I'm a Consumer Lawyer and I'm having an AMA on Reddit!
- Subhan Tariq, Esq
- Aug 5, 2019
- 1 min read
On Monday, August 5, 2019, I'll be having an Ask Me Anything on Reddit! Come ask your debt collection questions!
I sue debt collectors, the credit reporting agencies, and banks when they violate the law. Most people don't realize they have rights when they are receiving calls or letters from debt collectors.
I am New York Attorney Subhan Tariq. I defend debt collection lawsuits when they are seeking to collect debts not owed, sue debt collectors when they call you endlessly, and when they violate your privacy by speaking to third-parties in their debt collection efforts. Here's a link to my website - https://www.tariqlaw.com/blog/how-do-i-stop-creditors-from-calling-me.
There's a LOT of bad information on the internet about debt, credit, bankruptcy, and financial management. I deal with this stuff every day.
The Consumer Financial Protection Bureau (CFPB) has proposed a rule governing third-party debt collectors. The proposal adds some consumer protections but also weakens the Fair Debt Collection Practices Act (FDCPA) by undermining its goals of stopping harassment, protecting consumer privacy, and preventing collection against the wrong person or in the wrong amount. Public comments are due September 18, 2019.
DISCLAIMER: THIS IS NOT LEGAL ADVICE. THIS IS FOR INFORMATIONAL PURPOSES ONLY. NO ATTORNEY-CLIENT RELATIONSHIP IS CONFERRED BY THIS AMA.
You advised a Reddit user that “An item can only stay on your credit report for 7 years from the date of last payment.”.
That is is not true. The 7-year reporting period is based upon the date of first delinquency reported by the original creditor. See 15 U.S.C. 1681c(c).