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Attention  .  .  .  on December 1, 2015  new bankruptcy forms go into effect.  The changes are extensive but no worries - our bankruptcy software automatically updates all changes in bankruptcy law including the forms.

Some typical unacceptable practices by junk debt buyers include pursuing debts that are not actually owned by the consumer; harassment or verbal abuse; multiple listings of the same debt on credit reports; and attempting to collect a debt that has passed it's statute of limitations.

Most bottom feeders use the practice of "re-aging" debts which means that they report it to credit reporting agencies (Equifax, Trans Union, and Experian) as more recent than it is to ruin your credit.  This practice raises the interest rate you pay on credit cards & the cost of your car insurance.

Never make a "good faith" payment on any zombie debt!  This is an old trick bottom feeders use to trick consumers because it resets the statute of limitations & the 7 year clock.

"Good faith" payments are also a sneaky way bottom feeders gain access to your bank account - so they can garnish it at a later date. 


Adam Jeffrey Katz, P.A.
Andreu & Palma, P.A.
Arrow Financial Services, LLC
Asset Acceptance, LLC
Atlantic Credit & Finance, Inc.
Bray & Lunsford, P.A.
CACV, LLC aka CACH, LLC ("Collect America")
Cavalry Portfolio Services, LLC
David E. Borack, P.A.
Dodge Enterprises, Inc.
Financial Independence Services Corp.
Hayt, Hayt & Landau
Jacobson, Sobo & Moselle
Law Offices of Melissa A. Ferris, P.A.
LVNV Funding, LLC *
Marcadis & Associates, P.A.
Shafritz & Braten, P.A.
Midland Credit Management ("Midland Funding, LLC")
Westport Recovery Corp.
Palisades Collections, LLC
Pollack & Rosen, P.A.
Portfolio Recovery Associates, LLC
Rubin & Debski, P.A.
Law Offices of Harold E. Scherr
Sprechman & Associates, P.A.
NCO Group Inc.**
Unifund CCR Partners, G.P.
Wagner & Hunt, P.A.
Mann Bracken, LLP or Wolpoff & Abramson, LLP
Zakheim & Associates, P.A.

*dba Resurgent Capital Services, LP; Alegis Group LLC;
aka Sherman Financial Group LLC; Pinnacle Financial Group

**aka NCO Financial Systems Inc; NCO Medclr;
NCO Portfolio Management Inc. etc. etc. etc.




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