Category Archives: FDCPA

Clouded Titles Author Dave Krieger and Richard DiMaggio, Esq. to Guest on The Power Hour!


Clouded Titles author Dave Krieger and retired (but still licensed) attorney Richard L. DiMaggio, J.D., author of Collection Agency Harassment: What the Debt Collector Doesn’t Want You To Know, will be guests on The Power Hour this morning (Feb. 27th, 2017) from 9 a.m. – 10:00 a.m. CST.  The easiest way to listen live is to go to and click on The Power Hour’s broadcast button.  Dave discusses his new book FDCPA, Debt Collection and Foreclosures: An in-depth analysis of the paradigm shift in debt collection and foreclosure defense litigation strategies, along with a new, upcoming link on the Clouded Titles website!  The state of the union is still screwed up, despite Congress’s attempt to pass a new Glass-Steagall Act!

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Filed under Breaking News, Debt Collection and Foreclosures, FDCPA, FDCPA Education




Texas-based GC Services Limited Partnership (Houston) got a Valentine’s Day card it really didn’t want from the FTC!

The Federal Trade Commission has announced that GC Services entered into a Stipulated Order for Permanent Injunction and Civil Penalty of $700,000 (see above link for Judgment) in using unlawful tactics to collect on federal student loans and other debts.

According to the complaint, filed by the U.S. Department of Justice on behalf of the FTC in the District Court for the Southern District of Texas, agents working for GC Services left messages that illegally disclosed purported debts to individuals other than the debtors without permission to do so and contacted consumers multiple times despite being told they had the wrong number or that the person answering did not owe the debt.

You can’t lie to regulators either …

GC Services was also alleged to have falsely reported to federal regulators that it would take steps to stop such practices. It appears the injunction was necessary to stop such behaviors.  Violation of the injunction, which could be easily monitored, would put GC Services back in the hot seat.

This is one of the biggest fines levied against a debt collector in recent times for debt collection issues involving federally-guaranteed student loans.  Unfortunately, based on research, GC Services is not the only company out there conducting similar illicit practices.  It also helps when the CFPB and the FTC are made aware of illegal debt collection calls, because the FTC has explicit enforcement rights under the FDCPA, which it exercised in this case.


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Filed under Breaking News, FDCPA, Debt Collection and Foreclosures

Coming Soon to the Clouded Titles Website …


In keeping with the tradition of educational information, the Clouded Titles website will soon feature a monthly newsletter called, “THE RICH REPORT”, a monthly in-depth analysis designed and delivered by retired attorney Richard L. DiMaggio, J.D., who will cover pertinent, on-going cases involving FDCPA, debt collection issues, FCRA, credit report issues, TILA, RESPA, identity theft, mortgage fraud and other important financial news affecting homeowners, borrowers and debtors alike.

The monthly service will be subscription-based and will bring you the hottest news, information and legal analysis of consumer-oriented issues by one of the top FDCPA attorneys in the country.  Richard L. DiMaggio, J.D. wrote the book, “Collection Agency Harassment: What the Debt Collector Doesn’t Want You to Know”.  THE RICH REPORT will be delivered right to your email inbox every month in pdf format for easy reading.  THE RICH REPORT is a great supplement for anyone reading FORECLOSURE, DEBT COLLECTION AND FORECLOSURES, by Dave Krieger, available on the Clouded Titles Website NOW (and also through The Power Mall on The Power Hour!)

Mr. DiMaggio will be joining me on The Power Hour, with Joyce Riley, at 9:00 a.m. Central Standard Time on Monday, February 27, 2017 to discuss FDCPA and debt collection issues.  Needless to say, this will be a powerful broadcast!  Put it on your calendar and plan on tuning in live.  Joyce Riley will also be taking telephone calls related to the subject matter, so if you’ve got anything to add, please feel free to chime in.  She’ll give the number out on the show!




Filed under Breaking News, Debt Collection and Foreclosures, FCRA Education, FDCPA, FDCPA Education, Financial Education