ATTORNEY ARTICLES - ARCHIVE

Are Debt Collectors Contacting You At Your Place Of Employment After You Have Requested Them To Stop?

Debt collectors will routinely contact consumers at their place of employment in an effort to collect a debt. Debt collectors engage in this manner because they are aware that most consumers cannot take personal calls at work. Because debt collectors […]

What Is A Voluntary Repossession?

I CAN MAKE THE CAR PAYMENTS OR I CAN MAKE THE REPAIR PAYMENTS, I CAN’T AFFORD BOTH! VOLUNTARY REPOSSESSION Often times the defects, which occur shortly after the purchase, can be very expensive to repair. If the dealership refuses to […]

Why Do We Have Bankruptcy Laws?

  Bankruptcy laws were meant to allow us the freedom to take risk, and yes, fail. Among new businesses, about 50% fail within the first five years, and about 70% fail within ten years. The key part, and where bankruptcy […]

When Debt Collectors Call Third Parties

  Having collectors come after you for a debt can be a traumatic experience. It’s embarrassing enough to receive calls from a debt collector and to have to tell them that you can’t pay for the debt. Imagine how mortifying […]

When Is Debt Collection Illegal?

If you’re behind on your bills, you’ll probably get calls from debt collectors. Their job is to get you to pay or make arrangements to pay. But any debt collector who harasses or threatens you is breaking the law. The […]

The Disclosing Debt Collector

If a debt collector is calling you, they must disclose that they are a debt collector attempting to collect a debt   Are debt collectors contacting you at home? On your cell phone? At your place of employment? The FDCPA, […]

Fair Credit Reporting Act Violations

Creditors, Collection Companies and the Credit Reporting Agencies (CRA) violate the Fair Debt Collection Practices Act in many ways.  A few common violations are furnishing and reporting inaccurate information, mixing up files, failing to follow debt dispute procedures or obtaining […]

Garnishments, Levies, and Liens! Oh My!

How to File a Claim of Exemption   Receiving a notice of Garnishments from your employer or a letter from the bank regarding a lien can be a frightening thing. Whether you knew this was coming or not, there is […]

Is Bankruptcy Right For You?

Medical expenses, job loss, and divorce are the leading causes of bankruptcy. If you are in financial turmoil dealing with wage garnishments or bank levies, bankruptcy may be the right option for you. Our knowledgeable attorneys can debunk common bankruptcy […]

Are Debt Collectors Contacting You At Work?

One of the primary (and highly illegal) tactics utilized by debt collectors when collecting upon debts is to contact consumers directly at their place of employment.  Debt collectors understand that consumers, in an effort to (1) not lose their job; […]

The Proliferation of “Robo-call” Waivers

TCPA Robo-Call Ever receive what is commonly termed a “robo-call” to your cellular telephone?  Likely you have.  More and more consumers are receiving unsolicited pre-recorded telephone calls placed to their cellular telephones.  These obnoxious calls have increased over the past […]

The Federal Fair Credit Reporting Act

The Federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.  Credit reporting agencies are federally mandated to report only accurate information regarding a consumer.  Additionally, consumer reporting agencies […]

Arizona: Community Property and Debt Collection

In Maricopa County Justice Courts, over 5000 cases per month are being filed in an attempt to collect consumer debts. However, these judgments may be unenforceable on a married couple’s community property if the debt collectors do not include both […]

National Collegiate Student Loan Trust

National Collegiate Student Loan Trust(s) Hit with Multiple Class Action Lawsuit for Unfair Practices Hyde & Swigart has filed multiple class action lawsuits against National Collegiate Student Loan Trust, and the Law Offices of Patenaude & Felix APC, alleging that [...]

Wells Fargo Bank Text Settlement Class Gains Granted Preliminary Approval

The federal district court for the Southern District of California issued a ruling regarding the TCPA on April 9th granting Plaintiff’s motion for preliminary approval of a class action settlement against Wells Fargo Bank, N.A.  Plaintiffs represented by Hyde & […]

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DISCLAIMER

Hyde & Swigart has helped thousands of consumers in Minnesota, California, Arizona, Colorado and Texas with their legal issues, and we have never seen two cases that were identical. We also have attorneys who have helped consumers in Florida, Michigan, Nevada, New York, Oregon, Wisconsin, Washington, and Washington, D.C. You should never assume your situation is the same as something that is described on this web site, or that you read elsewhere on the Internet. Each situation is unique, and in our opinion, each situation needs to be thoroughly and independently reviewed by a competent consumer rights attorney. While we are happy to do that for you for free, we cannot do that solely on this web site. Even our evaluation forms are mere starting points. You should never assume your case, your situation, or your set of facts, are covered in their entirety by this web site. If you have questions about your potential case, we will be glad to discuss them with you at no charge. However, do not act, or fail to act, simply because of something you read or see on this web site. Click here to read more.