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FTC Files Complaint Against Several Companies Involved in “Accelerated Debt”; Alleges FCRA Violations and Other Violations
By The Kim Law Firm, LLC Recently, federal regulators obtained an emergency injunction to stop a so-called “accelerated debt” company
The Federal Government Has Resumed Collection Efforts on Delinquent Student Loans (Make Sure Your Credit Report is Accurate)
By The Kim Law Firm, LLC In April, the United States Department of Education (DOE) announced its intent to begin
The Top 10 Rights You Have Under the Fair Credit Reporting Act (FCRA)
By The Kim Law Firm, LLC In short: the Fair Credit Reporting Act (FCRA) gives you ten core rights over
Willful Violation of the FCRA: What it is, Why it Matters, and What Damages are Available
By The Kim Law Firm, LLC If a credit bureau or furnisher has refused to correct an error on your
Did a Debt Collector Put Something Inaccurate on Your Credit Report? A Comprehensive Guide to Your Rights Under the FCRA
By The Kim Law Firm, LLC Your credit report matters. Even a small mistake can harm your score and cost
Can You Sue a Mortgage Company for a FCRA Violation?
By The Kim Law Firm, LLC The Fair Credit Reporting Act (FCRA) protects consumers against inaccurate information on their credit
Fourth Circuit Issues Key Decision in FCRA Case
By The Kim Law Firm, LLC On March 14th, 2025, the United States Court of Appeals for the Fourth Circuit
With Pandemic Era Student Loan Protections Fading, Borrowers Should Know their Rights Under the FCRA
By The Kim Law Firm, LLC In February of 2025, Forbes reported that many student loan borrowers from all across
Were You the Victim of Identity Theft? The FCRA is a Powerful Tool to Clear Your Good Name
By The Kim Law Firm, LLC Unfortunately, identity theft is a severe problem. The AARP cites a study estimating that
The FCRA and Employer Background Checks: Know Your Rights
By The Kim Law Firm, LLC Many employers conduct background checks of job applicants. The Professional Background Screening Association (PBSA)
Is Your Credit Report Accurate? Look for These Six Common Types of Errors
By The Kim Law Firm, LLC The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection,
CFPB Files Lawsuit Against Experian for “Sham” Investigation Into Credit Report Errors
By The Kim Law Firm, LLC On January 7th, 2025, the Consumer Financial Protection Bureau (CFPB) announced a lawsuit against
Can You Sue a Debt Collection Agency for Violating Your Rights Under the FCRA?
By The Kim Law Firm, LLC Yes — and this is the heart of our practice. If you want the
Four Steps to Take to Fix Errors on Your Credit Report
By The Kim Law Firm, LLC Your credit report matters. It can affect your ability to secure loans, obtain favorable
Auto Loan Errors on Your Credit Report: What to Do When Big Lenders Make a Mistake
By The Kim Law Firm, LLC Your credit report plays a crucial role in determining your financial health, influencing everything
How to Deal With Debt Collector Harassment
By The Kim Law Firm, LLC These days, it seems like our phones are constantly ringing—and it’s not our family
Credit Scores: What Are They and Where Do They Come From?
By The Kim Law Firm, LLC You may have read (or watched) The Lord of the Rings. If so, then
When a Background Check Reports a Criminal Record That Isn’t Yours
By The Kim Law Firm, LLC Background checks are a routine part of an employer’s hiring decision. Background checks can
LVNV’s Collection Attempt on a Time Barred Debt was a Violation of the FDCPA.
By The Kim Law Firm, LLC A “time barred debt” is a debt that was not paid which a creditor
How Long Does a Collection Account Stay on a Credit Report?
By The Kim Law Firm, LLC Short answer: A collection account can stay on your credit report for seven years
Debt Buyers Who Outsource Debt Collection Activities Cannot Sidestep the FDCPA
By The Kim Law Firm, LLC The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive
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