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  • Simple Guide to Blocking Debt Collectors From Exempt Bank Funds
    Simple Guide to Blocking Debt Collectors From Exempt Bank Funds

    Key Takeaways for Protecting Your Money from Creditors Certain Funds are Off-Limits to Creditors: There are specific types of income that creditors cannot touch, no matter what. These include: Social ...

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  • 50 Reasons to Sue your Debt Collector under Federal Law
    50 Reasons to Sue your Debt Collector under Federal Law

    The below is a list of 50 clear violations of the Fair Debt Collection Practices Act. [1] Most of these are in the collection-litigation landscape. This list was first inspired by only one ...

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  • Debt Defense: Tips & Hacks 1 (Insightful Defense Strategies)
    Debt Defense: Tips & Hacks 1 (Insightful Defense Strategies)

    Our "Debt Defense: Tips & Hacks" series was inspired by our Facebook page that we're delighted to see obtain increased viewership. Our goal is to provide quick, useable, and current nuggets of ...

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  • Midland Funding Seeks U.S. Supreme Court Ruling Over Usury Issue
    Midland Funding Seeks U.S. Supreme Court Ruling Over Usury Issue

    You may remember in Madden v. Midland Funding, LLC, the United States Court of Appeals ruled that Midland Funding, LLC a non-bank debt buyer, was unable to charge the same usurious rates of interest ...

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  • CFPB Stiffly Penalizes Midland Funding and Portfolio Recovery Associates for Collection Defects
    CFPB Stiffly Penalizes Midland Funding and Portfolio Recovery Associates for Collection Defects

    The Consumer Financial Protection Bureau ("CFPB"), the federal government's consumer-protection muscle levied stiff penalties against Encore Capital Group (the parent to Midland Funding, LLC and ...

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  • Midland Funding, LLC Not Permitted to Violate Usury Laws Under National Bank Act
    Midland Funding, LLC Not Permitted to Violate Usury Laws Under National Bank Act

    Usury is defined as an illegally high rate of interest. In New York, the civil usury rate is 16% [1] and the criminal usury rate is 25% [2]. Banks get around state usury laws through the National Bank ...

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