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Consumer Law Blog

Contact us today!In this blog, we publish articles and stories that we believe you may find useful and pertinent to the areas of debt management, bankruptcy, debt collections, foreclosure, and creditor harassment. If you have any topic suggestions or ideas for articles that you would like to learn more about, please feel free to send us an email at advice@ohiodebthelp.com.

7 Most Common FDCPA Violations by Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) was conceived to protect consumers from abusive, deceptive, or unfair tactics of debt collection agencies. Despite the fact that these agencies must follow federal law, they often neglect to perform within the standards to which the FDCPA holds them. In its recent annual report, the Consumer Financial Protection Bureau (CFPB) stated that “The Bureau received approximately 75,200 complaints about first-party and third-party debt Read More

Payday Loans in Ohio

Payday loans are short term high interest loans for small amounts of money, often ranging from $100-$1000. You’ve probably noticed “payday advance” storefronts in lower-income areas. This is not by accident. It’s an unfortunately effective strategy by payday lenders to take advantage of people more likely to have limited access to other forms of less expensive credit. Here’s their plan. A payday lender targets a lower-income area so that when Read More

10 Times You Can Sue a Debt Collector in Ohio

That sinking feeling in the pit of your stomach that comes with debt collection calls is probably causing you some sleepless nights. You may believe these debt collectors can do whatever they want to do to collect. But that simply isn’t the case. Per the FDCPA, collectors have strict limits under the law. And when they disregard these laws, they could end up on the wrong side of a debt Read More

How to Vacate a Judgment in Ohio

Learning that you have a judgment over a debt is one of the most stressful events that someone can experience. This is especially true if you never knew you were being sued. Now your credit rating is being dragged down and you’re wondering what you can do. The unfortunate reality is that once a judgment is on your credit report, it’s there to stay except in some very narrow circumstances. Read More

What Fees Can a Debt Collector Charge?

People in debt often find themselves in situations where their debt has been sold or charged off to a third-party debt collector. Unfortunately, these people typically see the original amount owed significantly increased after it goes to collections. This is commonly due to interest, fees, and charges, but they are not always valid or handled by reputable collection agencies. You should consult a knowledgable Ohio debt lawyer to determine whether Read More

7 Ways Millennials Can Deal with Debt

If you’re a millennial dealing with debt, you are definitely not alone. The average millennial has some type of debt that prevents them from saving for the future. If you’re in debt, there’s a good chance you’re delaying many important life milestones like getting married or buying a house because you simply can’t afford them. The good news for millennials is there are strategies for dealing with debt to improve Read More

Ohio Consumer Law Attorneys: COVID-19 RoboCalls and Scams

Telephone and email scams increase whenever there’s a significant event that thieves can take advantage of, like hurricanes, floods, and now, a global pandemic. In fact, the Federal Trade Commission documented 18,235 reports of fraud related to COVID-19 between January 1 and April 15. Fraud victims reported losing $13.44 million. Scammers thrive after major events like the COVID-19 outbreak because of the wealth of misinformation online, by word of mouth, Read More

Statutes of Limitations in Ohio Debt Lawsuits

Imagine that years ago you had a trip to an ER in Columbus with a nasty flu. You waited for a couple of hours, were examined, given some fluids through an IV, and ultimately sent home. A month or so later, you got a medical bill for a lot more than you expected because the ER wasn’t in your insurance network. The bill was more than you could pay, so Read More

We’re Monitoring COVID-19 & Here to Help

COVID-19 has impacted the lives of many in Ohio as well as people across the world. As the situation continues to evolve, Luftman, Heck & Associates and our Ohio Consumer Law Attorneys want to reassure our clients and the communities we serve that we are taking this situation seriously, and putting safety measures in place that prioritize the health and well-being of our clients and staff. We also want to Read More