Follow us: Follow us on Facebook Follow us on Twitter Follow us on Google+ Follow us on Linkedin Follow us on Tumblr Subscribe to our RSS or Atom feed
Saturday, November 1, 2014
Southern Weather Radar


Our Writers

  • Adam Peck
  • Alan Gordon
  • Alex Kearns
  • Alex Seitz-Wald
  • Alice Murray
  • Allison Korn
  • Alyssa Cagle
  • Amanda Marcotte
  • Amanda Peterson Beadle
  • Andrea Grimes
  • Andrea Lee Meyer
  • Andrew Bowen
  • Andy Brack
  • Andy Kopsa
  • Andy Miller
  • Andy Schmookler
  • Ann Marie Pace
  • Ann Woolner & Leonard Ray Teel
  • Anna Dolianitis
  • Anna Forbes and Kate Ryan
  • Annelise Thim
  • Anoni Muss
  • April Adams
  • April Moore
  • Ariel Harris
  • Armando
  • Arthur Blaustein
  • Austen Risolvato
  • Austin McMurria
  • Barry Hollander
  • Bert Roughton III
  • Beth Ostlund
  • Betsey Dahlberg
  • Bill Hamm
  • Bill Mankin
  • Bill Montgomery
  • Bill Moyers & Michael Winship
  • Bill Phillips
  • Bill Semple
  • Bill Tush
  • Billy Howard
  • Bob Bohanan
  • Bob Pritchard
  • Booth Malone
  • Bootsie Lucas
  • Boyd Lewis
  • Brad Clayton
  • Braden Goyette For ProPublica
  • Brett Martin
  • Brian Randall
  • Brianna Peterson
  • Bruce Dixon
  • Bruce E. Levine
  • Burton Cox
  • Candice Dyer
  • Carl Kline
  • Carol Carter
  • Casey Hayden
  • Cathleen Hulbert
  • Center for American Progress
  • Chantille Cook
  • Charles Finn
  • Charles O. Hendrix Jr.
  • Charles Seabrook
  • Charles Walston
  • Chelsea Toledo
  • Chelsey Willis
  • Chris Bowers
  • Chris Kromm
  • Chris Wohlwend
  • Christopher Burdette
  • Chrys B. Graham
  • Chuck Collins
  • Cliff Green
  • Cody Maxwell
  • Collin Kelley
  • Craig Miller
  • Crissinda Ponder
  • Dallas Lee
  • Dan Kennedy
  • Daniel Flynn
  • Daniel K. Williams
  • Daniel Palmer
  • Danny Fulks
  • Dante Atkins
  • Darby Britto
  • Dave Cooley
  • Dave Johnson
  • Dave Pruett
  • David Bradford
  • David Evans
  • David Harris-Gershon
  • David Jenks
  • David Kyler
  • David Rotenstein
  • David Swanson
  • Dean Baker
  • Deb Barshafsky
  • Debbie Houston
  • Deborah Chasteen
  • Denise Oliver Velez
  • Dennis McCarthy
  • Desiree Evans
  • Dian Cai
  • Diana Delatour
  • Dina Rasor
  • Dindy Yokel
  • Doc
  • Don Lively
  • Don O'Briant
  • Door Guy
  • Doug Couch
  • Doug Cumming
  • Dr. Brian Moench
  • Dr. Nick De Bonis
  • E. David Ferriman
  • Earl Fisher
  • Eden Landow
  • Eileen Dight
  • Eleanor Ringel Cater
  • Elizabeth Shugg
  • Ellen Brown
  • Elliott Brack
  • Erin Kotecki Vest
  • Fatima Najiy
  • FishOutofWater
  • Francisco Silva
  • Frank Povah
  • Fred Brown
  • Frederick Palmer
  • Gadi Dechter, Michael Ettlinger
  • Gail Kiracofe
  • Gaius
  • Georgia Logothetis
  • Gib Ennis
  • Gina Williams
  • Gita M. Smith
  • Glenn Overman
  • Gordon Anderson
  • Gregory C. Dixon
  • Gryphon Corpus
  • Hamp Skelton
  • Harriet Barr
  • Heather Boushey
  • Henry Dreyer
  • Hollis B. Ball III
  • Hugh
  • Hyde Post
  • Ian Kim
  • Ian Millhiser
  • Isabel Owen
  • Ivy Brashear
  • J.A. Myerson
  • Jack deJarnette
  • Jack Wilkinson
  • Jacklyn C. Citero
  • Jake Olzen
  • James Hataway
  • James Marc Leas
  • James N. Maples
  • Janet Ward
  • Jasmine Burnett
  • Jason Palmer
  • Jason Parker
  • Jay Thompson
  • Jeff Cochran
  • Jeff Davis
  • Jeff Rayno
  • Jeff Spross
  • Jennifer Hill
  • Jesse Harwell
  • Jessica Luton
  • Jim Bentley and Jeff Nesmith
  • Jim Clark
  • Jim Cobb
  • Jim Fitzgerald
  • Jim Newell
  • Jim Stovall
  • Jim Walls
  • Jim Warren
  • Jimmy Booth
  • Jing Luo
  • Jingle Davis
  • Joan Donovan
  • Jodi Jacobson
  • Jody Wegmueller
  • Joe Earle
  • Joe Shifalo
  • Joel Groover
  • Joey Ledford
  • John A. Tures
  • John Dembowski
  • John Hickman
  • John M. Williams
  • John Manasso
  • John Sugg
  • John Tabellione
  • John Yow
  • Jon Sinton
  • Jonathan Grant
  • Joni Hunnicutt
  • Jonna Pattillo
  • Joseph B. Atkins
  • Joseph Gatins
  • Josh Dorner
  • Josh Sewell
  • Joy Moses
  • Judith Stough
  • Judy McCarthy
  • Juli Ward
  • Julian Bond
  • Julianne Wyrick
  • Julie Ajinkya
  • Julie Puckett Fodera
  • Just Plain Will
  • Kaili Joy Gray
  • Kate Greer
  • Kate McNally
  • Kathleen Brewin Lewis
  • Kathleen Harbin
  • Kathleen R. Gegan
  • Kathryn Hoffman
  • KC Wildmoon
  • Keith Graham
  • Ken Edelstein
  • Ken Haldin
  • Kevin Austin
  • Kevin Duffy
  • Kip Burke
  • Kirk McAlpin
  • Kirsten Barr
  • Kos Moulitsas
  • Kristie Macrakis
  • Lacey Avery
  • Lamont Cranston
  • Laura Clawson
  • Laura Smith
  • Laurence Lewis
  • Lawrence S. Wittner
  • Lee Leslie
  • Lee Robin
  • Les Eatwell
  • LikeTheDew
  • Linda Hunt Beckman
  • Linda Jordan Tucker
  • Lisa Byerley Gary
  • Lisa Kerr
  • Lois Beckett, Propublica
  • Lorraine Berry
  • Louie Clay
  • Louis Mayeux
  • Lovell Jones, Ph.D.
  • Lucy Emerson Sullivan
  • Lucy Guest
  • Maggie Lee
  • Maisha White
  • Mandy Richburg Rivers
  • Margi Ness
  • Marian Wang, ProPublica
  • Marie Diamond
  • Mark Dohle
  • Mark Johnson
  • Mark Sumner
  • Martha W. Fagan
  • Mary Civille
  • Mary Elizabeth King
  • Mary Kay Andrews
  • Mary Lee
  • Mary Willis Cantrell
  • Matt Johnson
  • Matt Musick
  • Matt Renner
  • Matthew Wright
  • Maurice Carter
  • Meg Livergood Gerrish
  • Meghan Miller
  • Melanie Rochat
  • Melinda Ennis
  • Michael Beckel
  • Michael Castengera
  • Michael Ettlinger
  • Michael J. Solender
  • Michael Linden
  • Michael Lux
  • Michael W. Twitty
  • Mike Copeland
  • Mike Cox
  • Mike Handley
  • Mike Lofgren
  • Mike Ludwig
  • Mike Williams
  • Mike ”Hunter” Lazzaro
  • Mimi Skelton
  • Moni Basu
  • Monica Smith
  • Murray Browne
  • Myra Blackmon
  • Nancy Melton
  • Nancy Puckett
  • Nancy Robinson
  • Nancy Rogers
  • Neill Herring
  • Nelly McDaid
  • Nikki Gardner
  • Niles Reddick
  • Noel Holston
  • Occupy Wall Street
  • Overman & Senn
  • Pamela Sumners
  • Pat Garofalo
  • Pat LaMarche
  • Patrick L. Ledford
  • Patsy Dickey
  • Patti Ghezzi
  • Paul Krupin
  • Paul Rutledge
  • Paul Thim
  • Pete & Jack
  • Peter Crawford
  • Peter Turnbull
  • Phil Gast
  • Phil Noble
  • Philip Graitcer
  • Phyllis Alesia Perry
  • Phyllis Gilbert
  • Piney Woods Pete
  • R. P. Singletary
  • R.L. Miller
  • Rafael Alvarez
  • Randy Conway
  • Randy Schiltz
  • Ray Bearfield
  • Raymond L. Atkins
  • Reagan Walker
  • Rebecca Sive
  • Richard Eisel
  • Righton C. Willis
  • Rob Chambers
  • Rob Coppock
  • Rob Douthit
  • Robert Dardenne
  • Robert Jensen
  • Robert Lamb
  • Robert M. Williams, Jr.
  • Robert Mashburn
  • Robert Weiner & Richard Mann
  • Robin Marty
  • Rodney Adams
  • Roger Gregory
  • Ron Feinberg
  • Ron Taylor
  • Rose Aguilar
  • Rose Weaver
  • Rosemary Griggs
  • Russ Wellen
  • Sam Morton
  • Sao Magnifico
  • Sara Amis
  • Sarah Ayres
  • Sarah Bufkin
  • Saralyn Chesnut
  • Scott Anna
  • Scott Borchert
  • Scott Keyes
  • Scott Wooledge
  • Seth Cline
  • Shane Gilreath
  • Sharon M. Riley
  • Shay Dawkins
  • Sheffield Hale
  • Sheila Barnard Nungesser
  • Sigrid Sanders
  • SoniaTai
  • Sonya Collins
  • Soraya Chemaly
  • Spencer Lawton
  • Stephanie Taylor
  • Stephen Lacey
  • Steve King
  • Steve Krodman
  • Steve Valk
  • Stuart Liss
  • Sue Sturgis
  • Sujigu
  • Susan De Bonis
  • Susan Soper
  • Susan Wilson
  • Suz Korbel
  • Tammy Andrews
  • Tammy Ingram
  • Tanya Somanader
  • Ted Kooser
  • Terri Evans
  • The Barnacle Goose
  • Thomas A. Bledsoe
  • Tiger Liliuokalani
  • Tim Oliver
  • Timothy Freeman
  • Timothy Hurst
  • Tom Baxter
  • Tom Crawford
  • Tom Ferguson
  • Tom Millsop
  • Tom Poland
  • Tom Walker
  • Travis Waldron
  • Travis Waldron & Pat Garofalo
  • Trevor Stone Irvin
  • Tricia Collins
  • Troubadour
  • Valerie Evans
  • Viveca Novak
  • Waldron, Somanader & Garofalo
  • Walter Rhett
  • Wanda Argersinger
  • Wayne Countryman
  • Wayne Johnson
  • We The People
  • Will Cantrell
  • Will Nelson
  • William Cotter
  • William Hedgepeth
  • Yana Kunichoff
  • Yasmin Vafa
  • Zack Beauchamp
  • Zack Ford
  • Zaid Jilani
  • Zaina Budayr




  • Writer Login


    Like the Dew?

    We are non-commercial, all volunteer and supported by our readers. Please help sustain the Dew by making a donation.

    A Consumer Win

    When Debt Collectors are Bullies

    by | Jan 31, 2012

    Anyone who’s ever been hassled by debt collectors calling incessantly to collect a debt, especially one that’s not even owed, will be glad to learn that the Department of Justice and Federal Trade Commission, a consumer protection agency, have been working together to rein in some of the worst debt buyers. In United States v. Asset Acceptance, LLC, a suit brought in the U.S. District Court in the Middle District of Florida, in Tampa, the defendants have agreed to a settlement which imposes a fine of $2.5 million and a number of changes in their business practices.

    Asset specializes in purchasing old consumer debts from other companies, and then holding and collecting on these debts over a long period of time. According to the complaint, as of Sept. 30, 2010, Asset held more than 34 million individual accounts with an original value of more than $42 billion, making it one of the nation’s largest debt buyers and a market leader.

    The Department of Justice, according to Tony West, Assistant Attorney General for the Civil Division, hopes that this settlement will help set the standard for appropriate behavior by other players in an industry that’s really only taken off in the last ten years. Since the Fair Debt Collection Practices Act hasn’t been updated in about three decades, it’s likely that the newly organized Consumer Financial Protection Bureau will be looking at how to strengthen the law.

    In the mean time, perhaps the most important part is a requirement that debt collectors notify consumers in writing of their intent to provide information to credit rating agencies, so consumers can challenge any errors at the outset, instead of discovering them when they need to take out a loan.

    According to the complaint, many of the debts Asset purchased are outside of the statute of limitations and consumers have no enforceable legal obligation to pay that debt. In some states, consumers can reset the statute of limitations if they promise to pay the debt or make a partial payment on the debt. Asset is alleged to have collected on this so-called “zombie” debt without informing consumers that these debts were not legally enforceable, or that in making a partial payment or promise to pay, they may have unwittingly breathed life back into these debts.

    This is an important point, but perhaps not entirely clear. What it means is that when time has run out on collecting a debt and the collector can no longer bring a suit in court, if a person makes a payment in response to a request, he can inadvertently start the clock running again. And, since the statutes of limitation vary in the different states (the limit can be anywhere from 3 to 10 years), consumers need to inform themselves. The information is quite readily available, including on this web site. In the settlement, Asset agrees not to take advantage of this restart provision and not penalize people making a good faith effort to pay their debts.

    The settlement also requires other changes to Asset’s business practices that create safeguards for consumers. For example, the company must conduct a reasonable investigation into the legitimacy of a debt when it becomes aware of a consumer dispute or if the company who sold a debt to Asset provided unreliable information about the original debt. The company can no longer consider undelivered mail to constitute notice that information about a consumer is being reported to a credit reporting agency or repeatedly contact third parties in a way that violates the Fair Debt Collection Practices Act.

    If $2.5 million seems like a paltry amount, I guess we have to content ourselves with the fact that it is really hard to put a company in jail. It hardly seems fair, especially on a day when we learn that Georgia is routinely putting parents in prison for failing to pay child support. 845 in the month of October alone.

    ###

    Monica Smith

    Monica Smith writes Hannah's Blog. Born in Germany, she came to the United States as a child, living first in California, then after an interval in Chile, in New York. Married to a retired professor at the University of Florida, where she lived for 17 years, she moved to St. Simons Island, Georgia, in 1993 and now divides her time between Georgia and New Hampshire. (New Hampshire, she says, is always interesting during a presidential election.) She and her husband have three children and five grandchildren. Ms. Smith says she "learned long ago that I am not a good team player when I got hired at the Library of Congress, fresh out of college with a degree in political science and proficiency in four foreign languages, to 'edit' library cards and informed my supervisor that if she was going to insist I punch the clock exactly on time, my productivity was going to fall from being the highest to being the same as everyone else's. The supervisor opted to assign me to another building where there was no time-clock. After I had the first of our three children, I decided a paycheck wasn't worth the hassle."

     

    Print Friendly

     

    Note: Users are solely responsible for opinions they post here and for the agreed-upon rules of civility. Comments do not reflect the views of LikeTheDew.com. Comments are automatically checked for inappropriate language, but readers might find some comments offensive or inaccurate. If you believe a comment violates our rules, click here to report a violation.

  • Worthy of Comment



  • Also on the Dew

    Promises To Keep

    Promises To Keep

    By: David Evans

    In a class on Dante I'm currently enrolled in, Professor Frank Ambrosio of Georgetown University quoted the nineteenth century philosopher Friedric Nietzsche that human beings, as far as we know, are the only animals who make promises. I only add that humans are also the sole ones who break them. According to Ambrosio, Nietzsche puts the significance of human promising and its place with regard to freedom this way: "In man, nature set itself the task to breed an animal worthy of making promises." It's an extraordinary idea. What is it that allows an animal that lives in the here and now to   Read on →

    Ideas that Can Make Liberal America Stronger: Value is at the Heart of Our Humanity

    Ideas that Can Make Liberal America Stronger: Value is at the Heart of Our Humanity

    By: Andy Schmookler

    Summary: From the perspective of the evolution of life, it can be seen how value is an emergent -- but none the less real -- dimension of the reality of creatures like us humans. Evolution operates on the principle that life is better than death. Operating on that basis, evolution brings into existence creatures who experience that fulfillment is better than misery. That is the foundation of value. and it makes value fully real in every way it could be. Previously, I asserted that: the imbalance in intensity in the political battle raging in America is largely due to the deficiency of  Read on →

    Concerned About Where Our Nation Is Heading?

    Concerned About Where Our Nation Is Heading?

    By: Andy Schmookler

    Summary: Americans think the nation is heading in the wrong direction. My biggest worries are 1) that our democracy is increasingly being transformed by the influence of big money into a plutocracy, and 2) we are failing to act vigorously to address the pressing emergency of global climate change. On both issues, the Republicans are playing a darkly destructive role, while the Democrats are failing to press the battle with the necessary vigor. That pattern reveals the essential core of America's national crisis. *******Are you, like me, unhappy about where you sense our nation is heading? Do you, like me, fear  Read on →

    When Bad Politics Are Supported by Good People

    When Bad Politics Are Supported by Good People

    By: Andy Schmookler

    Recently my wife and I attended a reunion of her first cousins (and their spouses). These cousins are the children of the children of a couple of Swedish immigrants who settled in Iowa to farm in the late 19th century. What a wonderful family event! Just enough people to fill all the seats around a table not so big we couldn't all converse together. In all our time together, there wasn't a single hurtful word. Even the spouses, like me, were embraced in the family feeling, all glad to be together. All these cousins -- except for the two children of those  Read on →