Supreme Court to decide on case involving FDCPA

By Marrero, Chamizo, Marcer Law, LP,

Florida residents may have heard about a Supreme Court case regarding bankruptcy and the Fair Debt Collection Practices Act. The question before the court is whether a proof of claim filed in bankruptcy court violates that act if a debt buyer or collector knows that the statute of limitations has expired. It is standard practice…

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Debt collection companies routinely ignore regulations

By Marrero, Chamizo, Marcer Law, LP,

Debt collection companies in Florida are part of a $13.7 billion industry, but the regulations put into place to protect consumers from abuse and harassment are often ignored according to a report released on Jan. 12 by the Consumer Financial Protection Bureau. The federal agency sent surveys to 10,800 American consumers in 2014 and 2015,…

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How to eliminate revolving debt

By Marrero, Chamizo, Marcer Law, LP,

Residents of Florida who have credit card debt are not alone: 38 percent of American households carry credit card debt from month to month. Letting credit debt roll over instead of paying it off each month is called revolving the debt. Experts suggest ways that someone with revolving debt can work towards being a transactor,…

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Social media and divorces in Florida

By Marrero, Chamizo, Marcer Law, LP,

Just as social media is becoming a larger part of people’s lives, it is also starting to affect the way that divorces are handled. Communications on the Internet, including emails, text messages and posts on social media sites like Facebook and Twitter, can be used as evidence during a divorce. Even if an individual has…

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