So Who Can You Sue and What Can You Sue For?

Who
Creditors if they report your credit history inaccurately Creditors if they pull your credit file )ithout permissi(le purpose Credit (ureaus if they refuse to correct information after (ein' pro#ided proof

Why
Defamation, financial injury

Precedent/La w
US Court of Appeals, Ninth Circuit, No. 0015 !", Nelson #s. Chase $anhattan +C,A Section "0! -A.-/. +C,A Section "1/ CUS2$AN, #. 3,ANS UN*4N C4,54,A3*4N US Court of Appeals for the 3hird Circuit Court Case 115 +./d 110 6une , 1 7, +iled -D.C. No. 5-c#017!/..

Fine
%&tent of dama'es incurred (y the )ron'ed party as deemed (y the courts 01500

*njury to your credit report and credit score Defamation, )illful injury

%&tent of dama'es incurred (y the )ron'ed party, as deemed (y the courts

Credit (ureaus if they reinsert a remo#ed item from your credit report )ithout notifyin' you in )ritin' )ithin 5 (usiness days. Credit (ureaus if they fail to respond to your )ritten disputes )ithin /0 days -a 15 day e&tension may (e 'ranted if they recei#e information from the creditor )ithin the first /0 days. Creditors or collection a'encies, and

Consumer protection afforded (y the +C,A

01500 +C,A S%C3*4N "11 5art -A.-5.-8.-ii.

Consumer protection afforded (y the +C,A

01500 +C,A Section "11 5art -A.-1.

Consumer protection afforded (y the +C,A

01000 +C,A

credit (ureaus if they try and 9,ea'e: your account (y updatin' the date of last acti#ity on your credit report in the hopes of ;eepin' ne'ati#e information on your account lon'er Collection a'encies if they do not #alidate your de(t yet continue to pursue collection acti#ity -file for jud'ments, call or )rite you. Collection a'encies if you ha#e sent them a cease and desist letter and they still call you Collection a'encies if they ha#e not #alidated your de(t and they still continue to report to the credit (ureaus

Section "05 -c. ,unnin' of the reportin' period

Consumer protection afforded (y the +DC5A

01000 +DC5A Section <0 -(., +3C opinion letter Cass from LeFevre -See Appendi& 8.. 01000 +DC5A Section <05 -c.

Consumer protection afforded (y the +DC5A

Consumer protection afforded (y the +DC5A

Section <0 -(., +3C opinion letter Cass from LeFevre -See Appendi & 8.. +DC5A Section <0<

01000

Collection a'encies if they= -4 Cash a postdated chec; (efore the date on the chec; -5 Cost you money (y ma;in' you accept collect calls or C4D mail -6 3a;e or threaten to ta;e any personal property )ithout a jud'ment Calls you after < 5$ at ni'ht or

Consumer protection afforded (y the +DC5A

01000

Consumer protection afforded

+DC5A Section <05. -a.

01000

(efore A$ (y the +DC5A -1. Calls you at your Consumer +DC5A 01000 place of protection afforded Section <05. -a. employment if the (y the +DC5A -/. de(t collector ;no)s or has reason to ;no) that your employer prohi(its the consumer from recei#in' such communication. Calls any third Consumer +DC5A 01000 part a(out your protection afforded Section <05. -(. de(t li;e friends, (y the +DC5A nei'h(ors, relati#es, etc. 2o)e#er they can contact your attorney, a consumer reportin' a'ency, the creditor, the attorney of the creditor, or the attorney of the de(t collector. 3he collection Consumer +DC5A 01000 a'ency can not protection afforded Section <0" use any ;ind of (y the +DC5A harassment or a(use>> Collector cannot Consumer +DC5A 01000 claim to 'arnish protection afforded Section <07 your )a'es, sei?e (y the +DC5A property or ha#e you arrested >>> Collector must Consumer +DC5A 01000 you in a county in protection afforded Section <11 -a. )hich you li#ed (y the +DC5A -1. Also a 'ood )hen you si'ned 'rounds for the ori'inal 'ettin' a contract for the jud'ment de(t or )here you #acated li#e at the time )hen they file the la)suit >> -1. 3he use or threat of use of #iolence or other criminal means to harm the physical person, reputation, or property of any person. -1. 3he use of o(scene or profane lan'ua'e or lan'ua'e the natural conse@uence of )hich is to a(use the hearer or reader. -/. 3he pu(lication of a list of consumers )ho alle'edly refuse to pay de(ts, e&cept to a consumer reportin' -!. 3he ad#ertisement for sale of any de(t to coerce payment of the de(t. -5. Causin' a telephone to rin' or en'a'in' any person in telephone con#ersation repeatedly or continuously )ith intent to annoy,

a(use, or harass any person at the called num(er. -". 5lacement of telephone calls )ithout meanin'ful disclosure of the callerAs identity. >>>*f the collection a'ency 'et a jud'ment a'ainst you, then they )ill (e a(le to 'arnish your )a'es and sei?e property, (ut until that time, no.