Understanding Debt Collection. Learn about debt collection laws, how to handle debt collectors, and explore options for resolving debt.
Key Takeaways (Read This First) AdaptHealth has agreed to pay $14,311,500 to settle a proposed class action accusing the home medical equipment company of billing North Carolina consumers for equipment they allegedly never received, rejected or returned, and of sending collection letters that allegedly suggested possible legal action over disputed debts. AdaptHealth denies the allegations…
If your federal student loans are in default, the Education Department can order your employer to withhold up to 15% of your disposable pay. It does not need to sue you first. That power is written into federal law today. What nobody can say for certain is when the government will start using it at…
If you’ve been getting robocalls from First National Bank of Omaha about an old debt — even after telling them to stop — you’re not imagining it. Aaron Maxwell says the same thing happened to him, and he’s now suing FNBO in federal court, case No. 2:25-cv-00652, claiming the bank’s autodialer violated the Telephone Consumer…
How many times can a credit card company call you in one day? There is no exact daily call limit under federal law, but the CFPB’s Regulation F presumes a violation when a debt collector calls more than seven times within any seven-day period, or calls within seven days of having a phone conversation about…
What is Unifin debt collector? Unifin Inc. is a legitimate U.S.-based debt collection agency headquartered in Skokie, Illinois, founded in 2011. It contacts consumers by text, phone, and letter to collect unpaid debts on behalf of creditors or debt buyers. However, scammers also impersonate Unifin — and the company itself has faced multiple federal lawsuits…
Can federal student loans be discharged in Chapter 7 bankruptcy? Federal student loans are not automatically discharged in Chapter 7 bankruptcy. To eliminate them, you must file a separate lawsuit called an adversary proceeding and prove “undue hardship” under a strict legal test. Updated 2022 DOJ guidance has made this slightly more achievable — but…
Does the FDCPA protect you from student loan collectors? It depends on who is contacting you. The FDCPA does not cover the Department of Education collecting its own loans. It does cover private agencies hired by DOE to collect on its behalf. Whether your servicer qualifies as a “debt collector” under the law turns on…
No — selling a federal student loan to a third-party collector does not remove its federal guarantee. The government’s backing travels with the loan no matter who holds it or collects it. That means the collector pursuing you still carries the legal weight of the U.S. Department of Education behind it, and the government’s most…
1. Who is CCS and Why Are They Calling You? If you have seen “CCS” pop up on your caller ID or received a letter from Credit Collection Services, you are likely dealing with one of the largest debt collection agencies in the United States. Headquartered in Newton, Massachusetts, CCS (often operating as CCS Companies)…