Unfortunately, many Florida consumers are overcharged for debt settlement services. Further, these companies often make false and misleading statements to solicit payment and encourage consumers to default on debt. Does…
What is the FCRA? The FCRA is the Fair Credit Reporting Act, a consumer protection statute that “was enacted ‘to require that consumer reporting agencies adopt reasonable procedures for meeting…
With so much financial uncertainty and issues with identity theft, staying on top of your credit report is more important than ever before. Understanding your credit report and reviewing for…
Free Credit Reports are now available weekly from Equifax, Experian, and TransUnion through April of 2021. Due to the COVID-19 pandemic, each of the three major credit reporting agencies are…
Who can a debt collector call while trying to collect a consumer debt? As a general rule, the Fair Debt Collection Practices Act (FDCPA) prevents a debt collector from communication…
Sample Letter to Dispute Credit Report As many as 1 in 4 consumers have credit report errors, but the Fair Credit Reporting Act (FCRA) requires you to dispute the error…
5 Common Debt Buyer Lawsuit Defenses We previously discussed Common Defenses to a Credit Card Lawsuit and focused on those cases filed by an original creditor. Here, we are dealing…
5 Common Defenses to a Credit Card Lawsuit Although no two clients or lawsuits at Florin Legal are the same, here is a list of 5 common defenses to a…
Florida Small Claims Pretrial Florida Small Claims Court handles cases with damages under $8,000, excluding costs, interest, and potentially attorney fees; however, an overwhelming amount of those cases are based…