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Off the top, I believe NYC has similar laws where business are not allowed to charge extra for the use of credit cards however it seems online payments to the city (taxes, water bill, traffic ticket, etc) using a credit card are still assessed a processing fee. It seems NYC itself is confused about this. | {
"entities": {
"fact": [
{
"text": "Off the top, I believe NYC has similar laws where business are not allowed to charge extra for the use of credit cards",
"start": 0,
"end": 118
},
{
"text": "however it seems online payments to the city (taxes, water bill, traf... | [] |
Collectors should be barred from stating that payment of a debt will definitively improve a consumers credit score as FICO (the industry standard) uses proprietary algorithm that the collection agent cannot possibly guess at. Yes, a collection agent, in good faith negotiation for resolution of the alleged debt should b... | {
"entities": {
"policy": [
{
"text": "Collectors should be barred from stating that payment of a debt will definitively improve a consumers credit score",
"start": 0,
"end": 114
},
{
"text": "Yes, a collection agent, in good faith negotiation for resolution of th... | [] |
As there can be a substantial monetary impact from incorrect entries on a credit report in the form of higher interest rates or being unable to secure a loan, bonafide disputes should NOT be allowed on a credit report. | {
"entities": {
"value": [
{
"text": "As there can be a substantial monetary impact from incorrect entries on a credit report in the form of higher interest rates or being unable to secure a loan,",
"start": 0,
"end": 158
}
],
"policy": [
{
"text": "bonafi... | [] |
Collection agencies should abide by the rules and regulations surrounding HIPPA (medical), Customer Proprietary Network Information (FCC) and other statutes already in place. While the CRPB cannot change those statutes, agencies must still abide by it. | {
"entities": {
"policy": [
{
"text": "Collection agencies should abide by the rules and regulations surrounding HIPPA (medical), Customer Proprietary Network Information (FCC) and other statutes already in place.",
"start": 0,
"end": 174
}
],
"fact": [
{
... | [] |
Collection Calls and Dunning notices (via letter or email) should include a unique Collection ID. This would be listed in credit reports for the purposes of tracking and consumers would be able to enter into a online database provided by the CRPB with the type of violation or issue. This would also make it easier for t... | {
"entities": {
"policy": [
{
"text": "Collection Calls and Dunning notices (via letter or email) should include a unique Collection ID.",
"start": 0,
"end": 97
},
{
"text": "This would be listed in credit reports for the purposes of tracking",
"start": 98... | [] |
There needs to be rules around how disputes are handled for people with the same or similar names. There needs to be a process for disputing incorrect information on a credit report as well as for handling mistaken identity with the courts. | {
"entities": {
"policy": [
{
"text": "There needs to be rules around how disputes are handled for people with the same or similar names.",
"start": 0,
"end": 98
},
{
"text": "There needs to be a process for disputing incorrect information on a credit report as we... | [] |
I believe reasonable will depend on the circumstance of the dispute and the type of debt. A formal checklist should be created for various scenarios and the analyst reviewing the dispute should be able to enter comments against the checklist which would be part of the eoscar transcript. | {
"entities": {
"value": [
{
"text": "I believe reasonable will depend on the circumstance of the dispute and the type of debt.",
"start": 0,
"end": 89
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],
"policy": [
{
"text": "A formal checklist should be created for various scenarios",
"start"... | [] |
I believe all of the possibilities listed are necessary. I never did business with Joe' s Collection Agency and would never recognize any debt they allege is owed. Interest and other fees would make the amounts unrecognizable either even in the event I could miraculously determine that $757. 24 is an old utility bill. | {
"entities": {
"value": [
{
"text": "I believe all of the possibilities listed are necessary.",
"start": 0,
"end": 56
},
{
"text": "Interest and other fees would make the amounts unrecognizable either even in the event I could miraculously determine that $757. 24... | [] |
I am currently going through a miserable experience with a creditor and debt collector. In 2004 I completed my college education and consolidated all of my student loans through Nelnet. In 2005 (or so) I started to get calls from debt collectors stating that I was delinquent on my loan repayment. I explained the situat... | {
"entities": {
"value": [
{
"text": "I am currently going through a miserable experience with a creditor and debt collector.",
"start": 0,
"end": 87
},
{
"text": "In 2011 I wanted to buy my (wife \" s) dream home.",
"start": 576,
"end": 625
... | [] |
It apprears that the debt collectors of the debt collection industry are conducting a money laundry and racketing operation by explointing and obtaining monetary from comsumers for products that they don' t sell to them or services that they don' t provide to consumers with no inital purchase contract with consumers. I... | {
"entities": {
"value": [
{
"text": "It apprears that the debt collectors of the debt collection industry are conducting a money laundry and racketing operation by explointing and obtaining monetary from comsumers for products that they don' t sell to them or services that they don' t provide to co... | [] |
A question that I' d ask surrounds dialects. There are numerous dialects for Spanish, French, etc. and it would be very expensive for agencies to translate every letter into every dialect of a certain language, Spanish being the most common for this type of occurrence. I' d greatly appreciate feedback, commentary and a... | {
"entities": {
"value": [
{
"text": "A question that I' d ask surrounds dialects.",
"start": 0,
"end": 44
},
{
"text": "and it would be very expensive for agencies to translate every letter into every dialect of a certain language, Spanish being the most common f... | [] |
If a bank is going to sell a consumer' s debt, the bank should be required to notify that consumer IN ADVANCE, and allow that consumer a fair chance to bid on and purchase his/her own debt, on terms just as favorable as the terms offered to any other debt buyer (which at present is usually pennies on the dollar). Debt ... | {
"entities": {
"policy": [
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"text": "If a bank is going to sell a consumer' s debt, the bank should be required to notify that consumer IN ADVANCE, and allow that consumer a fair chance to bid on and purchase his/her own debt, on terms just as favorable as the terms offered to any other debt buyer... | [] |
I would take a hard look at' credit reporting' from what is being reported by a creditor and then what is reported by a debt collection or debt buying company. For example, if a creditor obtains a judgment amount greater than the account balance, that amount is likely not reported because creditors seldom have system c... | {
"entities": {
"value": [
{
"text": "I would take a hard look at' credit reporting' from what is being reported by a creditor and then what is reported by a debt collection or debt buying company.",
"start": 0,
"end": 159
},
{
"text": "For example, if a creditor ... | [] |
One theme we see throughout comments is that debt sold adds confusion as to whom is the creditor, and also triggers a new credit entry, making the debt appear as incremental (additional), when it is simply transferred, and fresh. The solution to this is simple; do not allow credit bureaus to ever list more than one ent... | {
"entities": {
"value": [
{
"text": "One theme we see throughout comments is that debt sold adds confusion as to whom is the creditor, and also triggers a new credit entry, making the debt appear as incremental (additional), when it is simply transferred, and fresh.",
"start": 0,
"e... | [] |
I was harassed for months by a collector who used robo-calls 5 and 6 times a day and blocked its caller ID, for what turned out to be five different debts, none of which were mine. Robo-calls were not answered; if I picked up, nobody was there, and no messages were ever left. The blocked caller ID was " 1 Unavailable, ... | {
"entities": {
"testimony": [
{
"text": "I was harassed for months by a collector who used robo-calls 5 and 6 times a day and blocked its caller ID, for what turned out to be five different debts, none of which were mine.",
"start": 0,
"end": 180
},
{
"text": "Ro... | [] |
I left a long comment about one particular collector, but recently was harassed by yet another one who was trying to collect from someone else who was not me. Their caller ID was not a phone number; it was just the names of different states, but turned out to be the same company. These people are bottom-feeders with no... | {
"entities": {
"testimony": [
{
"text": "I left a long comment about one particular collector, but recently was harassed by yet another one who was trying to collect from someone else who was not me.",
"start": 0,
"end": 158
},
{
"text": "Their caller ID was not ... | [] |
They will just continue to call. Not answering does not stop the constant calls. They need to be required to identify themselves accurately so the consumer has at least a fighting chance to speak with them. In my case I have no debts of my own but am constantly harassed for other people' s debts because I have a fairly... | {
"entities": {
"value": [
{
"text": "They will just continue to call.",
"start": 0,
"end": 32
}
],
"fact": [
{
"text": "Not answering does not stop the constant calls.",
"start": 33,
"end": 80
},
{
"text": "so the consu... | [] |
It doesn' t just " occasionally " happen. It happens all the time. Those of us with common names are sitting ducks for these scumbags. I am constantly harassed by collectors looking for someone else. Call blocking programs do not work out of area, so call-blocking is no protection whatever. | {
"entities": {
"value": [
{
"text": "It doesn' t just \" occasionally \" happen.",
"start": 0,
"end": 41
},
{
"text": "It happens all the time.",
"start": 42,
"end": 66
},
{
"text": "Those of us with common names are sitting du... | [] |
Right now collectors are legally required to stop phone contact when notified by the consumer. They do not stop. And the law is not enforced. Reporting violations to regulators does nothing except get the complainant into some sort of database, and the regulators are never heard from again. There are decent laws on the... | {
"entities": {
"fact": [
{
"text": "Right now collectors are legally required to stop phone contact when notified by the consumer.",
"start": 0,
"end": 94
},
{
"text": "They do not stop.",
"start": 95,
"end": 112
},
{
"text": "... | [] |
The problem is enforcement. When collectors are notified to stop calling the consumer' s workplace, they refuse to obey the law that requires them to stop. Reporting violations to the regulators is futile, because nothing is ever done by way of enforcement and the collectors know this. Put teeth into enforcement. | {
"entities": {
"value": [
{
"text": "The problem is enforcement.",
"start": 0,
"end": 27
},
{
"text": "Reporting violations to the regulators is futile,",
"start": 156,
"end": 205
}
],
"fact": [
{
"text": "When collecto... | [] |
Calls to the workplace should not be permitted at all. Harassing the consumer at his her/workplace can come to the attention of the employer and get the consumer fired or limit advancement. The collector then does not get paid because of the collector' s own egregious conduct. | {
"entities": {
"policy": [
{
"text": "Calls to the workplace should not be permitted at all.",
"start": 0,
"end": 54
}
],
"fact": [
{
"text": "Harassing the consumer at his her/workplace can come to the attention of the employer and get the consumer fired... | [] |
Collectors constantly abuse laws concerning phone contacts, and there is no enforcement for violators. Collectors should be limited by law to contacts by mail. These people are bottom-feeders who ignore the law. Cut them off from phone contacts altogether. They have proven again and again over decades that they are sco... | {
"entities": {
"value": [
{
"text": "Collectors constantly abuse laws concerning phone contacts,",
"start": 0,
"end": 59
},
{
"text": "and there is no enforcement for violators.",
"start": 60,
"end": 102
},
{
"text": "These peo... | [] |
Additionally, as loans are set up on varied systems and they fall in to collections for calls to be made a break-out of phone types should be part of the " Solutions ". Example Home designated area, work designated area and Mobile-cell as well. Three separate' Solutions " therefore giving a increased likelyhood of call... | {
"entities": {
"fact": [
{
"text": "Additionally, as loans are set up on varied systems and they fall in to collections for calls to be made",
"start": 0,
"end": 104
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],
"policy": [
{
"text": "a break-out of phone types should be part of the \" Solutions... | [] |
As Director I can clearly in good faith state that as we service our potential losses and my Team make collection calls contact is generally made at work place as well. Let me also state that many of the call backs are made from Members at work as well. It all depends on the employer and the work conditions surrounding... | {
"entities": {
"testimony": [
{
"text": "As Director I can clearly in good faith state that as we service our potential losses",
"start": 0,
"end": 85
},
{
"text": "and my Team make collection calls contact is generally made at work place as well.",
"star... | [] |
Let' s keep it as simple as possible. Based on 3rd party disclosure statue blocking the ID benifits the consumer. One never knows who is at the other end of the phone. | {
"entities": {
"policy": [
{
"text": "Let' s keep it as simple as possible.",
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}
],
"value": [
{
"text": "Based on 3rd party disclosure statue blocking the ID benifits the consumer.",
"start": 38,
"end": 113
},
... | [] |
Consumers normally are unaware that their debt has been sold to a collection agency. They, one day, get a call about the debt from someone unbeknownst to them. The collection agency wants the consumer to remit the payment to them, when actually, principal on the debt never decreases because the collection agency gets t... | {
"entities": {
"value": [
{
"text": "Consumers normally are unaware that their debt has been sold to a collection agency.",
"start": 0,
"end": 84
},
{
"text": "The collection agency wants the consumer to remit the payment to them,",
"start": 160,
... | [] |
Debt collectors call and cannot verify that the creditor has merged with another company. The debt may have written off the books of the acquired company. I propose that the CFPB implement a rule pertaining to debts written off by an acquired company and any additional stipulations on a timeframe to which an old debt c... | {
"entities": {
"fact": [
{
"text": "Debt collectors call and cannot verify that the creditor has merged with another company.",
"start": 0,
"end": 89
},
{
"text": "The debt may have written off the books of the acquired company.",
"start": 90,
"en... | [] |
My problem with those debt collection companies employees I have had to deal with is this... they either call themselves agent, investigators, or they are members of a special department investigating a debt alluding to Law Enforcement or DA' s office. Most recently, as last week, they have indicated, they are going to... | {
"entities": {
"value": [
{
"text": "My problem with those debt collection companies employees I have had to deal with is this...",
"start": 0,
"end": 92
}
],
"fact": [
{
"text": "they either call themselves agent, investigators,",
"start": 93,
... | [] |
One such collection company used the actual phone number of a District Civil Court office in a neighboring county in their phone message for my wife to collect on a debt many years old. This practice is deplorable and should have sever penalties towards any collection company/employee that uses this type of collection ... | {
"entities": {
"testimony": [
{
"text": "One such collection company used the actual phone number of a District Civil Court office in a neighboring county in their phone message for my wife to collect on a debt many years old.",
"start": 0,
"end": 185
}
],
"policy": [
... | [] |
I have experience collection companies who buys the debt from the 1st 2nd or 3rd party add on its fees along with the other companies fees, then submit a new account number to the original account as though it was a new account. So, a original account for the sake of argument was $500. 00 turns out to be listed on your... | {
"entities": {
"testimony": [
{
"text": "I have experience collection companies who buys the debt from the 1st 2nd or 3rd party add on its fees along with the other companies fees, then submit a new account number to the original account as though it was a new account.",
"start": 0,
... | [] |
In my opinion, collection companies, credit bureaus, and every one in between should be made to have some type of soft ware that could identify time-barred debt. Plus, regulation that will not allow creditors/buyers to reactivate an old debt. If a given state has its own statue of limitation regarding a legitimate time... | {
"entities": {
"policy": [
{
"text": "In my opinion, collection companies, credit bureaus, and every one in between should be made to have some type of soft ware that could identify time-barred debt. Plus, regulation that will not allow creditors/buyers to reactivate an old debt.",
"start":... | [] |
Yes... the CFPB should require debt collectors/debt owners to notify consumers in writing, that a payment plan or partial plan will revive the time-barred debt. However, the debt owner or debt collection company should not be allowed to have a second chance to sue you for the old debt. This in itself would be bubble je... | {
"entities": {
"policy": [
{
"text": "Yes... the CFPB should require debt collectors/debt owners to notify consumers in writing, that a payment plan or partial plan will revive the time-barred debt.",
"start": 0,
"end": 160
},
{
"text": "However, the debt owner o... | [] |
Here' s what the federal government laws should mandate how the collection companies and CRAs should investigate disputes All collection actions and reporting actions should stop immediately. The time line should be equal on the consumer, collection company, CRAs reporting period. The original debt owner or collection ... | {
"entities": {
"value": [
{
"text": "Here' s what the federal government laws should mandate how the collection companies and CRAs should investigate disputes",
"start": 0,
"end": 121
},
{
"text": "The collections companies and original debt owners are responsibl... | [] |
Debt was sold to another company. So now debt is listed on my credit twice. So debt will last more than 10 years on report. Plus I' ve been a victim of identity theft twice. Both times I reported it to the police and to the credit agencies. Unfortunately nothing police can do but write a report for proof. Credit agency... | {
"entities": {
"testimony": [
{
"text": "Debt was sold to another company.",
"start": 0,
"end": 33
},
{
"text": "So now debt is listed on my credit twice.",
"start": 34,
"end": 75
},
{
"text": "So debt will last more than 10 ye... | [] |
I have had debt collectors call and tell me that I am not cooperating to get the debt resolved, yell at me, tell me I must be lazy or not understand I owe the money. They have called me from 7: 00 am to 9: 00pm at least 10 times during the day using a different company name, different phone number and location includin... | {
"entities": {
"testimony": [
{
"text": "I have had debt collectors call and tell me that I am not cooperating to get the debt resolved, yell at me, tell me I must be lazy or not understand I owe the money.",
"start": 0,
"end": 165
},
{
"text": "They have called ... | [] |
I had to spend quite a bit of time dealing with their repeated calls. Of course, they weren' t looking for me but rather for someone with my very common last name and first initial. I had many calls from them one day. Apparently, their telephone representatives were trained to hang up if they received any response othe... | {
"entities": {
"testimony": [
{
"text": "I had to spend quite a bit of time dealing with their repeated calls.",
"start": 0,
"end": 69
},
{
"text": "Of course, they weren' t looking for me but rather for someone with my very common last name and first initial.",
... | [] |
The original comment was suggesting that anytime a debt collector calls they are automatically agreeing to be recorded if the consumer chooses to do so. I think that is a FANTASTIC idea. | {
"entities": {
"fact": [
{
"text": "The original comment was suggesting that anytime a debt collector calls they are automatically agreeing to be recorded if the consumer chooses to do so.",
"start": 0,
"end": 152
}
],
"value": [
{
"text": "I think that i... | [] |
Consumers should be able to request calls be limited to one contact per week if they desire. That is a fair and honorable compromise, | {
"entities": {
"policy": [
{
"text": "Consumers should be able to request calls be limited to one contact per week if they desire.",
"start": 0,
"end": 92
}
],
"value": [
{
"text": "That is a fair and honorable compromise,",
"start": 93,
"... | [] |
Just like Cable companies may expect their customers to give them a four hour window for service calls, consumers should be allowed to choose a time frame they prefer to be called within. If they never respond within that time frame, then the debt collector could try a different time frame. | {
"entities": {
"value": [
{
"text": "Just like Cable companies may expect their customers to give them a four hour window for service calls,",
"start": 0,
"end": 103
}
],
"policy": [
{
"text": "consumers should be allowed to choose a time frame they prefe... | [] |
I am saying that collection agencies cannot be trusted and more often than not go beyond their job scope. Some act as loan sharks and not collection agencies. I also think that their behavior is criminal when it comes to making threats against consumers and harassing people with disabilities and seniors. So, yes i thin... | {
"entities": {
"value": [
{
"text": "I am saying that collection agencies cannot be trusted and more often than not go beyond their job scope.",
"start": 0,
"end": 105
},
{
"text": "Some act as loan sharks and not collection agencies.",
"start": 106,
... | [] |
Yes. I think there is a way to get the debt collectors on board. The CFPB can remind them that debt collection companies may be exposing their own phone reps/employees to unnecessary verbal abuse from customers who have a legitimate justification for being upset because of follow up calls that ignore the updated agreem... | {
"entities": {
"value": [
{
"text": "Yes. I think there is a way to get the debt collectors on board.",
"start": 0,
"end": 64
},
{
"text": "This also gives the debt collection phone rep the ability to say... \" It has been a week or longer since our last communic... | [] |
This question is most interesting with respect to student loans. Unlike most other debts, student loans have the potential to be greater than $75k, which means a consumer can be sued in Federal Court under supplemental jurisdiction provisions. Additionally, should the current creditor be able to achieve complete divers... | {
"entities": {
"value": [
{
"text": "This question is most interesting with respect to student loans.",
"start": 0,
"end": 64
}
],
"fact": [
{
"text": "Unlike most other debts, student loans have the potential to be greater than $75k,",
"start": 6... | [] |
Some problems that debt collectors and buyers have with giving consumers this information arises in the field of Electronic Data Interchange. Here, not all debts, especially with interest are calculated the same way, and since there are fees, such as statutory attorneys fees, and court costs, which can be added to the ... | {
"entities": {
"value": [
{
"text": "Some problems that debt collectors and buyers have with giving consumers this information arises in the field of Electronic Data Interchange.",
"start": 0,
"end": 141
},
{
"text": "calculating the balance becomes cumbersome wh... | [] |
Student Loans, Many of the problems that students are facing are with student loans from the private sector. Take for example Sallie Mae, this company has it on file that i dod not graduate from college and i did graduate. Their collections agencies are like loan sharks going to the extreme of making threats and cussin... | {
"entities": {
"value": [
{
"text": "Student Loans, Many of the problems that students are facing are with student loans from the private sector.",
"start": 0,
"end": 108
},
{
"text": "Their collections agencies are like loan sharks going to the extreme of making... | [] |
False of misleading are rearranging paper work to suit their claims, false allegations against the lender, personal harassment, humiliation on credit reports, preventing students from seeking consolidation form other companies. Other false or misleading is the assumption that students dont want to repay their loans. Th... | {
"entities": {
"value": [
{
"text": "False of misleading are rearranging paper work to suit their claims, false allegations against the lender, personal harassment, humiliation on credit reports, preventing students from seeking consolidation form other companies.",
"start": 0,
"end... | [] |
Too many collectors call and never report the " mini-Miranda warning ". They call all times of the day and night, and multiple times of the day. If they don' t get you because your have called ID, they will change their ID and try again. It is simply harrassment. Many will challenge the the consumer, threaten, and even... | {
"entities": {
"value": [
{
"text": "Too many collectors call and never report the \" mini-Miranda warning \".",
"start": 0,
"end": 71
},
{
"text": "If they don' t get you because your have called ID, they will change their ID and try again.",
"start": 14... | [] |
A certified letter plus a regular letter should be sent. It proves that a consumer is at least aware of the debt and has X time to respond. Should cost any more then the postage of the regular letter. | {
"entities": {
"policy": [
{
"text": "A certified letter plus a regular letter should be sent.",
"start": 0,
"end": 56
},
{
"text": "Should cost any more then the postage of the regular letter.",
"start": 140,
"end": 200
}
],
"value"... | [] |
Having been recently included for free credit checking, after the Target identity theft issue, I checked my credit with Experian and found a $9, 924 " collection " on my credit report, resulting in a 610 FICO score! I had never heard of Portfolio Recovery, a company located in Virginia. I immediately wrote to the Offic... | {
"entities": {
"testimony": [
{
"text": "Having been recently included for free credit checking, after the Target identity theft issue, I checked my credit with Experian and found a $9, 924 \" collection \" on my credit report, resulting in a 610 FICO score!",
"start": 0,
"end": 215... | [] |
The debt collector must be required to submit the original application for credit with the consumer' s original signature and the original letter of approval for the credit. The debt collection company should be required to submit full documentation that the debt actually exists. Too many debt collectors rely on falsif... | {
"entities": {
"policy": [
{
"text": "The debt collector must be required to submit the original application for credit with the consumer' s original signature and the original letter of approval for the credit.",
"start": 0,
"end": 173
},
{
"text": "The debt col... | [] |
During the past 2 years I have been repeatedly contacted by a variety of collection agencies. It began innocently enough, when one of them called me, asking " when can we expect your payment, " when that statement had not yet arrived and was not due until the 20th of the month and the call occurred on the 11th. It was ... | {
"entities": {
"testimony": [
{
"text": "During the past 2 years I have been repeatedly contacted by a variety of collection agencies.",
"start": 0,
"end": 93
},
{
"text": "It began innocently enough, when one of them called me, asking \" when can we expect your ... | [] |
I do not agree, when it come to company call or text all day and night. New federal rule should not do this at all. It sound like somebody is getting pay to put this new federal laws. It all about money as always | {
"entities": {
"value": [
{
"text": "I do not agree, when it come to company call or text all day and night.",
"start": 0,
"end": 71
},
{
"text": "It sound like somebody is getting pay to put this new federal laws.",
"start": 116,
"end": 183
... | [] |
I don' t believe that debt tolling should be legal. For instance, I had a medical crisis while living in Illinois for college. Despite having insurance, I still ended up deeply in debt. I attempted to work with the debt collectors, but I just couldn' t keep up due to the massive amounts. I moved back to Wisconsin where... | {
"entities": {
"policy": [
{
"text": "I don' t believe that debt tolling should be legal.",
"start": 0,
"end": 51
},
{
"text": "and I believe the issue of debt tolling should be explored.",
"start": 937,
"end": 996
}
],
"testimony": ... | [] |
There needs to be a universal Statute of Limitations. The current system is an absolute mess. 17 states maintain a SOL of three to four years, while 19 others have the six years SOL time limit. The rest all have diverse SOL limits with some extending for even up to 10 years. Tolling provisions make it even more confusi... | {
"entities": {
"policy": [
{
"text": "There needs to be a universal Statute of Limitations.",
"start": 0,
"end": 53
},
{
"text": "Simplify it.",
"start": 324,
"end": 336
},
{
"text": "Have a single NATIONAL Statute of Limitatio... | [] |
I believe that a universal statute of limitations would be an effective way to end debt tolling. If there was a universal statute of limitations, there would be no need for debt tolling. Collectors would be able to file suit no matter where the debtor lived based on a single set of federal laws. It also makes things le... | {
"entities": {
"value": [
{
"text": "I believe that a universal statute of limitations would be an effective way to end debt tolling.",
"start": 0,
"end": 96
},
{
"text": "If there was a universal statute of limitations, there would be no need for debt tolling.",... | [] |
I agree 100% with this statement. Creditors should not simply be able to pull your credit report at their fancy. I had so many soft pulls (this was before I realized I needed to opt out of marketing) that my credit report from Equifax got " split. " Basically, this means that my report got chopped in half and trade lin... | {
"entities": {
"value": [
{
"text": "I agree 100% with this statement.",
"start": 0,
"end": 33
},
{
"text": "Basically, this means that my report got chopped in half and trade lines disappeared.",
"start": 250,
"end": 335
},
{
... | [] |
As a banker in a small bank, I have been on both sides of the collection business. Bankers have to prove a debt and give consumers a chance of object to the validity. When I have had collection agencys contact us for medical collections, I found these people to be scum. They don' t care if the debt is valid, correct, o... | {
"entities": {
"testimony": [
{
"text": "As a banker in a small bank, I have been on both sides of the collection business.",
"start": 0,
"end": 82
}
],
"fact": [
{
"text": "Bankers have to prove a debt and give consumers a chance of object to the validit... | [] |
While I do not advocate daily robo-calling, I have to wonder why a consumer finds themselves on the receiving end of these calls? Receiving the daily call would indicate the consumer is also continually ignoring this debt. Sadly, there is a demographic that thinks this way. If the consumer has found themselves in a tou... | {
"entities": {
"value": [
{
"text": "While I do not advocate daily robo-calling, I have to wonder why a consumer finds themselves on the receiving end of these calls?",
"start": 0,
"end": 129
},
{
"text": "Receiving the daily call would indicate the consumer is a... | [] |
Some of us find ourselves on the receiving end of daily (or more frequent) robo calls because we have common last names. And I do think that the debt collectors who have called me would very much like me to pay the debt even though it isn' t mine. | {
"entities": {
"fact": [
{
"text": "Some of us find ourselves on the receiving end of daily (or more frequent) robo calls",
"start": 0,
"end": 85
}
],
"value": [
{
"text": "because we have common last names.",
"start": 86,
"end": 120
... | [] |
The state, county, city make their own laws. That is what I have ran into and if a person does not hire a lawyer, are not a big group, there isn' t much hope for the consumer. The law where everyone may hire a lawyer has limits--IE: Will not take a criminal or money cases if a non profit org. or free lawyer takes the c... | {
"entities": {
"fact": [
{
"text": "The state, county, city make their own laws.",
"start": 0,
"end": 44
}
],
"testimony": [
{
"text": "That is what I have ran into",
"start": 45,
"end": 73
},
{
"text": "and I have trie... | [] |
The ACA' s (debt collectors) positions on the CFPB' s proposed rules is disgusting!! It is laughable! See for yourself America, here it is: __URL__ | {
"entities": {
"value": [
{
"text": "The ACA' s (debt collectors) positions on the CFPB' s proposed rules is disgusting!!",
"start": 0,
"end": 84
},
{
"text": "It is laughable!",
"start": 85,
"end": 101
}
],
"policy": [
{
... | [] |
I' ve heard multiple stories of summons being dropped off or served to the wrong individual and summons being mailed to old addresses when the new address was clearly available. I don' t believe that a summons should ever be served by mail. If the debt collector wants to sue, they should be required to serve the person... | {
"entities": {
"testimony": [
{
"text": "I' ve heard multiple stories of summons being dropped off or served to the wrong individual and summons being mailed to old addresses when the new address was clearly available.",
"start": 0,
"end": 177
}
],
"policy": [
{
... | [] |
I agree. However, I believe that having a universal or national statute of limitations would alleviate this problem. The current system is too confusing. | {
"entities": {
"value": [
{
"text": "I agree.",
"start": 0,
"end": 8
},
{
"text": "However, I believe that having a universal or national statute of limitations would alleviate this problem.",
"start": 9,
"end": 116
},
{
"text"... | [] |
Notification that a debt is being sold would be ideal as it would afford the debtor the opportunity to negotiate the amount and possibly assist in thwarting any potential negative reporting on one' s credit report. If a debtor is afforded the opportunity to negotiate his or her debt for a reasonable amount, perhaps the... | {
"entities": {
"value": [
{
"text": "Notification that a debt is being sold would be ideal",
"start": 0,
"end": 53
},
{
"text": "as it would afford the debtor the opportunity to negotiate the amount and possibly assist in thwarting any potential negative reportin... | [] |
i agree. their comments are outrageous and is just more of the same. why should we expect a lobby group of debt collectors to really want enforceable new rules? | {
"entities": {
"value": [
{
"text": "i agree.",
"start": 0,
"end": 8
},
{
"text": "their comments are outrageous and is just more of the same.",
"start": 9,
"end": 68
}
],
"policy": [
{
"text": "why should we expect a l... | [] |
Yes, if the account is still open the bank must hold onto the agreement for 20 years. If the account went delinquent 20 years before litigation then the statute of limitations has long passed and the lawsuit is frivolous; it should be dismissed with sanctions. | {
"entities": {
"fact": [
{
"text": "Yes, if the account is still open the bank must hold onto the agreement for 20 years.",
"start": 0,
"end": 85
},
{
"text": "If the account went delinquent 20 years before litigation then the statute of limitations has long pass... | [] |
This is the problem. What account would stay open for 20 years after being delinquent. It seems to me this is just a way to prolong as long as possible the ability to harass people for very old debt. There needs to be time limits. This type of thing, re-filing debt, selling the same debt to someone else, and then addin... | {
"entities": {
"value": [
{
"text": "This is the problem.",
"start": 0,
"end": 20
},
{
"text": "What account would stay open for 20 years after being delinquent.",
"start": 21,
"end": 86
},
{
"text": "It seems to me this is jus... | [] |
That might work if each state had reasonable, intelligent and realistic collection rules. But just the fact that the cost of getting a report varies wildly shows such disparities from state to state. My opinion is that there desperately needs to be some uniformity. This would help people to know what is expected of the... | {
"entities": {
"value": [
{
"text": "That might work if each state had reasonable, intelligent and realistic collection rules.",
"start": 0,
"end": 89
},
{
"text": "But just the fact that the cost of getting a report varies wildly shows such disparities from stat... | [] |
CG I endorse and want to add again at the risk of sounding like a broken record, it is the wild fluctuation in rules across the country. This is not a " state' s rights " issue as someone wants to make it, but a way to bring some fairness and intelligence to this process. | {
"entities": {
"value": [
{
"text": "CG I endorse and want to add again at the risk of sounding like a broken record, it is the wild fluctuation in rules across the country.",
"start": 0,
"end": 136
},
{
"text": "This is not a \" state' s rights \" issue as someo... | [] |
What Nancy H said exemplifies the problem: no standards across the board. Best of luck to you. What happens to you in this situation depends on the collection agency, the creditor (in the first place) and where you live. Where you live should not be a factor. | {
"entities": {
"value": [
{
"text": "What Nancy H said exemplifies the problem: no standards across the board.",
"start": 0,
"end": 73
},
{
"text": "What happens to you in this situation depends on the collection agency, the creditor (in the first place) and wher... | [] |
I got hit with a notice from a doctor' s office and his collection agency that I owed and--get this--never responded to their notices. First, I never got any notices and second, I called the doctor' s office and validated that I have never been a patient there. The office manager even wrote a letter to the collection a... | {
"entities": {
"testimony": [
{
"text": "I got hit with a notice from a doctor' s office and his collection agency that I owed and--get this--never responded to their notices.",
"start": 0,
"end": 134
},
{
"text": "First, I never got any notices",
"start"... | [] |
You are not living in the real world if you think it is just so easy, RBell. No, most consumers are not lawyers. The people using these debt collection practices are deliberately abusing the law because they know most who are harassed and in debt and working people who probably can' t afford a lawyer. And I' ll just be... | {
"entities": {
"value": [
{
"text": "You are not living in the real world if you think it is just so easy, RBell.",
"start": 0,
"end": 76
},
{
"text": "The people using these debt collection practices are deliberately abusing the law",
"start": 113,
... | [] |
Good idea debt neutrality. But the sad thing is, being in debt is NOT considered a crime however, the way the laws are now, and the abuses these collection agencies engage in, you might as well be considered a criminal. I agree. Set up a system where the consumer is on equal footing with the debt collectors. | {
"entities": {
"value": [
{
"text": "Good idea debt neutrality.",
"start": 0,
"end": 26
},
{
"text": "however, the way the laws are now, and the abuses these collection agencies engage in, you might as well be considered a criminal.",
"start": 89,
... | [] |
Get a copy of the police report and mail it to all three. They HAVE to put a freeze on your report, and you get a pin, and if you have to lift it you need to have that pin. It is quite a pain. I had a burglary in 2012--14 pages of items stolen, I had to call all my credit cards and get issued new ones. Heartbreaking--n... | {
"entities": {
"policy": [
{
"text": "Get a copy of the police report",
"start": 0,
"end": 31
},
{
"text": "and mail it to all three.",
"start": 32,
"end": 57
},
{
"text": "Otherwise, go to a lawyer and let them dangle on the e... | [] |
I agree with you that being in debt is not a crime, however, if a debtor defaults on a debt they basically have no rights if they cannot afford an attorney as one will not be provided for them by the state. Pro Se can easily become a mess as no one will actually help with the paperwork, even state funded pro se agencie... | {
"entities": {
"value": [
{
"text": "I agree with you that being in debt is not a crime,",
"start": 0,
"end": 51
},
{
"text": "however, if a debtor defaults on a debt they basically have no rights if they cannot afford an attorney",
"start": 52,
"... | [] |
Because credit card contracts are adhesion contracts, it is up to educated third party observers to make sure the adhesion contract is fair. If a person experiences a dramatic event beyond their control that reduces their income, it seems questionable to not allow the debtor the right to suspend the interest rate charg... | {
"entities": {
"fact": [
{
"text": "Because credit card contracts are adhesion contracts,",
"start": 0,
"end": 53
},
{
"text": "yet our own government allowed the owner of the twin towers to collect on their insurance policy",
"start": 1004,
"end"... | [] |
it still bothers me that " financial literacy " may be the escape clause that the CFPB uses to avoid the real issue. How about rewarding those of us who have tirelessly blogged about exposing the financial traps set up by the credit card companies, especially those of us who did it all on our own dime and time. Credit ... | {
"entities": {
"value": [
{
"text": "it still bothers me that \" financial literacy \" may be the escape clause that the CFPB uses to avoid the real issue.",
"start": 0,
"end": 116
},
{
"text": "How about rewarding those of us who have tirelessly blogged about ex... | [] |
Even when the right person is hauled into court, everything From_ill_annoy stated is still true. Defaulters should not be forced to complete the same type of court papers that those accused of crimes are required to fill out and file. Since debt collection is not considered a criminal act, filing papers should be much ... | {
"entities": {
"value": [
{
"text": "Even when the right person is hauled into court, everything From_ill_annoy stated is still true.",
"start": 0,
"end": 96
}
],
"policy": [
{
"text": "Defaulters should not be forced to complete the same type of court pa... | [] |
This Draft Summary of Discussion fails to address the issues of confusion about the statute of limitations and how they vary among states. This is a big source of confusion in terms of collection of a debt and jurisdiction. Creating a more stanadrized set of rules would alleviate these problems. In 2010, the FTC releas... | {
"entities": {
"value": [
{
"text": "This Draft Summary of Discussion fails to address the issues of confusion about the statute of limitations and how they vary among states.",
"start": 0,
"end": 138
},
{
"text": "This is a big source of confusion in terms of co... | [] |
I would disagree that there is confusion among consumers about SOL which would, as you suggest, require the need for a national SOL. The only time I have personally seen SOL straddle a line is when a consumer moves to another state with a different SOL. The clarity needs to be in these such cases. Because once a debtor... | {
"entities": {
"value": [
{
"text": "I would disagree that there is confusion among consumers about SOL which would, as you suggest, require the need for a national SOL.",
"start": 0,
"end": 132
},
{
"text": "Because once a debtor moves, both parties claim the SO... | [] |
I respectfully disagree with your assessment. If anything, I believe that a national statute of limitations would actually stop the process of zombie debt. We live in a transient society. Assume that a national SOL were to be adapted " Also, you did not address the issue of tolling. Again, we live in a transient societ... | {
"entities": {
"value": [
{
"text": "I respectfully disagree with your assessment.",
"start": 0,
"end": 45
},
{
"text": "If anything, I believe that a national statute of limitations would actually stop the process of zombie debt.",
"start": 46,
"... | [] |
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