Tag Archives: debtor

Call Me If..Your Vehicle Has Been Wrongfully Repossessed


Note I said “wrongfully” repossessed.  If you are delinquent on payments or allow your insurance to lapse or otherwise violate your finance agreement or other contractual obligation I may be unable to assist you.  The repossession would likely not be wrongful but you may be able to work out a deal to recover your vehicle. …

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Debt Collection A to Z: Z is for Zero


Finishing up our alphabet series on debt collection we take a look at the letter Z.  In our review Z will stand for “zero.”  This refers to the amount of ground you should give up if you are being subjected to harassing or illegal activities by debt collectors.  These activities include the following: Frequent phone calls …

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Riding on Borrowed Time


While I am not sure many of you reading this are in the main audience for this blog post, I will post it anyway without making any assumptions.  If anything perhaps you can share this post with people you know who may benefit from the read and information.  Here goes..

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Pings to the Armor: Changes to NC Debt Collection Act


Recently the North Carolina General Assembly passed and Governor McCrory signed into law a few changes to the North Carolina Debt Collection Act.  These changes appear to be designed to make it a bit easier for creditors and debt collectors to

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Flashback: Debt Collection for Non-Consumer Lawyers


For those of you who watch television you know that the summertime is replete with reruns or flashback episodes until the new season returns in the fall.  My website is not a tv show and hopefully has more meaningful content than can be found on many tv shows.  However, in the vein of reruns and …

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Debt Collection A to Z: Y is for Yellow–The Color of Rogue Debt Collectors


Yes, I said it.  Yellow, the color of cowards and chickens………that color fits.  Now, let’s not be mistaken.  I am not putting all debt collectors in this color category.  Just the bad ones.  The collectors and creditors that you hear about on the news.  The ones who do things such as the following:

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Debt Collection A to Z: W is for Why?


After practicing law for almost 20 years and being a consumer lawyer for the last 10 it never fails to amaze me the lengths people and businesses will go to in an attempt to take advantage of others.  Threats, deception, ridicule, violence, etc. Sometimes I just have to ask “why”.  Don’t you? Why do debt collectors …

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Dealer Fraud But Making Payments? Hold Up! The Holder Clause To the Rescue!


Consumers who purchase vehicles and agree to make payments sometimes find the dealer selling the vehicle defrauded them.  Whether it is a failure to deliver title or misrepresenting the condition of the vehicle or failing to disclose prior collision damage or some other fraud, the dealer’s mistake can be attributed to the lender which MAY mean …

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Debt Collection A to Z: S is for Security Agreement


Myth:  Anytime one purchases or leases a vehicle there is an automatic right of repossession for the seller or lessor. Fact:  Anytime a seller or lessor wishes to have the right of repossession there must be a written agreement signed by the purchaser or lessee. A security agreement is what is used to create the …

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Debt Collection A to Z: R is for Repossession


I know this one is listed under “Car Law A to Z” but it applies also to the world of debt collection.  Read this “Repo Review” and be sure to share with your family, friends, and contacts.

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