Credit Repair - Self Help

This is great news. One weapon that us as consumers have in our arsenal is the Attorney General of our state. When you have a clear cut case of a collection agency or creditor breaking the consumer protection laws, this is the place to file your complaint. Here are some excerpts from an article on the Texas AG website.

“Texas Attorney General Greg Abbott today charged a Dallas-based debt collection firm with using deceptive practices to collect payments from Texas consumers. The attorney general’s enforcement action asked the court to permanently enjoin Anderson, Crenshaw & Associates, L.L.C. from harassing Texas debtors with deceptive letters and unlawful telephone calls.”

“According to court documents, the defendant mailed deceptive letters to debtors that unlawfully engaged in debt collection efforts during the same 30-day period debtors were given to validate their debts. Federal courts have maintained that debt collection firms may not undermine debtors’ right to dispute the debt during this time period. The company’s letters also misrepresent that the firm has filed lawsuits against debtors who fail to make timely payments. In many cases, the debts did not meet the defendant’s internal criteria to initiate legal action”

“The state’s enforcement action also accuses Anderson, Crenshaw & Associates of threatening to garnish consumers’ wages or file liens against homesteads in violation of the Texas Debt Collection Act. According to several complaints, the defendant’s representatives harassed, abused and threatened debtors during profanity-laden, repeated or continuous telephone calls.”

To read the complete article click on this link