Collections Law/Expert Profile


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Expertise

Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.

Experience in the area

I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.

Education/Credentials

Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.

What do you still hope to achieve/learn in this field?

Judges in state courts pay little or no heed to the cries and pleas of defendants demanding justice before the courts even when it should be obvious to the court that the plaintiff is providing false and misleading information to the court.

Something interesting about this subject that others may not know:

Most judges seem to feel that justice is not served if the big bank and debt collector plaintiffs do not get their demands satisfied regardless of how outrageous they may be. This is simply wrong and must change

Something controversial or provocative about this subject

This must change and people must learn to stand up and fight. When and if the day arrives that Americans will stand up and demand honest and fair hearings based on the merits of the case instead of on the pleas of dishonest banks and debt collectors then maybe this situation can be turned around and simple people can get simple justice in our courts.

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Sami11/13/0910101010Thank You so very much!!
Charles11/12/0910101010Thank you but I can't afford the .....
Linda11/10/0910101010The answer was given quickly in a .....
Jacob11/05/0910101010Thank you, Bill, for very helpful insights .....
Drew11/02/091010Good website but this expert wants $400 .....

Recent Answers from Creditwrench

2009-11-18 Response to Interrogatories:

You need to be able to prove when you made your last payment to the creditor,Add 30 days to that and you have the start of the statute of limitations. It runs until they filed the lawsuit against you.

2009-11-16 3 year old debt:

Sorry to hear of your problems. I'm sure you really didn't need this one added on to the rest of them you have however you will have to deal with it one way or another. It really sucks to be in a situation

2009-11-16 Sued by original creditors for credit card debt:

Filing BK is never a good idea. Too expensive and too many problems that can't be resolved by BK. First you need to learn how to respond to those lawsuits even though you probably can't lose because by

2009-11-15 Old .. BofA account that I thought was long gone!:

Six years have gone by since you made your last payment to the creditor? Arizona statute of limitations is 6 years so if it has been more than 6 years since you made your last payment to the original creditor

2009-11-12 civil lawsuit:

How old is the debt? When did you make your last payment to the creditor. That has to be the first thing I need to know. If it was more than 5 years ago then you don't legally owe the debt any more. I

 

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