Credit Reporting

Bad Envelope = FDCPA Violation

Douglass v Convergent Outsourcing Third Circuit Court of Appeals The Third Circuit Court of Appeals on August 28, 2014 issued a precedential opinion in the case of Douglass v Convergent Outsourcing f/k/a ER Solutions, Inc. Douglass filed an action against Convergent Outsourcing for sending a collection letter using a window envelope that exposed Mr. Douglass’s…

Credit Reporting

Keep Your Envelopes

Now that the Court has spoken on this issue, it is a violation for a debt collector to disclose on the outside of an envelope (or if you can see it through the envelope window) any personal information other than the debt collector’s address. This can include a file number, identification number or a QR…

CACH is back
Junk Debt Buyers

CACH is back

CACH is a junk debt buyer that we used to deal with all the time.  They were a step above other debt buyers… it seemed that they always had a few more documents than other companies did.  They were a threat to consumers.  We had great success against them, but it was definitely a more…