Debt Collection help - Revision history

Cicpbuchanan at 20:15, 25 April 2013

2013-04-25T20:15:48Z

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	<p>All debt collection regulations in California were sunset (shut down) in 1992. There is currently no state agency that accepts consumer complaints and mediates/investigates individual complaints.</p><br>		<p>All debt collection regulations in California were sunset (shut down) in 1992. There is currently no state agency that accepts consumer complaints and mediates/investigates individual complaints.</p><br>

-	<p>The best recourse today is for consumers to file a complaint with the Federal Trade Commission (FTC) and the Attorney General’s office. They don’t act on individual consumer complaints but do look at trends and file large cases. Consumers should also contact their local ~~Beter~~ Business Bureau or District Attorney’s office, as some of them have mediation programs.</p><br>	+	<p>The best recourse today is for consumers to file a complaint with the Federal Trade Commission (FTC) and the Attorney General’s office. They don’t act on individual consumer complaints but do look at trends and file large cases. Consumers should also contact their local Better Business Bureau or District Attorney’s office, as some of them have mediation programs.</p><br>

Cicpbuchanan at 22:13, 9 March 2012

2012-03-09T22:13:31Z

← Older revision		Revision as of 22:13, 9 March 2012
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-	'''~~Beter~~ Business Bureau Southland:'''<br>	+	'''Better Business Bureau Southland:'''<br>

	[http://www.la.bbb.org/GIReport.aspx?NewsID=288 '''www.la.bbb.org''']<br>		[http://www.la.bbb.org/GIReport.aspx?NewsID=288 '''www.la.bbb.org''']<br>

Cicjscribner at 19:18, 8 March 2011

2011-03-08T19:18:02Z

← Older revision		Revision as of 19:18, 8 March 2011
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		+	<p>[[File:Whitebox.jpg\|914-Collection Agency\|link=_Hint]]</p>
		+
	{\| align="center" border = 0		{\| align="center" border = 0
	!		!

Cicjscribner at 21:22, 3 January 2011

2011-01-03T21:22:08Z

← Older revision		Revision as of 21:22, 3 January 2011
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	'''Department of Consumer Affairs:'''<br>		'''Department of Consumer Affairs:'''<br>

-	[http://www.dca.ca.gov/publications/legal_guides/dc_2.pdf '''~~SUMMARY OF THE~~	+	[http://www.dca.ca.gov/publications/legal_guides/dc_2.pdf '''Summary of the fair debt collection practices statutes''']<br>
-	~~FAIR DEBT COLLECTION PRACTICES STATUTES~~''']<br>	+

	[http://www.dca.ca.gov/publications/small_claims/collect.shtml '''After the Judgment - collecting or Satisfying the Judgment''']<br>		[http://www.dca.ca.gov/publications/small_claims/collect.shtml '''After the Judgment - collecting or Satisfying the Judgment''']<br>
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	'''San Diego District Attorney:'''<br>		'''San Diego District Attorney:'''<br>

-	[http://www.sandiego.gov/cityattorney/pdf/cepunewsoct10.pdf	+	[http://www.sandiego.gov/cityattorney/pdf/cepunewsoct10.pdf '''Consumer news - San Diego City Attorney's Office''']<br>
-	'''Consumer news - San Diego City Attorney's Office''']<br>	+

Cicjscribner at 21:18, 3 January 2011

2011-01-03T21:18:25Z

← Older revision		Revision as of 21:18, 3 January 2011
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	'''Consumer Action:'''<br>		'''Consumer Action:'''<br>

-	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''Consumer Action News Winter 2007-2008''']<br>	+	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''Consumer Action - News Winter 2007-2008''']<br>

	[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''Consumer Action - Help Desk FAQ - What types of debt collectors are sunject to the FDCPA?''']<br>		[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''Consumer Action - Help Desk FAQ - What types of debt collectors are sunject to the FDCPA?''']<br>
Line 123:		Line 123:

	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''Consumer Action - FTC proposes new rules for collecting debt from dead people''']<br>		[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''Consumer Action - FTC proposes new rules for collecting debt from dead people''']<br>
-

	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''Consumer Action - Robo-signing at debt collection companies''']<br>		[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''Consumer Action - Robo-signing at debt collection companies''']<br>
Line 154:		Line 153:
	FAIR DEBT COLLECTION PRACTICES STATUTES''']<br>		FAIR DEBT COLLECTION PRACTICES STATUTES''']<br>

-	[http://www.dca.ca.gov/publications/small_claims/collect.shtml '''After the Judgment ~~... Collecting~~ or Satisfying the Judgment''']<br>	+	[http://www.dca.ca.gov/publications/small_claims/collect.shtml '''After the Judgment - collecting or Satisfying the Judgment''']<br>

	[http://consumerwiki.dca.ca.gov/wiki/index.php/Collection_Agencies '''Collection Agencies''']<br>		[http://consumerwiki.dca.ca.gov/wiki/index.php/Collection_Agencies '''Collection Agencies''']<br>

Cicjscribner at 21:15, 3 January 2011

2011-01-03T21:15:51Z

← Older revision		Revision as of 21:15, 3 January 2011
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	'''Consumer Action:'''<br>		'''Consumer Action:'''<br>

-	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''~~www.consumer~~-~~action.org/downloads/english/CA_News_winter~~''']<br>	+	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''Consumer Action News Winter 2007-2008''']<br>

-	[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''~~www.consumer~~-~~action.org/helpdesk/articles/debt_collectors~~''']<br>	+	[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''Consumer Action - Help Desk FAQ - What types of debt collectors are sunject to the FDCPA?''']<br>

-	[http://www.consumer action.org/~~helpdesk~~/articles/~~what_can_i_do_if_im_being_harassed_by_a_collection_agency/~~ '''~~www.consumer action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency~~''']<br>	+	[http://www.consumer-action.org/index.php/alerts/articles/arbitration_doesnt_shield_debt_collectors_from_liability '''Consumer Action - Arbitration no shield for debt collectors''']<br>

-	[http://www.consumer action.org/~~index.php/alerts~~/articles/~~arbitration_doesnt_shield_debt_collectors_from_liability~~ '''~~www.consumer~~-~~action.org/index.php/alerts/articles/arbitration~~''']<br>	+	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''Consumer Action - FTC proposes new rules for collecting debt from dead people''']<br>

-	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>

-	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''~~www.consumer~~-~~action.org/press/articles/robo~~-~~signing_at_debt_collection_companies~~''']<br>	+	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''Consumer Action - Robo-signing at debt collection companies''']<br>

-	[http://www.consumer-action.org/alerts/articles/debt_settlement/ '''~~www.consumer~~-~~action.org/alerts/articles~~''']<br>	+	[http://www.consumer-action.org/alerts/articles/debt_settlement/ '''Consumer Action - Don't get caught in the debt settlement trap''']<br>

-	[http://www.consumer-action.org/~~press~~/articles/~~consumer_groups_warn_of_debt_settlement_trap/~~ '''~~www.consumer~~-~~action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap~~''']<br>	+	[http://www.consumer-action.org/english/articles/the_fair_debt_law_eng '''Consumer Action - The Fair Debt Law - Consumers in Debt Series''']<br>

-	[http://www.consumer-action.org/~~english~~/articles/~~the_fair_debt_law_eng~~ '''~~www.consumer~~-~~action.org/english/articles/the_fair_debt_law_eng~~''']<br>	+	[http://www.consumer-action.org/news/articles/collecting_debts_from_the_dead/ '''Consumer Action - Collecting debts from the dead''']<br>

-	[http://www.consumer-action.org/~~english~~/articles/~~collection_agency_eng~~/ '''~~www.consumer~~-~~action.org/english/articles~~''']<br>	+	[http://www.consumer-action.org/helpdesk/articles/mini_miranda_disclosure/ '''Consumer Action - Help Desk FAQ - What is the "mini-Miranda" warning?''']<br>

-	[http://www.consumer-action.org/news/articles/~~collecting_debts_from_the_dead~~/ '''www.~~consumer-action~~.org/~~news~~/~~articles~~/~~collecting~~''']<br>	+	[http://www.consumer-action.org/news/articles/2008_2009_winter_issue/ '''Consumer Action - 2008-2009 Winter Issue: Dealing with Debt''']<br>
		+
		+
		+
		+	'''Consumers Union:'''<br>
		+
		+	[http://www.consumersunion.org/pub/core_financial_services/001345.html '''Support for SB 339''']<br>
		+
		+	[http://www.consumersunion.org/pub/core_financial_services/016670.html '''Consumers Union recommends key areas for new Consumer Financial Protection Bureau to target''']<br>
		+
		+	[http://www.consumersunion.org/pub/core_financial_services/015701.html '''Beware of Debt Settlement Trap Consumer Groups Offer Debt-Strapped Consumers Advice on Getting Real Relief''']<br>
		+
		+
		+
		+	'''Department of Consumer Affairs:'''<br>
		+
		+	[http://www.dca.ca.gov/publications/legal_guides/dc_2.pdf '''SUMMARY OF THE
		+	FAIR DEBT COLLECTION PRACTICES STATUTES''']<br>
		+
		+	[http://www.dca.ca.gov/publications/small_claims/collect.shtml '''After the Judgment ... Collecting or Satisfying the Judgment''']<br>
		+
		+	[http://consumerwiki.dca.ca.gov/wiki/index.php/Collection_Agencies '''Collection Agencies''']<br>
		+
		+
		+
		+	'''Marin County District Attorney:'''<br>
		+
		+	[http://www.co.marin.ca.us/depts/DA/main/dist/consumerpages/debtagen.cfm?print=yes& '''WHAT TO DO IF YOU RECEIVE A DEMAND FOR PAYMENT FROM A CREDITOR OR DEBT COLLECTION AGENCY''']<br>
		+
		+
		+
		+	'''San Diego District Attorney:'''<br>
		+
		+	[http://www.sandiego.gov/cityattorney/pdf/cepunewsoct10.pdf
		+	'''Consumer news - San Diego City Attorney's Office''']<br>

-	~~[http://www.consumer-action.org/helpdesk/articles/mini_miranda_disclosure/ '''www.consumer-action.org/helpdesk''']<br>~~

-	~~[http://www.consumer-action.org/news/articles/2008_2009_winter_issue/ '''www.consumer-action.org/news''']<br>~~

Cicjscribner at 19:58, 3 January 2011

2011-01-03T19:58:57Z

← Older revision		Revision as of 19:58, 3 January 2011
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	'''Here are some helpful websites with more information:'''<br>		'''Here are some helpful websites with more information:'''<br>

-	~~Federal Trade Commission sites:~~

-	~~[http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm~~ '''~~www.ftc.gov/bcp~~''']<br>	+	'''Federal Trade Commission sites:'''<br>

-	[http://www.ftc.gov/os/~~statutes~~/~~fdcpajump~~.shtm '''~~www.ftc.gov/os~~''']<br>	+	[http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm '''Debt Collection FAQ's''']<br>

-	[http://www.ftc.gov/~~multimedia~~/~~video~~/~~credit/debt/debt-collection~~.shtm '''~~www.ftc.gov/multimedia~~''']<br>	+	[http://www.ftc.gov/os/statutes/fdcpajump.shtm '''Fair Debt Collection Practices Act Links''']<br>

-	[http://www.ftc.gov/~~opa~~/~~2010~~/07/~~debtcollect~~.shtm '''~~www.ftc.gov/opa~~''']<br>	+	[http://www.ftc.gov/multimedia/video/credit/debt/debt-collection.shtm '''Dealing with Debt''']<br>

-	[http://www.ftc.gov/opa/2010/01/~~academy~~.shtm '''~~www.ftc.gov/opa/2010/01/academy~~''']<br>	+	[http://www.ftc.gov/opa/2010/07/debtcollect.shtm '''FTC Issues Report on Reforming Debt Collection Litigation''']<br>

-	[http://www.ftc.gov/~~bcp~~/~~edu~~/~~pubs~~/~~consumer/credit/cre44~~.shtm '''~~www.ftc.gov/bcp~~''']<br>	+	[http://www.ftc.gov/opa/2010/01/academy.shtm '''Debt Collection Supervisors Settle FTC Charges''']<br>

-	[http://~~business~~.ftc.gov/~~blog~~/~~2010~~/11/~~second-largest-debt-collection-civil-penalty-ftc-history-%E2%80%93-and-new-compliance-resource-~~ '''~~business.ftc.gov~~''']<br>	+	[http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre44.shtm '''Debt Collection Arbitration: The Who, What, Why and How''']<br>

-	[http://~~www~~.ftc.gov/~~opa~~/~~2009~~/02/~~fdcpa.shtm~~ '''~~www.ftc.gov/opa/2009~~''']<br>	+	[http://business.ftc.gov/blog/2010/11/second-largest-debt-collection-civil-penalty-ftc-history-%E2%80%93-and-new-compliance-resource- '''Second Largest Debt Collection Civil Penalty in FTC History''']<br>

-	[http://www.ftc.gov/~~multimedia~~/~~video~~/~~credit~~/~~debt/debt-collection_eileen~~.shtm '''~~www.ftc.gov/multimedia~~''']<br>	+	[http://www.ftc.gov/opa/2009/02/fdcpa.shtm '''FTC Report Urges Reform and Modernization of Federal Debt Collection Law; Agency Also Issues Annual FDCPA Report to Congress''']<br>

-	[http://www.ftc.gov/~~opa~~/~~2009~~/07/~~oxford~~.shtm '''~~www.ftc.gov/opa/2009/07/oxford~~''']<br>	+	[http://www.ftc.gov/multimedia/video/credit/debt/debt-collection_eileen.shtm '''Dealing with Debt - Know Your Rights''']<br>

-	[http://www.ftc.gov/~~bcp~~/~~menus~~/~~consumer~~/~~credit/debt~~.shtm '''~~www.ftc.gov/bcp/menus~~''']<br>	+	[http://www.ftc.gov/opa/2009/07/oxford.shtm '''Debt Collectors Settle with FTC; Abusive Practices Affected Consumers Nationwide''']<br>

-	[http://www.ftc.gov/~~opa~~/~~1996~~/02/~~allied~~.shtm '''~~www.ftc.gov/opa/1996~~''']<br>	+	[http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm '''In Debt? Facts for Consumers''']<br>

		+	[http://www.ftc.gov/opa/1996/02/allied.shtm '''Debt Collection Agency Agrees to Pay $140,000 Civil Penalty to Settle Charges it Violated in Debt Collection Practices Act''']<br>


-	~~Golden Gate BBB~~

		+	'''Golden Gate BBB:'''<br>

-	[http://goldengate.bbb.org/article/phony-debt-collectors-target-pay-day-loan-borrowers-13286 '''~~goldengate.bbb.org~~''']<br>	+	[http://goldengate.bbb.org/article/phony-debt-collectors-target-pay-day-loan-borrowers-13286 '''Phony Debt Collectors Target Pay Day Loan Borrowers ''']<br>

-	[http://goldengate.bbb.org/article/widespread-harassment-from-phony-debt-collectors-raises-concerns-of-mass-data-breach-warns-bbb-11825 '''~~goldengate.bbb.org/article/widespread~~''']<br>	+	[http://goldengate.bbb.org/article/widespread-harassment-from-phony-debt-collectors-raises-concerns-of-mass-data-breach-warns-bbb-11825 '''Widespread Harassment from Phony Debt Collectors Raises Concerns of Mass Data Breach, Warns BBB''']<br>

-	[http://goldengate.bbb.org/article/ftc---before-you-file-for-personal-bankruptcy-information-about-credit-counseling-and-debtor-education-4723 '''~~goldengate.bbb.org/article/ftc~~''']<br>	+	[http://goldengate.bbb.org/article/ftc---before-you-file-for-personal-bankruptcy-information-about-credit-counseling-and-debtor-education-4723 '''Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education''']<br>

-	[http://goldengate.bbb.org/article/ftc---for-people-on-debt-management-plans-a-must-do-list-4655 '''~~goldengate.bbb.org/article/ftc---for-people-~~on-~~debt-management-plans~~''']<br>	+	[http://goldengate.bbb.org/article/ftc---for-people-on-debt-management-plans-a-must-do-list-4655 '''For People on Debt Management Plans: A Must-Do List''']<br>

-	[http://goldengate.bbb.org/article/ftc---knee-deep-in-debt-4671 '''~~goldengate.bbb.org/article/ftc---knee-~~deep-in-debt''']<br>	+	[http://goldengate.bbb.org/article/ftc---knee-deep-in-debt-4671 '''Knee deep in debt''']<br>

-	[http://goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-a-credit-counselor-4728 '''~~goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-~~a~~-credit-counselor~~''']<br>	+	[http://goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-a-credit-counselor-4728 '''Fiscal Fitness: Choosing a Credit Counselor''']<br>

-	[http://goldengate.bbb.org/article/new-laws-go-into-effect-to-fight-deceptive-debt-relief-22930 '''~~goldengate.bbb.org/article/new-laws-go-into-effect-~~to~~-fight-deceptive-debt-relief~~''']<br>	+	[http://goldengate.bbb.org/article/new-laws-go-into-effect-to-fight-deceptive-debt-relief-22930 '''New Laws Go Into Effect to Fight Deceptive Debt Relief''']<br>



-	Public Good Law Center	+	'''Public Good Law Center:'''<br>

	[http://publicgoodlaw.org/downloads/Avery-brief-cleaned-up.pdf '''publicgoodlaw.org''']<br>		[http://publicgoodlaw.org/downloads/Avery-brief-cleaned-up.pdf '''publicgoodlaw.org''']<br>


-	DCA LA County	+
		+	'''DCA LA County:'''<br>

	[http://dca.lacounty.gov/tscollectionagencies.htm '''dca.lacounty.gov''']<br>		[http://dca.lacounty.gov/tscollectionagencies.htm '''dca.lacounty.gov''']<br>
Line 93:		Line 94:


-	Attorney General’s Office	+	'''Attorney General’s Office:'''<br>

	[http://ag.ca.gov/consumers/general/collection_agencies10.php '''ag.ca.gov/consumers''']<br>		[http://ag.ca.gov/consumers/general/collection_agencies10.php '''ag.ca.gov/consumers''']<br>
Line 99:		Line 100:
	[http://ag.ca.gov/newsalerts/print_release.php?id=1788 '''ag.ca.gov/newsalerts''']<br>		[http://ag.ca.gov/newsalerts/print_release.php?id=1788 '''ag.ca.gov/newsalerts''']<br>

-	~~BBB Southland~~

-	~~[http://www.la.bbb.org/GIReport.aspx?NewsID=288 '''www.la.bbb.org''']<br>~~

		+	'''Beter Business Bureau Southland:'''<br>

-	~~California and Nevada Credit Union League~~	+	[http://www.la.bbb.org/GIReport.aspx?NewsID=288 '''www.la.bbb.org''']<br>

-	~~[http://education.ccul.org/etrain_detail.cfm?ID=3632 '''education.ccul.org''']<br>~~


		+	'''California and Nevada Credit Union League:'''<br>
		+
		+	[http://education.ccul.org/etrain_detail.cfm?ID=3632 '''education.ccul.org''']<br>



-	Consumer Action	+	'''Consumer Action:'''<br>

	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''www.consumer-action.org/downloads/english/CA_News_winter''']<br>		[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''www.consumer-action.org/downloads/english/CA_News_winter''']<br>

Cicjscribner at 19:18, 3 January 2011

2011-01-03T19:18:22Z

← Older revision		Revision as of 19:18, 3 January 2011
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	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>		[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>

-	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies'''<br>	+	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies''']<br>

-	[http://www.consumer-action.org/alerts/articles/debt_settlement/ '''www.consumer-action.org/alerts/articles'''<br>	+	[http://www.consumer-action.org/alerts/articles/debt_settlement/ '''www.consumer-action.org/alerts/articles''']<br>

	[http://www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap/ '''www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap''']<br>		[http://www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap/ '''www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap''']<br>

Cicjscribner at 19:17, 3 January 2011

2011-01-03T19:17:30Z

← Older revision		Revision as of 19:17, 3 January 2011
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	[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''www.consumer-action.org/helpdesk/articles/debt_collectors''']<br>		[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''www.consumer-action.org/helpdesk/articles/debt_collectors''']<br>

-	[http://www.consumer-action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency/ '''www.consumer-action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency''']<br>	+	[http://www.consumer action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency/ '''www.consumer action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency''']<br>

-	[http://www.consumer-action.org/index.php/alerts/articles/arbitration_doesnt_shield_debt_collectors_from_liability '''www.consumer-action.org/index.php/alerts/articles/arbitration''']<br>	+	[http://www.consumer action.org/index.php/alerts/articles/arbitration_doesnt_shield_debt_collectors_from_liability '''www.consumer-action.org/index.php/alerts/articles/arbitration''']<br>

	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>		[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>

Cicjscribner at 19:16, 3 January 2011

2011-01-03T19:16:32Z

← Older revision		Revision as of 19:16, 3 January 2011
Line 13:		Line 13:


-	All debt collection regulations in California were sunset (shut down) in 1992. There is currently no state agency that accepts consumer complaints and mediates/investigates individual complaints.	+	<p>All debt collection regulations in California were sunset (shut down) in 1992. There is currently no state agency that accepts consumer complaints and mediates/investigates individual complaints.</p><br>

-	The best recourse today is for consumers to file a complaint with the Federal Trade Commission (FTC) and the Attorney General’s office. They don’t act on individual consumer complaints but do look at trends and file large cases. Consumers should also contact their local Beter Business Bureau or District Attorney’s office, as some of them have mediation programs.	+	<p>The best recourse today is for consumers to file a complaint with the Federal Trade Commission (FTC) and the Attorney General’s office. They don’t act on individual consumer complaints but do look at trends and file large cases. Consumers should also contact their local Beter Business Bureau or District Attorney’s office, as some of them have mediation programs.</p><br>


Line 33:		Line 33:


		+	'''Here are some helpful websites with more information:'''<br>
		+
		+	Federal Trade Commission sites:
		+
		+	[http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm '''www.ftc.gov/bcp''']<br>
		+
		+	[http://www.ftc.gov/os/statutes/fdcpajump.shtm '''www.ftc.gov/os''']<br>
		+
		+	[http://www.ftc.gov/multimedia/video/credit/debt/debt-collection.shtm '''www.ftc.gov/multimedia''']<br>
		+
		+	[http://www.ftc.gov/opa/2010/07/debtcollect.shtm '''www.ftc.gov/opa''']<br>
		+
		+	[http://www.ftc.gov/opa/2010/01/academy.shtm '''www.ftc.gov/opa/2010/01/academy''']<br>
		+
		+	[http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre44.shtm '''www.ftc.gov/bcp''']<br>
		+
		+	[http://business.ftc.gov/blog/2010/11/second-largest-debt-collection-civil-penalty-ftc-history-%E2%80%93-and-new-compliance-resource- '''business.ftc.gov''']<br>
		+
		+	[http://www.ftc.gov/opa/2009/02/fdcpa.shtm '''www.ftc.gov/opa/2009''']<br>
		+
		+	[http://www.ftc.gov/multimedia/video/credit/debt/debt-collection_eileen.shtm '''www.ftc.gov/multimedia''']<br>
		+
		+	[http://www.ftc.gov/opa/2009/07/oxford.shtm '''www.ftc.gov/opa/2009/07/oxford''']<br>
		+
		+	[http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm '''www.ftc.gov/bcp/menus''']<br>
		+
		+	[http://www.ftc.gov/opa/1996/02/allied.shtm '''www.ftc.gov/opa/1996''']<br>
		+
		+
		+
		+	Golden Gate BBB
		+
		+
		+	[http://goldengate.bbb.org/article/phony-debt-collectors-target-pay-day-loan-borrowers-13286 '''goldengate.bbb.org''']<br>
		+
		+	[http://goldengate.bbb.org/article/widespread-harassment-from-phony-debt-collectors-raises-concerns-of-mass-data-breach-warns-bbb-11825 '''goldengate.bbb.org/article/widespread''']<br>
		+
		+	[http://goldengate.bbb.org/article/ftc---before-you-file-for-personal-bankruptcy-information-about-credit-counseling-and-debtor-education-4723 '''goldengate.bbb.org/article/ftc''']<br>
		+
		+	[http://goldengate.bbb.org/article/ftc---for-people-on-debt-management-plans-a-must-do-list-4655 '''goldengate.bbb.org/article/ftc---for-people-on-debt-management-plans''']<br>
		+
		+	[http://goldengate.bbb.org/article/ftc---knee-deep-in-debt-4671 '''goldengate.bbb.org/article/ftc---knee-deep-in-debt''']<br>
		+
		+	[http://goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-a-credit-counselor-4728 '''goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-a-credit-counselor''']<br>
		+
		+	[http://goldengate.bbb.org/article/new-laws-go-into-effect-to-fight-deceptive-debt-relief-22930 '''goldengate.bbb.org/article/new-laws-go-into-effect-to-fight-deceptive-debt-relief''']<br>
		+
		+
		+
		+	Public Good Law Center
		+
		+	[http://publicgoodlaw.org/downloads/Avery-brief-cleaned-up.pdf '''publicgoodlaw.org''']<br>
		+
		+
		+	DCA LA County
		+
		+	[http://dca.lacounty.gov/tscollectionagencies.htm '''dca.lacounty.gov''']<br>
		+
		+
		+
		+	Attorney General’s Office
		+
		+	[http://ag.ca.gov/consumers/general/collection_agencies10.php '''ag.ca.gov/consumers''']<br>
		+
		+	[http://ag.ca.gov/newsalerts/print_release.php?id=1788 '''ag.ca.gov/newsalerts''']<br>
		+
		+	BBB Southland
		+
		+	[http://www.la.bbb.org/GIReport.aspx?NewsID=288 '''www.la.bbb.org''']<br>
		+
		+
		+	California and Nevada Credit Union League
		+
		+	[http://education.ccul.org/etrain_detail.cfm?ID=3632 '''education.ccul.org''']<br>
		+
		+
		+
		+
		+
		+	Consumer Action
		+
		+	[http://www.consumer-action.org/downloads/english/CA_News_winter_07-08.pdf '''www.consumer-action.org/downloads/english/CA_News_winter''']<br>
		+
		+	[http://www.consumer-action.org/helpdesk/articles/debt_collectors/ '''www.consumer-action.org/helpdesk/articles/debt_collectors''']<br>
		+
		+	[http://www.consumer-action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency/ '''www.consumer-action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency''']<br>
		+
		+	[http://www.consumer-action.org/index.php/alerts/articles/arbitration_doesnt_shield_debt_collectors_from_liability '''www.consumer-action.org/index.php/alerts/articles/arbitration''']<br>
		+
		+	[http://www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people/ '''www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people''']<br>
		+
		+	[http://www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies/ '''www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies'''<br>
		+
		+	[http://www.consumer-action.org/alerts/articles/debt_settlement/ '''www.consumer-action.org/alerts/articles'''<br>
		+
		+	[http://www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap/ '''www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap''']<br>
		+
		+	[http://www.consumer-action.org/english/articles/the_fair_debt_law_eng '''www.consumer-action.org/english/articles/the_fair_debt_law_eng''']<br>
		+
		+	[http://www.consumer-action.org/english/articles/collection_agency_eng/ '''www.consumer-action.org/english/articles''']<br>
		+
		+	[http://www.consumer-action.org/news/articles/collecting_debts_from_the_dead/ '''www.consumer-action.org/news/articles/collecting''']<br>
		+
		+	[http://www.consumer-action.org/helpdesk/articles/mini_miranda_disclosure/ '''www.consumer-action.org/helpdesk''']<br>
		+
		+	[http://www.consumer-action.org/news/articles/2008_2009_winter_issue/ '''www.consumer-action.org/news''']<br>