Category Archives: creditor harassment

The Hazards of Tribal Payday Loans

A few years ago, I appeared on a local news station to discuss the problems payday loans: The interest rates on payday loans can often reach 365% or more.  You can read more about the pitfalls of payday loans in this article that I wrote after doing the television interview. What I recently discovered is…

Harassed by Alternative Recovery Management?

From time to time, I will call out specific companies for particularly aggressive or illegal collection activities.  In the past, I have written about Navy Federal Credit Union and Bank of America.  Today’s target is a local collection agency called Alternative Recovery Management (“ARM”). ARM is a collection agency located in La Mesa, CA.  Although…

New California Law Increases Paycheck Protection

People with low incomes that are facing wage garnishment to pay a debt can keep a little more of their paycheck beginning July 2013 thanks to the passage of Assembly Bill 1775.  AB 1775 provides a modest increase on the amount of wages that are exempt from a wage garnishment. Under the present law, someone…

Bankruptcy Basics: The Discharge Order

The main reasons that people file bankruptcy are to stop creditor harassment and get rid of their debts.  For individual debtors, the normal conclusion of a successful bankruptcy results in the entry of a discharge order.  But what exactly is a discharge order? A bankruptcy discharge is a federal court order that prohibits the collection…

Stopping Creditor Harassment

Under the Federal Fair Debt Collection Practices Act (“FDCPA”), creditors cannot “harass, oppress, or abuse any person in connection with the collection of a debt”.  Common examples of illegal harassment are: The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The…