Monday, April 11, 2016

Could id-theft lead to a phony lease used by a house squatter? Idaho judge refuses to evict


Tonight, ABC World News Tonight reported a case where a couple owning a home in Canyon County, Idaho, apparently entered a sale contract and then went away for a while.  When the couple came nack, they found a squatter who produced a “lease” which was obviously fraudulent. Yet, a judge refused to let the couple evict the squatter.

The ABC link was not yet available.

But the University of Massachusetts Law School has a paper by Shannon Dunn McCarthy on the problem of “lifting the heavy burden to evict unwanted company”.  One question seems to be simply home security.  There should have been a security system, or someone trusted should have been checking the property periodically.

Wikipedia attribution link for northern Idaho mountain picture by Charmar, under CCSA 2.0.  My most recent visit to the area was in July 1990.

Wednesday, April 06, 2016

Debt collectors still going after people for non-existing loans


I recently saw a social media posting from a friend (in New York State) saying he was getting calls from a South Carolina collection agency for a bank loan from a bank with whom he had never had an account, and from a retirement financial planning service he had never used.  It was difficult to tell if these were phone calls or emails.  There are details on Yelp.

I often get collection emails from “banks” with who, I have no connection, and mark the emails as spam without opening (probably laced with malware). It is possible, however, that a bank contacting a consumer could have bought another bank with whom the consumer had done business, or could have bought the debt.

Consumers should remember that, by FDCPA, they always have a right to dispute invalid debts from debt collectors after which a collector cannot legally continue contacting them.
 
I wonder about these gray line-of-credit cards I get in the mail, unsolicited.  What if I got contacted for a loan I had never taken out?