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Fair Debt Collection

Abusive debt collection practices have become commonplace in today’s economy.  Numerous studies have identified illegal practices ranging from failing to serve court papers to consumers, to attempting to collect debts that are long past their statute of limitations, to using harassing and threatening methods to collect debts.  Low-income consumers are hit particularly hard by these practices.  Empire Justice Center along with the other members of the New Yorkers for Responsible Lending coalition are utilizing the cases of dozens of clients to chronicle the abuses found state-wide and develop comprehensive protections for low-income consumers. 

 



ARTICLES

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

Junk Justice: A Statistical Analysis of 4,400 Lawsuits Filed by Debt Buyers
This study shows that the judicial system is not working for consumers in debt collection lawsuits. Read More

NYRL Welcomes Proposed Rulemaking to Curb Abusive Debt Collection Practices
On August 21, the NY Department of Financial Services proposed a new rule regulation debt collection in NYS. NYRL will be commenting on this proposal in the future. Read More


Fair Debt Collection: Articles



IN THE NEWS

The Future of Wall Street Regulation Is in Andrew Cuomo's Hands
New York Governor Andrew Cuomo must soon appoint a replacement superintendent for the state Department of Financial Services (DFS), an obscure regulatory position that the current head, Benjamin Lawsky, elevated into a major national player over the past four years. Read More

Conflicting Comments Delay Court's Debt Default Plan (Sign in required)
The courts need additional time to digest more than 300 pages of analysis and criticism of the rules submitted by government officials, bar groups, the consumer finance industry and law firms specializing in debt collection, said office of Court Administration spokesman David Bookstaver. Read More


Fair Debt Collection: In the News



POLICY ADVOCACY

Empire Justice Center Comments to CFPB on High Cost Installment Loans
If there is an unwillingness to ban high-cost payday lending outright on the federal level, then we call on the CFPB to act with great care to ensure that the rules only have the effect of regulating payday lending where it is legal, and not the unintended effect of opening the door to payday ending in states where it is illegal. Read More

Empire Justice Comments on Proposed Reforms Relating to Consumer Credit Collection Cases
Our comments in support of the Unified Court System proposed rules governing consumer credit collection cases and suggesting minor improvements to make them more effective. Read More


Fair Debt Collection: Policy Advocacy




NEWSLETTERS

May 2012 Issue of Policy Matters
As the end of New York’s 2012 legislative session approaches, Empire Justice Center advocates are switching into high gear, working hard to advance legislation that benefits lower income New Yorkers and to halt bills that will harm New York consumers, Medicaid recipients and providers. Read about our priorities for the end of the state legislative session. Read More

Legal Services Journal - Spring 2010 Issue
This issue of the Legal Services Journal contains articles on Consumer and Community Development, Immigration, Public Benefits and Disability Benefits. Read More


Fair Debt Collection: Newsletters




RESOURCES

Top Ten Ways The CFPB Can Help You With Financial Questions
The U.S. PIRG Education Fund has put together this great resource of how the CFPB can help you. It includes information on how to make complaints to the CFPB. Read More

Consumers Can Register Complaints with the CFPB
Any consumer with a complaint involving a mortgage, a student loan, a credit card, a bank account, a car loan, a money transfer or a credit report, can register a complaint with the Consumer Financial Protection Bureau. Debt collection issues and payday loans will be added soon. Read More