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…

Credit Reporting

1099C from a Debt Collector

The IRS requires any entity discharging a debt to file an “information return” on a Form 1099-C with the IRS. See Treas. Reg. § 1.6050P-1(a). Debt collectors or creditors will sometimes mail a form 1099-C to a consumer when debt is settled, discharged, or is no longer collectable. The most relevant requirements for our typical…

Credit Card Lawsuit | Student Loans

PA Debt Collection Laws

For today’s blog post I want to talk about some general collection issues and terms that we get asked about quite often.   Let’s start with the Statute of Limitations.   The Statute of Limitations (SOL) for credit card debt in Pennsylvania is 4 years (3 years on some cases).   Well, 4 years from when, exactly?   The…