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Category: Debt Collection Practices

What Are My Rights Under the Fair Credit Reporting Act in Kentucky?

Written by Cooper & Friedman PLLC on November 7, 2022
What is the FCRA and how does it affect me? Cooper and Friedman Unfair Credit Reporting lawyers

  When the word ‘credit’ is mentioned, do your ears perk up or do you find yourself running for the hills? There are so many perceptions and experiences all across the board when it comes to credit and the like that it wouldn’t be surprising if you said yes to either option, or if you […]

7 Legal Terms You Should Know About Your Debt

Written by Cooper & Friedman PLLC on October 8, 2021
Debt Collection Harassment Attorney in Louisville, Kentucky

Most people at some point in life have some type of debt. This may include unpaid charges on a credit card, rent, student loan aid, a mortgage on a house, owed taxes, or alimony and child support payments, for example. If you miss scheduled payments on your unpaid debt, it is possible your creditors may […]

The Fair Debt Collection Practices Act: Your Rights

Written by Cooper & Friedman PLLC on April 17, 2020
debt collection

The average American has around $38,000 of personal debt, and most struggle to pay it back. A large percentage of credit card users are unable to pay their dues back on time, and sometimes they default entirely. This is when debt collection comes into play.  Agencies that hold the debt are well within their rights […]

Debt Collection Harassment – 8 Facts You Should Know

Written by Cooper & Friedman PLLC 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 & Friedman PLLC 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 & Friedman PLLC 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 PLLC 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 PLLC 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 […]