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Robert N. Heath, P.A.
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February 2017 Archives

When it comes to credit card mistakes, don't forgive and don't forget -- II

Last week, our blog began discussing how even though people are understandably inclined to devote little time to reviewing their credit card statement, this can actually prove to be a mistake given how credit card companies are notorious for making billing mistakes.

Student-loan collector faces steep fine for illegal practices

Under a Feb. 14 court-approved stipulation between the Federal Trade Commission or FTC and GC Services, LP, the large third-party debt collector will pay to the U.S. Treasury a $700,000 civil penalty for student-loan collection practices that allegedly violated federal consumer-protection laws, including the Fair Debt Collection Practices Act or FDCPA.

When it comes to credit card mistakes, don't forgive and don't forget

When the first of the month rolls around, many people are hesitant to approach their mailboxes. That's because it marks the start of a new billing cycle, meaning statements for everything from mortgages and utilities to car payments and, of course, credit cards will begin arriving once again.

How an attorney can investigate credit card debt on your behalf

Paying credit card debt is widely considered as a hassle by most credit card holders. Not only do creditors send you constant payment notifications but you also need to source finances within a short duration. Nevertheless, there are circumstances when card holders make payments not owed. If you fall victim to such ludicrous claims, do not hesitate to contact a credit card defense attorney to aggressively defend your rights against unlawful payments. By hiring an experienced credit card lawyer, you are exempted from phone call harassment and the strain of a debt repayment schedule.

What are your rights under the Credit CARD Act?

The Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) implemented new rules for credit card companies. In doing so, the CARD Act provided several protections for credit card owners and applicants - particularly with regard to interest rate increases and credit card fees.

Managing debt with organization and payment plans

Many Florida residents understand the frustration of keeping on top of credit card bills. The first step to controlling the problem and creating a plan to eliminate debts requires a person to make a list of every source of debt, including car loans, credit card balances, medical bills, home loans and student loans.

If you have credit card debt, you still have property rights

It is scary to face losing your home. But if you own your home, creditors cannot take it. If you have a lien or mortgage on your home then it depends on the lender. What you can keep also depends on whether you live in an incorporated or unincorporated area. If you live in the former, you can keep your home and up to a half an acre of land. If you live in the latter, you can keep your home and up to 160 acres of land.

The truth about insurance bad faith -- II

Last week, our blog began discussing how even though people might understandably feel powerless when dealing with insurance companies, which have seemingly inexhaustible resources at their disposal, they should nevertheless derive comfort from the fact that they are extended considerable rights and protection under the law.

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