Helbing Law Office Logo by Timothy Helbing located in Appleton, WI serving chapter 7 and chapter 13 bankruptcy

Supreme Court considering whether debt buyers must follow FDCPA

In 2012, a group of debtors filed a class action lawsuit against a Santander Consumer USA Holdings Inc., a Dallas-based debt buyer specializing in auto loans. Santander had bought the debtors’ loans from other holders and was attempting to collect them. The debtors claim Santander was violating the Fair Debt Collection Practices Act by bypassing […]

2 ways credit reporting errors can cause harm

Credit reporting companies are designed to provide businesses, landlords and others with information about potential consumers. They are supposed to be helpful, but in some cases they can cause a great deal of harm. Two issues that can result from an error in your credit report include resulting in higher prices and denials for victims. […]

Debt collection regulations: Changes may soon go into effect

Collection companies are allowed to contact consumers and request payment, but within reason. Regulations on what is and is not allowed were passed in 1977 under the Fair Debt Collection Practices Act. This law was passed with the intention that it would serve two purposes: Consumer protection. The law is designed to protect consumers from […]