About The Statute Of Limitations

    Posted By admin || 2-Jun-2010

    Credit Card lenders and their debt collectors have a limited amount of time to sue debtors for failing to repay credit card debt. In the state of Texas, the statute of limitations for open ended type debts such as a credit card is four years. A debt collector pursuing a debtor for payment on a credit card debt is prohibited from filing a lawsuit against that debtor after the statute of limitations ...
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  • Three Reasons Why Waiting For Debts To Disappear Is A Bad Financial Strategy

    Posted By admin || 1-Jun-2010

    It can happen to the best of us-we lose a job, fall on hard times and our bills go unpaid. But many of us opt to simply ignore our debts instead of coming up with a plan to either repay them or make them go away legally. Many of us mistakenly believe that debts will just go away after a lot of time; but this proves a bad strategy especially during a recession. Here's why: Creditors never forget. ...
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  • Bankruptcy Offers Limited Automatic Stay Protection For Co-Signers

    Posted By admin || 29-May-2010

    Do you have debt that has been co-signed by a relative or friend? Well if you file for bankruptcy, there is some limited protection for that co-signer through the automatic stay; but it is only temporary. Debtors who file for Chapter 7 bankruptcy or Chapter 13 bankruptcy enjoy the full protection of the automatic stay during bankruptcy and cannot be pursued by creditors for the repayment of a debt ...
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  • Why Having A Co-Signer Is Not The Best Way To Rebuild Credit

    Posted By admin || 21-May-2010

    Millions of Americans negatively impacted by job losses and battered credit ratings are looking for "easy" ways to rebuild their credit worthiness. One of the most recommended ways to rebuild credit worthiness is for a debtor to have a trusted (and credit worthy) family member or friend add them to their credit card. Credit "gurus" often suggest this method because by adding the debtor to ...
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  • The 6th Circuit Court Rules In Favor Of Debt Collector

    Posted By admin || 9-May-2010

    In the bankruptcy case of Wingerter, Gerald and Janet G.; In re (B-Line LLC v. Wingerter) , the 6 th Circuit Court ruled that Rule 9011 does not impose a continuing obligation on a creditor to obtain more information or revaluate its position as the case develops and that the bankruptcy court erred when it sanctioned the creditor, B-Line. The details of the bankruptcy case: B-Line LLC, a business ...
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  • Court Finds That Bank of America Willfully Violated Debtors' Bankruptcy Discharge

    Posted By admin || 2-May-2010

    In the Chapter 7 bankruptcy case of McClure, Danny J. and Kimberly D.; In re (McClure v. Bank of America, et al.) , the bankruptcy court found that the creditor Bank of America (BoA) and the collection agency willfully violated the discharge injunction and awarded the debtors $2,500 in compensatory damages and $79,839 in attorney's fees. The details of the bankruptcy case: When the debtors filed ...
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  • How To Keep Debt Collectors' Prying Eyes Out Of Your Private Life

    Posted By admin || 26-Apr-2010

    Keeping Your Personal Business Private From Bill Collectors Debt collectors have gone to a new low. They are no longer simply satisfied with calling debtors at all times of the day or night and sending threatening letters, they are now trolling the internet so they can find out debtor's personal information. Many debt collectors are using social networking tools such as Facebook, LinkedIn, MySpace ...
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  • Myths and Facts About Debt Collection

    Posted By admin || 24-Mar-2010

    Many debtors are intimidated by debt collectors who often cast themselves as these all powerful entities who can wreck havoc on a debtor's life. But the truth of the matter is that debt collectors aren't as powerful as they seem, it's just that many debtors' lack of knowledge about their rights and the limitations of debt collectors make them vulnerable to debt collector tall tales. Here are a ...
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  • Four Reasons Chapter 7 Bankruptcy May Be Right For You

    Posted By admin || 22-Mar-2010

    If you are low or no-asset debtor, it is unlikely that you will need to pay any money to your creditors or be required to liquidate any of your assets. Because of the bankruptcy codes' generous exemptions system, many Chapter 7 bankruptcy debtors are able to protect all of their assets from seizure during bankruptcy. Because of bankruptcy exemptions, most Chapter 7 bankruptcy debtors are able to ...
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  • Five Tips For Self-Employed Debtors Filing Bankruptcy

    Posted By admin || 15-Mar-2010

    Tip #1 - Make sure your business and personal finances are separate before you file bankruptcy. Take an effort to keep track of your business expenses and income while simultaneously keeping your private finances in order before you bankruptcy filing. Tip #2 - Work with an accountant if necessary to calculate what your monthly income is before you file bankruptcy. The bankruptcy court will look at ...
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  • What Senior Citizens Need To Know About Reverse Mortgages

    Posted By admin || 3-Mar-2010

    Reverse mortgages have become a very popular method for seniors to get cash out of their home during this recession. But what do senior citizens need to know about reverse mortgages before they commit? While reverse mortgages are a "no recourse" loan, the heirs of the debtor may still lose the property (to foreclosure) if the loan is not repaid after the debtor's death or move. Reverse mortgages ...
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  • Unlisted Debt Comes Back To Haunt Bankruptcy Debtor

    Posted By admin || 3-Mar-2010

    In the bankruptcy case of Mammola, Robert J.; In re, 20 the bankruptcy debtor failed to list a creditor who later filed a lawsuit against the debtor. After attempting to reopen the bankruptcy case so that the omitted creditor could be included in the discharge, the bankruptcy court denied the debtor's request. The details of the bankruptcy case: The debtor filed for Chapter 11 relief in 1990. In ...
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  • How Car Title Loans Can Wreck Your Financial Health

    Posted By admin || 1-Mar-2010

    When debtors take out a car title loan it's usually because they feel that they have run out of options. A car title loan allows them fast access to money for 30 days; but unfortunately at a high price. Car title loans have interest rates that can climb as high as 25 percent per month. Car title lenders will loan the debtor a small amount of cash in exchange for a promise that if they don't repay ...
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  • Federal Trade Commission To Reimburse Consumers Scammed By Debt Collectors

    Posted By admin || 1-Mar-2010

    The Federal Trade Commission (FTC) successfully sued three debt collection companies who scammed consumers into paying money they did not really owe. A total of $1.6 million was recovered from the debt collection scammers and will be distributed to 24,916 consumers. In 2003, the FTC sued three companies, operating under the name National Check Control, charging them with harassing and abusing ...
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  • Which Debts Are Covered By The Fair Debt Collection Practices Act?

    Posted By admin || 26-Jan-2010

    Debts Covered By The Fair Debt Collection Practices Act There are several requirements that a debt must meet before it becomes governed by the Fair Debt Collection Practices Act: The debt must be a consumer debt that was incurred for personal, household or family reasons. For example: Medical debt incurred because of a spouse's illness would meet this criterion; however, medical debt incurred ...
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  • Can Creditors Avoid An Automatic Stay?

    Posted By admin || 29-Dec-2009

    When a debtor files Chapter 7 or Chapter 13 bankruptcy, he/she will receive the protection of an automatic stay. The automatic stay prevents creditors from taking collection actions against the debtor in bankruptcy and also forbids the creditor from calling, writing, issuing a wage garnishment order, seizing the debtor's bank account or assets, filing a lawsuit or filing foreclosure on the ...
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  • Debt Collection Company Accepts $2.55 Million Judgment

    Posted By admin || 17-Nov-2009

    According to an article in the Star-Telegram, American Corrective Counseling Services, a debt collection company has agreed to a $2.55 million judgment to settle a lawsuit brought by thousands of debtors who claimed they were wrongly led to believe they had to pay costly fees to avoid criminal charges for bouncing checks. The article said: "The company sent out letters as recently as last winter ...
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  • Grieving Widow Sues Mortgage Company For Causing Her Husband's Death

    Posted By admin || 29-Sep-2009

    According to an article in the Star-Telegram, a widow is claiming that debt collectors hounded her husband to death with as many as nine harassing and illegal calls per day, causing stress that contributed to his fatal heart attack. She's suing Green Tree Servicing for damages, claiming that their illegal collection practices that led to her husband's heart failure on Dec. 4, 2005. The article ...
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  • Hounded by a Debt Collector....Know Abuse and Report Abuse

    Posted By admin || 28-Sep-2009

    No one likes to owe money. Most people don't plan on falling behind on their bills. Then... to add insult to the financial injury, a debt collector with an attitude calls you. Their job is plain and simple...to get you to pay. Some collector's though have the belief that their job is to get you to pay, regardless of what it takes. You might owe the debt. You probably feel guilty about what you ...
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  • Debts Of The Dead Are Not The Responsibility Of The Living

    Posted By admin || 14-Sep-2009

    Let's get this straight; you are not personally responsible for the credit card bills (or other debts) of your deceased relatives. As more debtors default on their credit card loans some "creative" bill collectors are seeking out the relatives of deceased debtors and asking that they pay on their dearly departed's credit card debt. Sometimes these requests are framed in a way to give the ...
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  • Ignoring Credit Card Debt Can Lead To Wage/Bank Account Garnishment

    Posted By Allmand Law Firm, PLLC || 18-Sep-2008

    With millions of Americans facing job losses and mounting credit card debt, many people are choosing to ignore calls and letters from debt collectors. Let's face it, when you're struggling to pay the basics (food and shelter), who has any money or energy left for the debts you can't pay off any time soon? But be forewarned, if collectors see that your debt is languishing and you ...
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