• Consumer Protection Law and Advocacy — Chicago, IL

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Debt Collector Calls - Bardo Law PC

Beware of Phantom Debt Collectors

Phantom debt collectors — they’re scam artists who make up debts to gain access to your bank account information.  They’ll call often, and may even tell you that someone is trying to serve you with court papers.  They may call from what appears to be a local number so you are more likely to pick…

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Robocalls Continue To Harass Consumers

Robocalls continue at record rates. Between January and August of this year alone, the Federal Trade Commission received over 3.5 million consumer complaints about these disruptive (and often, deceptive) calls.  This is more than the 3.4 million complaints registered for all of 2016. Robocalls impact everyone, even those registered for the Do Not Call list.…

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Stopping Debt Collector Harassment

Debt collector harassment – through collection calls and letters – comes with increasing frequency the moment you stop making payments. Federal law empowers you with certain rights – but you need to know how to use those rights. Ask yourself the following questions: Who is calling or sending you letters? Why did you stop making…

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Another Scandal Over Excessive And Unnecessary Fees

Another grave scandal over excessive and unnecessary fees has erupted.  Wells Fargo now admits it wrongly charged auto insurance to its loan customers and at extremely high rates.  As reported last week in the New York Times: More than 800,000 people who took out car loans from Wells Fargo were charged for auto insurance they did…

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Fair Credit Reporting & Consumer Law - Bardo Law PC

Credit Reporting Agencies — Beyond the “Big 3”

Credit reporting agencies go beyond the “Big 3” — Equifax, Experian, and TransUnion. In fact, dozens of other companies also prepare consumer reports. These companies furnish information about your credit worthiness to landlords, employers, and banks. Known as “specialty” consumer reporting companies, they collect and furnish information relating to: Your bank accounts (including bounced checks…

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