🥃No garnish. No fluff. Just the facts.
Looking for the clean pour on complex laws? Straight Up gives you crystal-clear breakdowns of your rights under the TCPA, FDCPA, FCRA, Lemon Law, and more. Pure knowledge, 100 proof.
The Age of the Algorithm
Data-Driven Pricing Tests the Boundaries of Consumer Law
11/13/25 - In the law century, consumer law developed around a simple premise: a price is a price. You see it, you accept it, or you don’t.
But in today’s digital marketplace, that premise is eroding. The price you see online may no longer be the price I see — and neither of us may ever know why.
Welcome to the age of algorithmic pricing, where artificial intelligence and data analytics have replaced traditional price tags with a calculus of prediction, perception, and power.
A New Kind of Asymmetry
Consumers have always faced an information gap: sellers know more about their products than buyers do. Algorithmic pricing expands that gap exponentially.
When a retailer knows not just what you’re buying but who you are — your income bracket, zip code, browsing history, or even what device you’re using — pricing becomes not a neutral reflection of value but a personalized negotiation you didn’t know you were having.
This isn’t science fiction. Travel sites, rideshare platforms, and online marketplaces already use dynamic and personalized pricing models that adjust in real time. Some of these are benign efficiencies. Others, however, verge on what economists call “surveillance pricing”: prices optimized against the consumer’s own data profile.
For consumer lawyers, the implications are profound. It’s no longer just about whether a product was defective or a warranty breached — but whether the price itself was unfairly extracted through opaque data practices.
The Legal System Catches Up — Slowly
The law, as always, lags behind innovation.
Federal statutes like the FTC Act and Sherman Act were not written with algorithms in mind. Yet regulators are starting to use them as frameworks for the new digital economy. The Federal Trade Commission has signaled that algorithmic or data-driven pricing may constitute an unfair or deceptive practice when consumers aren’t told that their personal data determines price.
On the antitrust side, the Department of Justice is testing whether “algorithmic collusion” — the use of shared or coordinated pricing software — can amount to per se price-fixing even without an explicit agreement. The RealPage litigation in the rental-housing sector is an early harbinger of what’s coming: the idea that machines can collude, and their human operators can be held liable.
Meanwhile, states are leading the charge.
- New York’s Algorithmic Pricing Disclosure Act (effective late 2025) requires a conspicuous notice whenever a price is set “by an algorithm using your personal data.”
- California’s AB 325 amends the state’s Cartwright Act to outlaw “common pricing algorithms” that use competitors’ data.
This state-by-state patchwork resembles the early days of privacy law. A national framework seems inevitable — but not imminent.
The Ethical Dimension: Fairness in the Invisible
Algorithmic pricing challenges not only the legality of commerce but its morality. If two people buy the same refrigerator, but one pays 12 percent more because an algorithm inferred higher disposable income, has anyone committed fraud? Maybe not in the traditional sense. Yet the outcome feels wrong in a way that consumer protection law was built to address.
Historically, consumer law targeted deception and coercion. Algorithmic pricing introduces a third category: opacity. The consumer cannot consent to a transaction whose terms they cannot perceive. That’s why transparency is emerging as the new fairness frontier.
New York’s disclosure requirement — “THIS PRICE WAS SET BY AN ALGORITHM USING YOUR PERSONAL DATA” — may sound clunky, but it articulates a principle long missing in digital commerce: the right to know when you are being profiled and priced accordingly.
Where the Law May Go Next
Looking ahead, several paths are taking shape:
- Transparency mandates will likely spread. Consumers will gain the right to know whether personal data informs the price they pay.
- Prohibitions on algorithmic collusion will tighten, especially in industries like real estate, insurance, and online retail where shared pricing software has already drawn scrutiny.
- Discrimination analysis will enter the pricing arena. Regulators may assess whether algorithmic systems create disparate impacts on protected groups, even unintentionally.
- Federal harmonization could arrive in the form of a comprehensive “Algorithmic Commerce Act” — consolidating consumer protection, antitrust, and data-privacy principles into a single framework.
If these trends continue, algorithmic pricing could become to the 2020s what subprime lending was to the 2000s: a technological innovation that outpaced ethical and legal oversight, only to trigger a regulatory reckoning.
The Role of the Consumer-Rights Bar
For consumer attorneys, algorithmic pricing represents both a challenge and an opportunity. It demands fluency not just in statutes but in systems — in how data flows, how algorithms train, how firms implement pricing software.
We can no longer afford to treat pricing as a background fact. The price is the product. Understanding its origins, its logic, and its fairness is now part of protecting the consumer.
In practice, that means asking new questions:
- Was this price individualized?
- Was personal data used?
- Did the business disclose its pricing mechanism?
- Do similarly situated consumers pay different rates?
The answers may open new avenues for claims under unfair trade practices acts, antitrust statutes, and privacy laws.
Conclusion: Reclaiming the Concept of a Fair Price
For centuries, contract law presumed a meeting of the minds. Algorithmic pricing calls that assumption into question. When the “mind” setting the price belongs to an opaque machine trained on proprietary data, the notion of genuine consent becomes tenuous.
In this environment, the mission of consumer law — ensuring fairness, transparency, and accountability — takes on renewed urgency. The challenge for lawyers, regulators, and policymakers is to ensure that algorithms serve markets rather than manipulate them.
We can embrace technology without surrendering equity. But doing so will require vigilance — and perhaps a new legal imagination.
Know Your Credit Rights—Before It’s Too Late! 🕵️♂️
Take Control of Your Financial Life
10/31/25 - Your credit report tells the story of your financial life — but what if that story isn’t true? For millions of Americans, credit report errors can mean the difference between getting approved for a home loan, buying a car, or even landing a new job. The good news? You have powerful rights under the Fair Credit Reporting Act (FCRA) that can help you take control of your credit history and protect your financial reputation. Let’s break down what those rights mean, what to watch out for, and how you can act before it’s too late.
What Is the Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act (FCRA) is a federal law passed to ensure fairness, accuracy, and privacy in the information used by credit reporting agencies. It governs how credit bureaus like Experian, Equifax, and TransUnion collect, share, and report your financial data. In simple terms: the FCRA gives you the power to make sure what’s on your credit report is true, complete, and up-to-date. Here’s what the law guarantees:
- ✅ The Right to Access Your Credit Reports:
You’re entitled to one free credit report per year from each of the three major bureaus through AnnualCreditReport.com. - ✅ The Right to Dispute Errors:
If you spot something wrong — like a late payment that isn’t yours or a debt you never owed — you can challenge it. The credit bureau must investigate your dispute, typically within 30 days. - ✅ The Right to Be Notified:
If a company denies you credit, employment, or insurance because of your report, they must tell you and provide a copy of the report used. - ✅ The Right to Privacy:
Only authorized entities (like lenders, employers with consent, or landlords) can access your report. - ✅ The Right to Seek Compensation:
If a credit bureau or lender violates your FCRA rights — by failing to correct errors or misusing your data — you may be entitled to damages.
Why FCRA Rights Matter More Than Ever
Inaccurate credit reporting is one of the top consumer complaints received by the Federal Trade Commission every year. With so much of our financial data now handled electronically, mistakes are not just possible — they’re common.
Think of it like this: A single wrong number or outdated account can sink your credit score by 100 points or more. That could mean higher interest rates, denied applications, or lost financial opportunities. Many people don’t even realize their report contains errors until it’s too late. In one real-world case, a PA woman discovered a collection account that wasn’t hers dragging down her score. When she disputed it, the credit bureau ignored her — until she sought legal help. After filing an FCRA claim, not only was the error removed, but she also received compensation for the harm caused to her credit reputation. These stories aren’t rare — they’re reminders that vigilance pays off.
How to Check and Challenge Errors on Your Credit Report
If you’ve never reviewed your credit report, don’t wait.
Here’s how to get started:
- Request Your Reports:
Visit AnnualCreditReport.com to get your free reports from Experian, Equifax, and TransUnion.
(Tip: You can pull one every four months from a different bureau to monitor year-round.) - Review for Common Errors: Look for: Accounts you don’t recognize
- Incorrect payment history
- Wrong balances or limits
- Outdated personal information
- Duplicate listings of the same debt
- Dispute in Writing:
Send a detailed letter to the credit bureau describing the error and include copies of supporting documents (never originals). Keep copies of everything you send. - Follow Up:
The bureau must investigate within 30 days and respond in writing. If they fail to fix verified errors, they may be in violation of the FCRA — and you can take legal action.
What to Do If the Credit Bureau Doesn’t Fix the Error
If you’ve disputed a credit error and it wasn’t corrected, don’t stop there. You have legal options. Under the FCRA, consumers can:
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Contact a consumer protection attorney who handles FCRA violations
- Seek compensation for financial and emotional harm caused by inaccurate reporting
Consumers who win FCRA cases may recover:
- Actual damages (for financial loss or emotional distress)
- Statutory damages (up to $1,000 per violation)
- Attorney’s fees and court costs
Why Acting Now Matters
Credit mistakes don’t fix themselves — and the longer they sit on your report, the more damage they can do. Errors can affect your ability to:
- Buy or refinance a home
- Lease a car
- Secure employment
- Obtain insurance
- Even rent an apartment
Every day you wait is a day those inaccuracies could cost you real money.
Take Control of Your Credit Story
Your credit report is more than just numbers — it’s your financial reputation. And like any reputation, it deserves to be accurate and fair. If you’ve spotted an error, or if you believe your FCRA rights have been violated, don’t navigate the process alone. The law gives you power — but you may need an advocate to help you use it effectively. At Ginsburg Law Group, we help everyday consumers stand up to credit reporting agencies and debt collectors who break the rules. We’ve seen how a single mistake can snowball into years of damage — and how the right action can turn it all around.
Ready to Rewrite Your Credit Story?
👉 Visit www.ginsburglawgroup.com to learn how to dispute errors, understand your rights, and hold credit bureaus accountable.
Your credit is your story. Let’s make sure it’s told truthfully.
💬 “They Bought Your Old Debt — Now They’re Calling Again?
What the McKinley v. LVNV Funding Case Means for Florida Consumers
10/20/25- When a company you’ve never heard of suddenly demands payment on an old debt, what can you do? A new lawsuit in Tampa, McKinley v. LVNV, shows that you have more power than you think — and that even large national debt-buyers must follow the same consumer-protection rules as everyone else.
📖 A Florida Consumer Stands Up to a National Debt Buyer
When debt collectors won’t stop calling, you may feel like you have no options.
But one recent case in Tampa — McKinley v. LVNV Funding, LLC (M.D. Fla., Case No. 8:25-cv-2852, filed October 20 2025) — shows that ordinary consumers can and do fight back. The plaintiff, McKinley, has filed suit against LVNV Funding, one of the nation’s largest debt-buying companies, for alleged violations of the Fair Debt Collection Practices Act (FDCPA). At issue: whether LVNV’s collection and reporting practices crossed the line into harassment or misinformation. Even though the dollar amounts in this type of case are often small, the stakes for consumers are enormous. Each lawsuit helps keep powerful debt buyers accountable — and reminds everyday people that the law is on their side.
⚖️ Who Is LVNV Funding — and Why Are They Being Sued So Often?
LVNV Funding, part of the Sherman Financial Group, doesn’t issue loans or credit cards. Instead, it buys old or “charged-off” debts from banks, credit-card companies, and finance lenders — often for pennies on the dollar.
Once they own the account, they hire collection agencies or law firms to demand payment, sometimes years after the original default. Over the past decade, LVNV has been sued thousands of times across the country for:
- Trying to collect on time-barred (too-old) debts;
- Reporting incorrect balances on credit reports;
- Failing to verify debts after consumers dispute them; and
- Filing lawsuits without proof of ownership or documentation.
The McKinley case is part of that broader pattern — one that Florida consumers should pay attention to.
🏛️ Why This Case Matters in Florida
FL s a hotspot for debt-collection litigation. Consumers here frequently face calls or lawsuits from out-of-state companies that purchased debts for pennies but try to collect the full amount — sometimes with added interest & fees.
Florida law offers two layers of protection:
- The federal FDCPA, which prohibits harassment, misrepresentation, and unfair collection tactics; and
- The state-level Florida Consumer Collection Practices Act (FCCPA), which adds penalties for threats, profanity, or communication with third parties.
If McKinley’s case proceeds, it could strengthen how courts interpret these laws side-by-side — reinforcing consumers’ ability to challenge collectors who don’t play fair.
📞 What the FDCPA Says — and How It Protects You
The FDCPA (15 U.S.C. § 1692) is a federal law that regulates what collectors can and cannot do. Here’s what every consumer should know:
Collectors may NOT:
- Call before 8 a.m. or after 9 p.m.;
- Call repeatedly to harass or annoy;
- Threaten arrest, wage garnishment, or lawsuits they can’t legally pursue;
- Misstate the amount owed;
- Contact you at work after you tell them not to; or
- Keep contacting you after you send a written “cease and desist” notice.
You CAN:
- Demand written verification of the debt within 30 days of first contact;
- Dispute the debt with the collector and the credit bureaus; Document all calls, letters, and emails;
- File complaints with the CFPB, FTC, or your state attorney general; and
- Hire a consumer-law attorney — with no out-of-pocket cost to you.
Under the FDCPA, successful consumers can recover up to $1,000 in statutory damages, plus actual damages for stress or credit harm, and attorney’s fees.
🔎 What to Do If a Company Like LVNV Calls You
- Stay calm. Don’t admit liability or make any payment until you have documentation.
- Ask for proof. Send a written request for debt validation within 30 days.
- Check your credit reports. Look for duplicate or inaccurate listings.
- Don’t ignore court papers. If you’re sued, respond immediately — you have defense.
- Talk to a consumer attorney. We can stop illegal calls, dispute inaccurate reporting, and help you recover damages.
💬 The Bigger Picture
Cases like McKinley v. LVNV Funding remind us that debt collection has limits.
Even large corporations must follow the same consumer-protection rules as everyone else. And when they don’t — consumers have the right to push back.
We’ve seen too many people harassed or intimidated by companies that rely on fear and misinformation. You don’t have to face them alone.
🧭 Bottom Line
If you’re being contacted about an old or unfamiliar debt — pause before you pay. You have rights under federal and Florida law, and you may even be entitled to compensation if a collector breaks those rules.
📞 Need Help?
If a debt collector has been harassing you, misrepresenting a balance, or reporting false information, contact Ginsburg Law Group for a free consultation. We help consumers across Florida protect their credit, stop collection abuse, and hold debt-buyers accountable.
📱 Call: (855) 978-6564
🌐 Visit: www.ginsburglawgroup.com
Can You Wipe Out Student Loans in Bankruptcy?
New Rules Make It Easier
New Rules Make It Easier
New Rules Make It Easier
10/03/25- For years, people struggling with student loan debt were told one thing: “You can’t get rid of it in bankruptcy.” That’s no longer the whole story. In 2022, the Biden administration and the Department of Justice (DOJ) rolled out new rules that give borrowers a fairer shot at discharging federal student loans in bankruptcy.
Here’s what you need to know.
What Changed?
New Rules Make It Easier
New Rules Make It Easier
Before, borrowers had to prove “undue hardship” in court—a very tough standard that most people couldn’t meet. On top of that, the government almost always fought against discharge.
Now, the process is clearer and fairer:
- New Attestation Form – Borrowers fill out a standardized form that explains their income, expenses, and why repayment isn’t realistic.
- Less Opposition from the Government – If you meet the criteria, the DOJ may agree not to fight your case, making it much easier to get relief.
- Applies to Federal Loans Only – Private loans are not included in these changes.
How the Process Works
New Rules Make It Easier
How the Process Works
- File for Bankruptcy – Usually Chapter 7 or Chapter 13.
- Start an Adversary Proceeding – This is a special lawsuit within your bankruptcy asking the court to discharge your student loans.
- Complete the Attestation Form – This gives the DOJ and the court a clear picture of your finances.
- Review by DOJ – The government reviews your case and decides whether to oppose your request.
- Court Decision – The judge makes the final call, but if the DOJ doesn’t object, your chances of success are much higher.
What You Need to Show
What You Need to Show
How the Process Works
To qualify, you’ll need to prove three main things:
- You can’t afford payments now – Making payments would prevent you from maintaining a minimal standard of living.
- Your hardship is likely to continue – For example, because of a disability, limited job opportunities, or other long-term struggles.
- You’ve tried in good faith – You don’t need to have made every payment, but you should show you made some effort, like applying for income-based repayment or making partial payments when possible.
Why This Matters
What You Need to Show
Why This Matters
- More Predictable – Instead of a legal guessing game, there’s now a clearer standard.
- Less Intimidating – If you qualify, the government may step aside rather than fight you in court
- Not Automatic – You still have to go through bankruptcy, and private loans are not covered.
Bottom Line
What You Need to Show
Why This Matters
Bankruptcy is never an easy decision, but for borrowers drowning in student loan debt, these new rules may finally offer a path to relief.
If you’re struggling, talk to a bankruptcy or consumer protection attorney who understands the new rules. You may have options that didn’t exist just a few years ago.
homeowners: Changes Coming to Bankruptcy Rule 3002.1
8/14/25 - If you’re in a Chapter 13 bankruptcy and your mortgage is part of the repayment plan, some important rule changes are coming on December 1, 2025. These updates aim to make things clearer and help avoid last-minute surprises when your case wraps up.
Here are the five biggest changes in plain language:
1. More Mortgages Will Be Covered
Before, the rule applied only if you were making ongoing monthly payments through your plan. Now, it covers any payment arrangement on your mortgage in Chapter 13—even if:
- You plan to pay the loan in full during the case, or
- You have a reverse mortgage.
Why this matters: More lenders will now have to give you formal notices of changes in your payment or fees.
2. Simpler Notices for HELOCs
If you have a HELOC, your payment can change often. Instead of sending you a notice for every small change, your lender can now:
- Send one notice per year, unless your payment changes by more than $10.
- Include a “catch-up” amount in the first payment after that notice if you overpaid or underpaid during the year.
Why this matters: Fewer confusing notices and a yearly “true-up” to keep your payments accurate.
3. Clear Rules for Late Notices
If your lender doesn’t give you enough notice about a payment change:
- If the payment goes up, the increase won’t start until at least 21 days after the notice is sent.
- If the payment goes down, you get the lower payment right away.
Why this matters: You won’t be caught off guard by sudden, retroactive increases.
4. Mid-Case Check-In Option
You or the trustee can now ask the court at any point during the case to confirm the status of your mortgage—how much you owe and whether you’re current.
- If there’s a disagreement, the court will hold a hearing to decide.
Why this matters: You can catch mistakes early, instead of finding out about them at the very end.
5. Clear End-of-Case Statements
When your case ends, the trustee must file a special notice showing:
- How much was paid to bring your loan current.
- Whether all defaults were cured.
- Your lender must respond within 28 days, and disputes can be resolved by the court.
Why this matters: You get written confirmation of your mortgage status when you finish Chapter 13.
Bottom Line
These changes give homeowners more clarity and protection during bankruptcy. You’ll get fewer unnecessary notices, clearer timelines for payment changes, and better ways to confirm your loan status before your case closes.
If you’re in Chapter 13 now—or may be filing soon—talk to your attorney about how these rules could affect your payments and what you should watch for starting December 1, 2025.
🥃 Straight Up: THE Crystal-Clear Breakdown of Your RIGHTS
No legalese. No garnish. Just the facts—served neat.
In this edition of Straight Up, we’re giving you the essentials on the four consumer protection laws that pack the biggest punch behind the bar: Lemon Law, TCPA, FDCPA, and FCRA. If you own a car, get spammed by robocalls, have a credit report, or have ever dodged a shady debt collector—this is for you.
🍋 Lemon Law – When Your Ride is a Wreck
🍋 Lemon Law – When Your Ride is a Wreck
🍋 Lemon Law – When Your Ride is a Wreck
What It Does:
The Lemon Law protects consumers who’ve bought or leased a vehicle that just won’t stop breaking down. If the dealer or manufacturer can’t fix it after a reasonable number of attempts, they owe you a refund or replacement.
The Straight-Up Rules:
- Applies to new (and sometimes used) vehicles under warranty
- Must give the dealer a reasonable number of repair attempts
- Also applies if the car’s in the shop for 30+ days total
- Time limits vary by state—act fast
Your Power Move:
Document everything. Keep service receipts, complaints, texts—anything that proves the car’s more sour than sweet.
📵 TCPA – Stop the Robocalls
🍋 Lemon Law – When Your Ride is a Wreck
🍋 Lemon Law – When Your Ride is a Wreck
What It Does:
The Telephone Consumer Protection Act (TCPA) keeps telemarketers, spam texters, and robocallers in check.
The Straight-Up Rules:
- No marketing calls or texts without your express written consent
- You can revoke consent at any time (even by texting “STOP”)
- Robocalls to your cell phone? Illegal unless you agreed to it
- Violations can mean $500–$1,500 per call or text
Your Power Move:
Save the texts. Screenshot the call logs. If they didn’t have your permission, that’s more than annoying—it’s a lawsuit waiting to happen.
📞 FDCPA – Shut Down Shady Debt Collectors
What It Does:
The Fair Debt Collection Practices Act (FDCPA) protects you from harassment, lies, threats, and games from third-party debt collectors.
The Straight-Up Rules:
- No calls before 8am or after 9pm
- They can’t call your job if you tell them not to
- They can’t threaten arrest, lawsuit, or public shame
Your Power Move:
Send a written cease & desist letter and keep copies. If they violate the law after that, you’re in the driver’s seat.
🧾 FCRA – Fix That Funky Credit Report
What It Does:
The Fair Credit Reporting Act (FCRA) gives you the right to accurate, timely, and fair credit reporting—and the ability to dispute errors.
The Straight-Up Rules:
- You’re entitled to 1 free credit report per year from each bureau
- If there’s an error, you can dispute it in writing
- Agencies must investigate within 30 days
- False reporting can mean damages—and legal consequences
Your Power Move:
If they blow off your dispute or don’t fix confirmed errors, it’s time to serve justice with a side of enforcement.
Shady Debt Collectors & How to Shut Them Down
Know Your Rights
07/23/25 - Debt collectors are legally allowed to ask you for money—but they’re not allowed to harass, threaten, or lie to you. Unfortunately, some bottom-shelf collectors don’t follow the rules and hope you don’t know yours.
So pull up a stool. This round’s on us: we’re serving up the most common shady debt collection tactics—and how to stop them.
🥃 Straight Up: What the Law Says
The Fair Debt Collection Practices Act (FDCPA) protects you from debt collection abuse, deception, and unfair practices. It only applies to third-party debt collectors (not original creditors), but it has serious bite.
Violations can mean $1,000 in statutory damages, plus compensation for emotional distress, and even legal fees.
🚫 Dirty Tricks to Watch For
Here are some of the most common dirty tricks by collectors:
❌ Calling at Odd Hours - Collectors can’t call before 8 a.m. or after 9 p.m. (your local time).
❌ Harassment or Threat - Cursing, repeated calls, threats of jail or violence?
❌ Lying About Who They Are - Collectors can’t pretend to be lawyers, law enforcement, or government officials. They also can’t falsely threaten lawsuits, bank levies, or wage garnishment.
❌ Talking to Others About Your Debt - They can contact your spouse or attorney—but not your boss, your neighbor, or your ex (unless to find your contact info—and even then, only once).
❌ Trying to Collect Zombie Debt - If a debt is past the statute of limitations (varies by state), a collector can’t sue you for it. But they can try to trick you into restarting the clock with a small payment or acknowledgment.
How to Shut Them Down
Here’s how to turn off the tap when shady collectors start pouring:
🍸 1. Ask for a Debt Validation Letter - Within 5 days of contacting you, a collector must send a written notice with: the amount owed, the creditor's name, and your right to dispute the debt. You have 30 days to request validation in writing. If they can’t verify the debt? They must stop.
🍸 2. Send a Cease and Desist Letter - Want them to stop calling altogether? Send a written “cease communication” request. After that, they can only contact you once more—to confirm they’re stopping or to notify of legal action.
🍸 3. Document Everything - Keep a call log. Save voicemails, texts, and letters. Screenshots too. If things go sideways, you’ll have receipts.
🍸 4. Report Them - You can file complaints with: The Consumer Financial Protection Bureau (CFPB), Your state Attorney General’s office, and/or The Federal Trade Commission (FTC).
Re: Cease and Desist Request under the Fair Debt Collection Practices Act
To Whom It May Concern:
This letter is a formal notice pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692c(c). I am requesting that you cease all communication with me concerning any alleged debt you claim I owe.
Please be advised that under the FDCPA, once you receive this written notice, you may only contact me to (1) confirm that no further contact will be made or (2) notify me of specific legal action you intend to take. Any further attempts to contact me beyond these exceptions will constitute a violation of federal law.
This letter is not an acknowledgment of the validity of the alleged debt. If you have not yet provided written validation of the debt as required under 15 U.S.C. § 1692g, I also request that you do so before taking any further action.
Thank you for your attention to this matter.
Final Sip
Not all collectors are crooked—but the shady ones count on your silence. Knowing your rights under the FDCPA is like walking into the bar with your own bouncer.
💬 Think you’ve been harassed by a debt collector? Pull up a stool at our Ask the Bartender column and share your story—or contact a licensed attorney for personal legal advice.