Maginnis Howard Obtains Settlement from Seterus Inc.

In December of 2020, Maginnis Howard agreed to the $7 million settlement from Seterus Inc. regarding unlawful debt collection practices. This week, homeowners signed off on the deal. Thousands of homeowners received threatening “final notice” letters from Seterus Inc between September 2012 and February 2019. Collectors, in order to expedite loan repayment, pressured homeowners who […]

Laws Protecting Consumers from Scams

The laws protecting consumers have never been more important than in this past year. Many people are facing financial turmoil and are behind on numerous payments. That means the door for debt collectors to prey on consumers. Creditors and debt collectors are stepping up their efforts to collect on what they say is owed. Unfortunately, […]

New Office Location

Maginnis Howard is excited to announce that our firm is moving from our office location on Glenwood Avenue in Raleigh to a new office building on Six Forks Road in Raleigh.  The new building will be easily accessible from both 540 and 440 (directions below). This new building is approximately 12 minutes from our former […]

Fair Debt Collection Practices Act FAQs

What Does the FDCPA Stand For? The FDCPA stands for the Fair Debt Collection Practices Act. What Does the FDCPA Do? The Fair Debt Collection Practices Act protects consumers from illegal, unfair and deceptive debt collection attempts. What Counts as an FDCPA Violation? There are a number of things that can violate the FDCPA. A […]

Collecting Debt Discharged in Bankruptcy

The Fair Debt Collection Practices Act (FDCPA) protects consumers from creditors collecting debt after having obtained a bankruptcy discharge. While commonly known for preventing certain types of collection methods, the legislation is instrumental in cases of Chapter 7 bankruptcy. Federal courts found that attempting to collect after a bankruptcy discharge is a false representation about the […]

Common Illegal Debt Collection Tactics

It’s easy to feel powerless in the face of collection activity. Confusing letters, intimidating voicemails and seemingly complicated legal notices might lead you to pay whatever is being asked of you or cause you to ignore the matter altogether. However, debt collectors aren’t as untouchable as they may seem—you have rights and they have certain […]

FDCPA Violation Attorneys in N.C.

North Carolina law has included a state debt collection law that are similarly stringent to the federal FDCPA. Both laws are in place to protect you against debt collection abuse by allowing consumers to sue and to obtain actual or statutory damages. The North Carolina law allows consumers to recover damages between $400 and $4,000, […]

Collection Calls After a Bankruptcy Discharge

Filing a Chapter 7 petition for bankruptcy can be a difficult experience. However, there remains a huge benefit for you that offsets the frustration, embarrassment, and emotional strain of bankruptcy called a “discharge”. Also known as a “fresh start”, bankruptcy discharge means creditors can no longer harass you with collection letters, phone calls, credit reports, […]