Category Archive: Debt Settlement


Debt Settlement


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Is A Debt Settlement Worth It?

If youre struggling with more bills arriving each month than youre able to pay, you might consider working with a debt settlement company (which is different from a debt consolidation company, although many do both). Debt settlement companies can be helpful, but consumers should learn about how these services work before making any agreement. Heres what you need to know to determine whether debt settlement is right for you.

How does debt settlement work?

Debt settlement companies approach your creditors and negotiate a plan in which each creditor agrees to cancel the loan for less than what you owe in exchange for a lump sum payment. Once this agreement is made, you pay a monthly amount to a special deposit account set up through the debt settlement company. You also pay fees to the debt settlement company for its services. When the amount in your deposit account reaches the level that one of your creditors has agreed to settle for, the settlement company pays the creditor, ending the debt.

Most people can do their own negotiating

If you can get access to a lump sum of money, from a family member or some other source, its worthwhile to call up a creditor yourself and simply ask whether it will accept less than the total amount you owe if you pay a lump sum. Even if you have to do some saving up, you can still talk to a creditor about a plan for paying off the debt in a few months for less than you owe.

Pros: When debt settlement is helpful

  • If you already have poor credit and are losing sleep over bills you cant pay, having a legitimate debt settlement company negotiate on your behalf can feel reassuring.
  • If you are not fluent in English or if you feel uncomfortable making phone calls to creditors, a responsible debt settlement company can provide you with a friendlier pathway out of debt.

Cons: Reasons for caution

  • You may pay a percentage of your debt upfront to the settlement company, plus a monthly fee, and then a percentage of any money the debt settlement company ends up saving you.
  • Debt settlement can cause significant damage to your credit rating depending on how its reported, so you should not consider it if you have good credit.

How to move forward

You can gain a good understanding of debt settlement by reading the governments FTC page about this topic. Be aware that the IRS considers any amount of debt that is forgiven as income, and you will have to pay income tax on that amount. Before deciding on debt settlement, you will probably benefit from a free consultation with a consumer credit counselor or a bankruptcy lawyer. When youre in debt, you have several options, and its a good idea to explore all of them before choosing one. We did some research and here are the top debt settlement companies:

Best Overall: National Debt Relief

Price: National Debt Relief is one of the more affordable debt consolidation services. First, it doesnt charge a monthly service fee like most other debt consolidation and settlement services. They do, however, charge 20 percent of whatever you end up saving by using their services. So if your debt is $10,000, and you end up paying only $9,000, they would receive $200. On the plus side, you can get a quote and a consultation for free with National Debt Relief.

BBB Rating: A (Also accredited by both the American Fair Credit Council and the International Association of Professional Debt Arbitrators.)

Features: National Debt Relief has the most features of any other debt consolidation and settlement service that we saw. It includes a free quote, flexible payment schedule, services for secured and unsecured loans, professional advisors, self-help tools, mobile access to their site and budget planners. They also allow you to have a co-signer, which is important for most people who are stuck in debt.

Guarantee: One of the reasons we like National Debt Relief is because of their 100 percent money back guarantee. This apparently is fair game if the service doesnt work for you or if you are not completely satisfied with the service.

Customer Service: The site also has a comprehensive customer service program, including access to a representative by phone, chat, email and social media. Although not always the speediest, the customer service answers to our questions were always helpful and informative. Here is a good comparison between National Debt Relief and our second choice, CuraDebt.

Runner-up: CuraDebt Debt Relief

Price: CuraDebt charges the same amount as National Debt Relief; 20 percent of what you save on the initial debt.

BBB Rating: N/A (Also accredited by both the American Fair Credit Council and the International Association of Professional Debt Arbitrators.)

Features: CuraDebt was founded in 1996, which means it has been in business for more than a decade longer than National Debt Relief. CuraDebt offers most of the same features that National Debt Relief does, including free quote, flexible payment schedule, services for secured and unsecured loans, professional advisors and self-help tools. One of the things that CuraDebt doesnt offer that National Debt Relief does is the option of having a co-signer. They also dont offer mobile access to your account.

Guarantee: CuraDebt doesnt offer a money back guarantee.

Customer Service: CuraDebt only offers phone and email customer service options, which limits your options. It can be difficult to get an answer, but the customer service representatives are usually helpful and friendly.


Debt Settlement


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United Credit Consultants Awarded Gold Stevie® Award In ‘Collaboration …

A credit repair services company, united credit consultants has received Gold Stevie Award in the ‘Collaboration Solutions Category’ at the 9th annual Awards in Las Vegas.

Burnsville, Minnesota (PRWEB) March 31, 2015

United Credit Consultants was honored during awards gala banquet in late February at the Bellagio Hotel in Las Vegas. More than 500 executives from the USA. and several other nations attended. United Credit Consultants was presented with a Gold Stevie award in the ‘Innovation In Sales’ category in the ninth annual Stevie Awards for Sales amp; Customer Service. The Stevie Awards for Sales amp; Customer Service honor organizations of all types and sizes and the people behind them. The Stevies recognize outstanding performances in the workplace worldwide. The Stevie Awards for Sales amp; Customer Service are the world’s top sales awards, business development awards, contact center awards, and customer service awards. The Stevie Awards organizes several of the world’s leading business awards shows including the prestigious American Business Awards and International Business Awards. The awards were presented to honorees during a gala banquet on Friday, February 27 at the Bellagio Hotel in Las Vegas. More than 500 executives from the USA. and several other nations attended.

United Credit Consultants took home a Gold Stevie award in the Collaboration Solutions Category. United Credit Consultants with collaborating credit services, debt settlement solution options and business credit solutions for each customer, helps clients on their Path to Credit Recovery Program(TM) to achieve the goal of home ownership, whether a 1st time home buyer, or have owned homes in their past. The Stevie Award trophy is one of the worlds most coveted prizes. Since 2002 the Gold Stevie Award has been conferred for achievement in business to organizations and individuals in more than 60 nations. In each Stevie Awards competition, the top scoring qualifying entry in each category will receive a Gold Stevie Award. Finalists that receive a final average score of at least 8.0 out of a possible 10 will be designated as Silver Stevie winners. All other Finalists will be designated as Bronze Stevie winners.

More than 1,900 nominations from organizations of all sizes and in virtually every industry were evaluated in this year’s competition, an increase of 27% over 2014. Finalists were determined by the average scores of 139 professionals worldwide, acting as preliminary judges. Entries were considered in 54 categories for customer service and contact center achievements, including Contact Center of the Year, Award for Innovation in Customer Service, and Customer Service Department of the Year; 50 categories for sales and business development achievements, ranging from Senior Sales Executive of the Year to Business Development Achievement of the Year; and categories to recognize new products and services and solution providers. The Business Development categories are new for 2015. More than 100 members of several specialized judging committees determined the Gold, Silver and Bronze Stevie Award placements from among the Finalists during final judging earlier this month.

“Entries to the Stevie Awards for Sales amp; Customer Service awards have more than doubled over the past three years,” said Michael Gallagher, president and founder of the Stevie Awards. “The widespread support of this program illustrates the importance of the functions it recognizes to business success. This year’s Stevie Award winners are the highest rated in the history of the awards, and we congratulate all of the winners on their commitment to excellence and innovation.”

United Credit Consultants is a Credit amp; Debt Service Organization operating in the State of Minnesota licensed by the MN Department of Commerce. Founded in 2009, United Credit Consultants has grown to be one of the most widely recognized and successful credit restoration companies in the nation. In 2014 UCC placed #293 within the INC. 500 | 5000 fastest growing privately held companies in the nation. UCC has a team of hard working and motivated individuals that together provide unique programs amp; services that develop and mold consumer’s credit situations into strong, purchase ready credit profiles. Through UCCs trademarked, Path To Credit Recovery Program that offers a combined effort from both credit and debt related services, UCC is able to offer solutions to consumers regardless of their current credit status.


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Strong performance on Wall Street…Pending home sales up significantly…Oil …

NEW YORK (AP) — Encouraging US economic data and a batch of corporate deals put investors in a buying mood today, sending stocks sharply higher. The broad rally nudged the Dow Jones industrial average back into positive territory for the year after a rough stretch for the market most of last week. The Dow rose 263.65 points, or 1.5 percent, to 17,976.31. The 30-company index was up as much as 295 points. Its now up 0.9 percent for the year. The Standard amp; Poors 500 index rose 25.22 points, or 1.2 percent, to 2,086.24, while the Nasdaq composite gained 56.22 points, or 1.2 percent, to 4,947.44. Both indexes are also up for the year.

WASHINGTON (AP) — More Americans signed contracts to buy homes in February, evidence that the spring buying season could open strong after sluggish sales for much of the winter. The National Association of Realtors says its seasonally adjusted pending home sales index climbed 3.1 percent to 106.9 last month, the highest reading since June 2013.

OMAHA, Neb. (AP) — BNSF railroad has started taking additional safety measures for crude oil shipments because of four recent high-profile derailments in the US and Canada. The railroad says it is slowing down crude oil trains to 35 mph in cities with more than 100,000 people and increasing track inspections near waterways.

ATHENS, Greece (AP) — The prime minister of Greece, Alexis Tsipras, says his country will be unable to repay massive bailout debts without eventually restructuring them. This came as pressure from lenders mounted on Athens to produce viable cost-cutting reforms to unlock emergency funds and prevent default. The prime minister told Greek lawmakers that his two-month-old government hadnt abandoned its pledge to seek a debt settlement and push for more generous deficit targets.

PITTSBURGH (AP) — A Michigan food entrepreneur is trying to convince a federal court jury in Pittsburgh that his Little Dipper condiment package led the HJ Heinz Co. to develop its Dip amp; Squeeze ketchup container. Heinz rolled out the container in February 2010. It has a dipping cup like other fast-food sauces but one narrow end can be torn off so the ketchup can be squeezed onto food.


Debt Settlement


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Get debt consolidation for your unsecured green finance loan

Solar energy is becoming a key requirement to most homeowners. If you intend to sell your home in the future, you will fetch a better value for it if it is green.

There are money saving benefits to experience by turning your home green and the advantages differ depending on the amount of money you inject into the project.

You could pay for your installation in cash or you could take a loan. In fact, loans for green home installations have become quite popular as more and more consumers realize the benefits they will get by turning their homes more environmental friendly.

Loans for solar installation can be either secured or unsecured. Secured loans are a bit risky as they require the use of your home as collateral for the solar installation. This means that should you fail to pay for your solar installation, the lender could seize your home to recover the cost. The advantage of using secured loans is that they attract lower interest.

Unsecured loans are a more preferable choice as they do not risk your home. Below are some characteristics of financing your solar loan with an unsecured loan:

o Your home will not be used as collateral

o If you default, your loan will be forwarded to a collection agency

o You will pay more in the longer term than you will if you took a secured loan

o The loan has higher interest

An unsecured loan is right for you if:

o Your home equity is not sufficient

o Your credit score is good

o You want your loan to be approved fast

Debt consolidation for unsecured loan

The very fact that your loan is unsecured could cause you a lot of trouble in the future if you are unable to keep paying your loan.

o Debt collectors will call you in an effort to recover the loan.

o As well, the creditor could opt to take the matter to court.

o Perhaps even more inconveniencing will be if as part of the loan agreement, the lender seizes your equipment itself. This will mean that you will have no electric power in your home.

Debt consolidation will provide you with a solution should such a scenario arise. Some of the best debt settlement reviews given by customers attest to the fact that debt consolidation does indeed help people deal with their debt problems.

When you visit a debt consolidation company, you will first meet with a credit counselor who will help you structure your repayment plan based on your current income. Your credit score will also undergo analysis to determine your eligibility for a consolidation loan.

If you qualify, all your unsecured loans the lender will be sum up and the debt consolidation company will give you a new loan equivalent to the total of your unsecured loans.

Benefits of debt consolidation

o You will repay the debt consolidation company in smaller monthly installments. This will give you the opportunity to organize your finances.

o You get a loan with lower monthly interest rates.

o Most importantly, you will keep your solar equipment and continue enjoying having a green home.


Debt Settlement


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Duma deputy Ponomaryov denies plans to ask for political asylum in U.S.

Russian State Duma deputy Ilya Ponomaryov, who is suspected by Russian law enforcement agencies of complicity in an attempt to embezzle the Skolkovo innovation funds money, says he is not planning to ask for political asylum abroad.

Colleagues, dont hurry to claim that I am not going to return to Russia. I havent said this to anyone, Ponomaryov, who is currently abroad, said on Facebook.

Definitely, I am not going to make life easier for our Cheka men [security services] and voluntarily put my neck in the noose, but there arent going to be any political asylums or whatever, he said.

Ponomaryov, who is currently staying in the US, said all of his bank accounts and assets in Russia have been frozen, and his wages are being seized toward settling his debts.

The Federal Court Bailiff Service has also frozen all of my accounts and assets. I dont have an apartment where I can come. The rented apartment has been taken away due to my inability to pay for it. I havent received my wages since August. My card has been frozen, and bailiffs are taking my wages from it toward the debts settlement. Therefore, the debt should have been settled in May, Ponomaryov said to the Russian News Service.

He said he wants to come back to Russia.

I will be glad to return, I am a Russian citizen and a Russian lawmaker, I want to be in my country and in my city, Novosibirsk, from where I have been elected, he said.

Meanwhile, the Investigative Committee reported about the new suspected in the so-called Skolkovo case. Alexei Beltyukov, top manager of the Skolkovo foundation, is suspected of abetting the illegal receipt by parliamentarian Ilya Ponomaryov of $450,000, Vladimir Markin, an official with the Investigative Committee, said.

According to the Investigative Committee, the Skolkovo foundation in 2010 signed a contract with Ponomaryov for the fulfillment of research work, which was worth $750,000. Under that contract, Ponomaryov was to do the work in several stages, including make appropriate analytical reports and obtain reviews from international scientific organizations, Markin told Interfax on Thursday

Markin said Beltyukov later signed an additional agreement with Ponomaryov, apparently to prevent supervision of the research work, which reduced the value of the contract and virtually abolished the system of stage-by-stage reports.

Thus, the investigators believe they created conditions for stealing the Skolkovo funds in Ponomaryovs favor. To legalize the payment of the $450,000, Beltyukov made two reports, which he presented as research work and which had absolutely no scientific value and did not meet the requirements of the technical assignment, and included them in the documents on the spending of the funds, Markin said.

He recalled that Beltyukov is currently charged with embezzlement.

Prosecutors ask State Duma to strip MP Ponomaryov of immunity from prosecution over Skolkovo case – sourcegt;gt;gt;


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Consumer Alert: Fake debt resolution companies can just walk away with your …

Postal inspectors say paying down debt can be affordable and most importantly safe, but there are scammers out there looking for easy targets.

The companies, which promise to help consumers avoid bankruptcy by consolidating debt, look tempting. In truth, postal inspectors warn, many of these websites and companies are not only expensive but also engaged in fraud.

[Theyre] not even regulated, they are not even registered with the FTC, they charge fees to customers that they shouldnt have and sometimes they just walk away with your money, said US Postal Inspector Leslie McClain.

The Federal Trade Commission regulates the debt settlement industry.

Experts say added service fees, lack of accountability and high monthly payments are some of the pitfalls of these debt resolution companies. Consumers trying to do the right thing could find themselves in even more trouble if they dont do their research.

They find out that they have spent thousands of dollars and this money hasnt gone towards negotiating anything with the companies, and often times even the operators have walked away with their money, McClain said.

Inspectors say the most important thing anyone with debt can do is meet face to face with someone instead of doing anything online.

Consumers should meet with a certified credit counselor before deciding on an action plan, said McClain. Many of these are non-profit and dont charge a fee. They may suggest bankruptcy, debt settlement or other options.

At that point, consumers will likely learn they have a more control than they think.

If consumers decide to go the debt settlement route, they can contact the companies directly to negotiate the terms or fees or any amount that they feel they have to have lowered, McClain said

If those negotiations dont work, a debt settlement lawyer is another option. That lawyer can be held accountable if he or she fails to legitimately assist debtors.


Debt Settlement


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Debt settlement companies received a ranking criteria overhaul with hopes to help consumers make more informed choices

San Francisco, CA — (ReleaseWire) — 03/31/2015 — (BDC) recently updated the criteria for its debt settlement vertical. This is the first time the criteria has undergone a complete overhaul since its initial launch date in early 2014.

Each of the 40 debt settlement companies were re-scored and re-ranked based on the new criteria created by the BDC review team.

This update was done with the consumers in mind, BDC PR Director Kate Ward said. We wanted to make sure the most current and relevant information was taken into account to help consumers make informed decisions about a confusing industry.

The new criteria consists of the following points:

– Price
– Time in Business
– Set-up (Including free consultations, refund policy)
– Accreditations
– User Reviews
– Expert Score

These new criteria points were created to better rank companies on different industry factors. Each point was researched to clarify their importance for customers and to the industry in general.

When money is involved, especially debt, there is more at stake for potential customers, Ward said. This update of criteria was designed to help potential clients feel at ease about the companies we are recommending.

One of the more substantial criteria updates is in regards to the user reviews. The previous criteria had user scores weighted at 15 percent of the overall score. However, this update pushes the user reviews up to 25 percent.

The BDC review team felt that the customers voice should be heard more regarding this industry. Debt settlement companies provide services to individuals who can be in dark places regarding their finances. The review team wants to allow users to share their experiences and help others who may be in similar situations.

Currently, the top settlement companies on include Freedom Debt Relief, Superior Debt Relief, Pacific Debt Relief, ClearOne Advantage and Accredited Debt Relief. strives to provide customers with unbiased reviews and allows users to have a voice.

For more information regarding the debt settlement criteria update, visit

Media Contact
Kate Ward

For more information on this press release visit:


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Debt negotiation vs. credit counseling: What’s the difference?

By Andrew Housser

Credit cards are part of life for most adults, but for people who fall deeply into debt, credit card bills can be frightening and overwhelming. If your credit cards are maxed out and you can only make minimum payments – or can barely manage that much – you might wonder how you will ever get out of debt. In this situation, it can be appealing to reach out for professional help. But how do you find the best company to assist you?

Two kinds of companies commonly assist individuals and families with getting out of debt. These are debt negotiation companies (also called debt settlement or debt resolution firms) and credit counseling companies (sometimes called debt management companies). The two are quite different. Understanding the differences can help put you on track to getting the help you need.

Debt negotiation/debt settlement

1. How it works: Debt settlement companies work for consumers to lower the principal balances due on existing debts. Debt settlement companies work for consumers to lower the principal balances due on existing debts. Debt settlement is appropriate for consumers who are unable to pay off their existing debts, but are able to put aside a smaller amount of money on a regular basis. These funds are deposited into a dedicated savings account (that the consumer, not the debt settlement company, controls). Meanwhile, the company negotiates with the consumers creditors.

2. Savings: Settlements often can obtain savings of 50 percent of the total debt (before fees). Debt negotiation helps qualified clients who stay with the program fully resolve their debts, typically in two to four years. The advantages are that a consumer makes one single monthly deposit during the length of the program. This amount usually is far less than all minimum monthly payments consumers face before beginning the program.

3. Fees: Individuals pay the debt negotiation company a fee. This is usually a percentage of the debt enrolled in the program, or (very rarely) a percentage of the debt reduced. People pay only after the firm has successfully settled the debt, and after the consumer accepts the settlement. Debt negotiators do not receive “fair share” payments from credit card companies (unlike some credit counseling companies).

4. Settlements: When the debt negotiator reaches an agreement with a creditor, the creditor receives an agreed-upon payment from the funds the consumer has saved. These payments are often spread over time, and the terms usually are much more favorable than debt management program payments (see below). Debt negotiation also does not leave a permanent bankruptcy judgment on the credit profile.

5. Potential risks: Because consumers do not pay creditors while they are accumulating settlement funds, creditors or collectors may contact consumers during the negotiation period. You should expect to receive help with managing creditor calls from the debt negotiation company you work with to handle this situation. Creditors also may take legal action against consumers for unpaid accounts during the program period.

Credit counseling/Debt management

1. How it works: Most people do not understand credit counseling. Credit counseling agencies generally have pre-arranged agreements with credit card companies to lower interest rates on consumers existing debt to a creditor-determined “concession rate” for consumers who enroll in a “debt management program.” Participants pay a monthly fee, usually around $10-$15 per month per debt account enrolled. Many credit counseling agencies also receive compensation with “fair share payments” from credit card companies. This payment structure has the potential to create a conflict of interest for the consumer.

2. Interest rate reduction: A debt management program only reduces the interest rates on a consumers credit card balances. It will not decrease the principal balances due. This often results in monthly payments that are lower than minimum monthly payment obligations. That said, monthly payments in debt management programs are typically much higher than monthly program payments in debt negotiation plans.

3. Length, cost of program: Debt management programs often take up to five years due to the combination of creditor payments and monthly program fees.

4. Impact on credit profile: Credit counseling may have a lesser impact on your credit profile than debt negotiation, because you are still paying bills monthly. However, enrollment in a debt management program can make it more difficult to qualify for a mortgage or vehicle loan while in the program.

5. Credit counseling can work for some people. If you will benefit from a lower interest rate, a good credit counseling program can help. It also can provide budgeting and financial management skills. Credit counseling is best suited for people who are facing a less-severe financial hardship than people who seek debt negotiation help.

If you believe one of these methods might be helpful for you, take the time to research reputable companies in each field. Ask companies you are considering about your situation. Many reputable debt negotiation companies are members of the American Fair Credit Council. The US Federal Trade Commission recommends checking out credit counseling companies with your state Attorney General and local consumer protection agency.


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N.Y. DFS Provides Insight on Key Provisions of Its Debt Collection Regulations

At a recent DBA International Symposium on New York States debt collection rules and regulations, New York Department of Financial Services (DFS) Executive Deputy Superintendent Joy Feigenbaum clarified certain provisions in the new debt collection regulations that had prompted questions from many in the industry. Ms.Feigenbaum also discussed how the DFS regulations, enacted under Title 23 of the New York Codes, Rules, and Regulations, would comport with any similar rulemaking by the Consumer Financial Protection Bureau. A summary of her presentation follows.

Rule 1.2

Rule 1.2 requires the debt collector, within five days of the initial communication concerning the collection of a debt, to disclose that certain types of income are exempt from collection if a money judgment is entered against the consumer. The industry has raised concerns that including this exempt income language on communications to consumers whose debts are barred by the statute of limitations could expose them to liability under the Fair Debt Collection Practices Act (FDCPA).

Specifically, consumer advocates could argue such language constitutes a threat to file a lawsuit on out-of-statute debt, which is an FDCPA violation. Ms. Feigenbaum reaffirmed, however, that this language is required for out-of-statute debt communications. Accordingly, it is prudent for debt collectors to include a disclaimer that makes clear that this language should not be construed as a threat to sue, but rather is required by the State.

Ms. Feigenbaum also discussed the requirement in Rule 1.2 that both the prohibition from engaging in abusive, deceptive, and unfair debt collection efforts and the exempt income language be clear and conspicuous. She emphasized that this language should appear on the first page of the notice, and that placing it on the back with an instruction on the first page urging the consumer to turn the page is insufficient.

Rule 1.4

Rule 1.4, which governs the debt collectors obligation to provide written substantiation of a charged-off debt within 60 days of receiving a request for one, prompted additional concerns from the audience. Ms. Feigenbaum reiterated that the DFS expects debt collectors to issue a satisfaction of the debt to the consumer if written substantiation cannot be provided within the 60-day period. However, the DFS requirement poses a quandary for a third-party collector, which does not have the authority to issue satisfactions for debts owned by the creditor or another holder.

Ms. Feigenbaum also stated that a third-party collector that could not substantiate the debt would not be in compliance with Rule 1.4 by merely closing the account, sending the file back to the creditor, and notifying the consumer of the transfer. The DFS clearly expects debt collectors to obtain the required records to substantiate before attempting to collect on charged-off debt. It is critical that debt collectors have the appropriate policies and procedures to ensure they are confirming receipt of the records needed to substantiate the charged-off debt immediately upon transfer of the debt.

Rule 1.4 also requires the debt collector to retain evidence of the consumers request for substantiation until the debt is discharged, sold, or transferred. Ms. Feigenbaum clarified that in the event of a telephonic request for substantiation, the debt collector does not have to keep an actual recording of the call, so long as the file contains a notation reflecting that the consumer called to request substantiation of the debt.

Rule 1.5

Rule 1.5 requires the debt collector, within five business days of agreeing to a debt payment schedule or other debt settlement agreement, to provide the consumer with a written copy of the schedule and a notice that certain income streams are exempt from collection. Ms. Feigenbaum clarified that this provision not only covers settlements that satisfy the debt, but also includes any payment schedules that partially pay the debt.

CFPB Impact

Finally, Ms. Feigenbaum does not think that any CFPB debt collection rules would be inconsistent with the DFS regulations. Referring to the DFS as a close partner of the CFPB, she indicated that the DFS communicated closely with the CFPB throughout its rulemaking process. As we have written previously, we anticipate that while the CFPB may adopt certain portions of the DFS regulations, it is likely to go even further in other respects.


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BBB Warns of Unsolicited Phone Calls

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BBB Warns of Unsolicited Phone Calls – News |