Davis Consumer Law Firm

05/10/2021

An estimated 68 million American adults currently have debts in collection with household debt reaching dizzying highs amidst the COVID-19 pandemic. Debt collection abuse tactics like threats, harassment, deceptive letters, and more have long been a leading source of consumer complaints at two federal agencies. Now is the time to enact the strong protections in the Comprehensive Debt Collection Improvement Act, H.R. 2547.

This legislation would update existing debt collection laws and create new protections including:

- Increasing damages available to harmed consumers under the Fair Debt Collection Practices Act for the first time in over four decades
- Requiring debt collectors to get permission before sending consumers emails and text messages
- Banning debt collectors from threatening servicemembers with reductions in rank or revocation of security clearance
- Banning collection of medical debt for the first two years
- Discharging private student debt in cases of total and permanent disability

Tell your member of Congress to get on board!:

Thank you for your interest in advocating for debt collection reform. Fill out the form below to send a message to your members of Congress asking them to support the Comprehensive Debt Collection Improvement Act, H.R. 2547.

04/10/2020

Beware, folks....

As Americans wait to get their hands on their stimulus checks, scammers are trying just about everything to get a piece of the action.

12/02/2019

As we are in the midst of the heavy holiday shopping season, consumers should be aware that some of the most popular gifts of the season are subject to forced arbitration clauses, including Nintendo games, Hot Wheels cars and virtually every cell phone on the market. That means if something should go wrong with one of these gifts or if there is a disagreement with the manufacturer, consumers "cannot have their day in court." Instead, they must go through a potentially time-consuming, costly and daunting arbitration process.

I feel it’s my duty to warn Colorado’s holiday shoppers of the dangers you probably have no idea come with many of those gifts — forced arbitration policies.

11/11/2019

A veteran is someone who, at one point in his/her life wrote a blank check made payable to 'The United States of America' for an amount of 'up to and including my life.' That is Honor.

To our men and women in uniform, past, present, and future, God bless you and thank you for your service.

02/12/2019

Last year, new consumer protections for servicemembers and veterans were signed into law. The new federal law, which went into effect on September 21, 2018, requires free security freezes and one year fraud alerts at the three nationwide credit reporting agencies, The law also addresses a number of key financial issues for the military including: mortgage protections, free credit monitoring, and medical debt credit reporting restrictions which go into effect in May 2019.

Information for servicemembers about new laws on VA refinances, medical debt, credit monitoring, foreclosure protection, and when they go into effect.

10/04/2018

Ever feel like throwing your phone out the window? Consumers are receiving more robocalls than ever, a majority of them being scams. Here's how to protect yourself: https://www.consumer.ftc.gov/articles/0548-blocking-unwanted-calls

Here are a few options for blocking robocalls and other unwanted calls.

02/14/2018

Road salt. It's great for melting ice, and awful for just about everything else, including your vehicle. Pennsylvania, New Jersey, New York and Maryland are a few of the states known as being part of the "salt belt states."

Car problem resources: pro-consumer organizations, direct links and phone numbers for manufacturer helplines for help with car issues, and other helpful car problem & car complaint resources.

01/12/2018

As a new tax season is looming upon us, some taxpayers are still feeling the weight from years past. The IRS has hired private debt collectors to collect back taxes from those who owe, but, is it paying off for the IRS or more for the debt collectors? Consumer advocates are also reminding those who are targets to beware of scammers posing as debt collectors.

For the third time in recent years, Congress has required the IRS to turn some back taxes over to private firms for collections. An oversight report shows the agency has spent three times more on the program than the firms are collecting and remitting to the Treasury.

01/03/2018

Unfortunately, there is no "buyer's remorse statute" in Pennsylvania when it comes to purchasing a used car. However, the law does allow for the return of the vehicle under certain circumstances; if the car salesperson you worked with did not keep promises or you suspect fraud, you might have a case.