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CBS News
4 minutes ago
- CBS News
Debt collection calls are skyrocketing. Here's how to handle them.
Dealing with debt can be difficult, but when debt collectors start calling, it can feel overwhelming. New data reveals debt collection calls are surging across the country and in the Delaware Valley. Monica Fisher says the calls started when she could no longer keep up with her monthly credit card payments. "They came pretty frequently," she said. "'I can pay it when I can,' that's what I would tell them and then hang up, just feeling so stressed out, so overwhelmed." The Clifton Heights, Delaware County, teacher and mom of two racked up more than $16,000 in debt on cards carrying 27% annual percentage rates. "I'm getting all the kids' things, clothes, some toys, groceries, for sure," she said. "How easy, just put it on the card." As credit card debt in the U.S. nears a record $1.2 trillion, debt collector calls have more than doubled year-over-year. According to FTC complaint data analyzed by NumberBarn, a phone number management platform, consumers reported more than 112,000 debt collection calls in the first quarter of this year. More than 7,000 of the complaints came from consumers in the tri-state area. Nearly half of reported calls were flagged as being abusive, harassing or threatening, according to the analysis. Thomas Nitzsche, with the nonprofit credit counseling agency Money Management International, says you have rights as a consumer if you start receiving calls from debt collectors. For example, you can request a collector stop calling you at work or during a time that's inconvenient. "Collectors have to operate under the Fair Debt Collection Practices Act, which essentially just means that you can't be called in the middle of the night, they can't just show up at your workplace or in your doorstep, they can't threaten you with jail time," he said. "They can't harass you." Violations of the Fair Debt Collection Practices Act (FDCPA) can result in serious penalties for the collection agency. You can report abusive, threatening, or harassing calls to the FTC at If a debt collector starts calling you, it might make sense to try to deal with it as quickly as possible, but Nitzsche says it's important not to act until you can verify the debt. A debt collector must prove that the debt is yours and that the amount is accurate. Legitimate collectors are required to provide proof in writing if you request it. Never confirm your personal information with a debt collector until you know it's legitimate. Scammers often purchase information about old debt for very cheap and try to use that to collect from consumers who don't know their rights, Nitzsche warns. Confirm the age of the debt. In each state, there is a time limit in which a debt collector can successfully sue to collect debt. It also depends on the type of debt. For most loans, the limit in Pennsylvania is four years, in New Jersey it's six years and in Delaware, it's three years. Determine your best option to pay it off. Working out a settlement to repay some of the debt might be possible. Or you can consider working with a credit counseling agency on a debt management plan. Fisher went the credit counseling route. She says Money Management International consolidated her debt and negotiated her interest rate from nearly 30% down to 10% putting her on track to pay it off within a few years. "There's steps now," she said. "I can see that amount going down, which is definitely a good feeling." The Financial Counseling Association of America, a national association representing financial counseling companies, can help you find a certified credit counselor. You can also seek help through the National Foundation for Credit Counseling, the nation's largest nonprofit financial counseling organization. Do you have a money question, a consumer issue, or a scam story you want to share? Email InYourCorner@
Fox News
4 minutes ago
- Fox News
Boy who lost leg in shark attack shares story of survival, return to the water
Jameson Reeder Jr., 13, shared how he had a portion of his leg amputated after an 8-foot bull shark attacked him in theFlorida Keys in 2022, and how he has since conquered his fears by returning to the reef where the life-altering encounter happened.
Yahoo
31 minutes ago
- Yahoo
Texas judge advances suit against BlackRock, State Street, Vanguard
A Texas federal court has ruled against dismissing a lawsuit that implicates several of the world's leading asset management firms in an alleged scheme to manipulate the coal industry. US District Judge Jeremy Kernodle has determined that most of the claims, which suggest that BlackRock, Vanguard Group, and State Street's asset management branch engaged in anti-competitive behaviour, warrant further examination in court. In the ruling, Kernodle said the states 'have identified enough circumstantial evidence to suggest that defendants agreed to collectively pressure coal companies to reduce the output of coal in the relevant markets and disclose future output information.' The legal action, spearheaded by Attorney General Paxton in November 2024, accused the asset managers of leveraging their substantial holdings to influence coal companies to cut production by 50% by the year 2030, aligning with certain environmental objectives. This purported collusion is said to have artificially constrained supply, driving up electricity costs and resulting in significant profit increases for the investment firms—allegations that the defendants had sought to dismiss. Paxton said: 'BlackRock, State Street, and Vanguard—three of the most powerful financial corporations in the world—created an investment cartel to illegally control national energy markets and squeeze more money out of hardworking Americans. 'Today's victory represents a major step in holding them accountable. I will continue fighting to protect Texas and defend America's energy independence from this unlawful conspiracy.' The Trump administration initiated legal action in May 2025. "Texas judge advances suit against BlackRock, State Street, Vanguard " was originally created and published by Private Banker International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. 擷取數據時發生錯誤 登入存取你的投資組合 擷取數據時發生錯誤 擷取數據時發生錯誤 擷取數據時發生錯誤 擷取數據時發生錯誤
