Credit Report Problems

Everyone has credit report problems.  It can be an incorrect entry, an account that you paid off that’s mis-marked, an incorrect amount, an incorrect delinquency, or a host of other things.   Fortunately, you have protection under the Fair Credit Reporting Act (FCRA).  The FCRA is a powerful federal law that governs all credit reporting…

Who is Cavalry SPV?

We’re getting lots of cases from Cavalry SPV.  These cases are being filed in District Justice Court and the Court of Common Pleas.  In most instances, Cavalry is being represented by the fine attorneys at Apothaker Scian.   You’ve never had an account with Cavalry, you’ve never had a contract with them, they’ve never lent…

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…

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…

PA Judgment Laws

We get many calls about judgments and Statute of Limitations in Pennsylvania. Most people say “the judgment is over 5 years old, so why are they still trying to collect?”   The error there is the mixed combination of legal theories.   A statute of limitations applies to the amount of time that a creditor…

Your Rights under the Fair Credit Reporting Act (FCRA)

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a…