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Category: Debt Collection Practices

Debt Collection Harassment – 8 Facts You Should Know

Written by Cooper and Friedman on October 15, 2019
debt collection harassment

A lot of people have never dealt with debt collectors so they’re reluctant or even fearful to take a debt collector’s call or receive letters about credit card debts that they may owe. Experts say that the consumers need to face the facts and deal with any debt collector that comes their way. However, as […]

How to Fix Your Credit with the Help of an Experienced Credit & Debt Collection Lawyer

Written by Cooper and Friedman on April 23, 2019

A credit score is one of our most important assets. It can determine if we are able to buy a home or car, rent an apartment, or even get a business loan. When applying for a line of credit, a loan officer purchases an applicant’s credit report from a nationwide credit reporting company. This report […]

Unfair Credit Reporting – Understanding Your Rights

Written by Cooper & Friedman PLLC on December 27, 2018
unfair credit reporting

How is My Credit Determined? Generally a person’s credit score is updated and generated once a month. The number given is reflective of an algorithm primarily based on one’s previous payment history. It also considers whether they made payments on time and in full. How long one has had a credit history and how many […]

Debt Collector Harassment – Know Your Rights

Written by Cooper and Friedman on April 18, 2018

Collections and Credit: What You Should Know When you owe money to a business or person, they may report your debt to a debt collection agency that will act as a third party between the debtor and the creditor. Depending on your situation, that third party agency may report your collection to nationwide credit reporting […]

Your Credit Score – What it Means and Why it’s Important

Written by Cooper & Friedman on August 10, 2015

We’ve all heard about how important it is to have a good credit score, but do we really know why? Credit scores are ratings used to determine if you are able to qualify for some credit cards, loans or different financial services. There is a special algorithm used to determine this score. Your credit score […]

What is Fair Debt Collection and Why Are Fair Debt Collection Practices Important?

Written by Cooper & Friedman on June 17, 2015

Fair Debt Collection is enforced by the Federal Trade Commission (FTC), which is a part of the nation’s consumer protection agency. Providing protections for consumers is their main goal and it is put into action with the Fair Debt Collection Practices Act (FDCPA). This federal act prohibits debt collectors from using abusive, unfair, or deceptive […]

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