By Cathy Moran, Esq. (Redwood City, CA) After bankruptcy, credit scores go steadily up, says a 17 year study released by the Consumer Financial Protection Bureau. Got that? Go UP. Every year. Importantly, credit scores start improving the same year that the bankruptcy is filed. Think on that for a moment. How collectors stoke fears about bankruptcy Creditors and their...
Watch Your Language
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By Holly Davala, Staff Attorney for Chapter 13 Trustee Craig Shopneck
Case Summary:
McLaughlin v. Phelan Hallinan & Schmieg, LLP, 2014 WL 2883891 (3rd Cir. June 26, 2014). A mortgage company, in error, believed that Timothy McLaughlin was in default and referred the matter to the law firm Phelan Hallinan & Schmieg, LLP (“PHS”). PHS sent a letter to McLaughlin. The letter included language that PHS was a debt collector attempting to collect a debt and information PHS obtained could be used for that purpose. The letter included an invoice-like presentation of the amount due . . .
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