| Volume 143 Number 6 |
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The People’s Lawyer’s Tip of the Day
What if you see mistakes on your credit report? Maybe it’s an account that you didn’t open, an error in your name or address, or a bankruptcy that doesn’t really belong to you. Here are tips on fixing your credit, while avoiding scams. Click here for more.
FBI warns that cyber crooks are targeting job applicants’ personal information
The Federal Bureau of Investigation (FBI) is warning job applicants that cyber crooks are running an updated ruse to try and make off with personally identifiable information (PII). The scam is pretty straightforward. Cyber criminals pose as legitimate employers on online job sites, going as far as advertising on those sites, building out a website that smacks of something above board, and actually interviewing applicants. They give the job applicant just enough rope to give a false sense of security. Then, once they think the applicant is in their snare, the crooks go after PII and/or money from the job seeker. Click here for more.
Your Money
For millions of Americans, there is no getting around the need to file an annual tax return. Fortunately, the IRS gives you plenty of time to organize your paperwork and submit your forms. The regular filing deadline is April 15, and those requesting an extension can take up to Oct. 15 to file their forms, although any taxes owed are still due in April. There are several reasons to complete tax returns early rather than waiting until April: Click here for more.
For the Lawyers
Debt collector letter using the terms original and current creditor does not violate FDCPA. The Seventh Circuit found that a letter sent by the debt collector to the debtor listing the "original" and "current" creditors did not violate 15 U.S.C.S. § 1692g(a)(2) of the Fair Debt Collection Practices Act because the letter clearly and unambiguously identified the purchaser of the debt as the "current creditor," § 1692(g)(a)(2) did not require a detailed explanation of the transactions leading to the debt collector's notice, and no evidence of confusion could change the result. Dennis v. Niagara Credit Sols., Inc., (7th Cir. 2019) Click here for more.