September 1, 2014 | Updated 3:00am

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Sunday, April 27, 2014, 3:00am

Consumer Debt

Rethinking Third-Party Collection

A New Approach to Rebuilding Family Wealth


Consumers whose past-due debts are sold by banks to third-party debt collectors enter what can be a Twilight Zone of collection efforts, often founded on poorly-documented or dubious claims of indebtedness. When they seek help to pay acknowledged, legitimate debts or to challenge erroneous claims, such as those due to identity theft, they may instead fall into the hands of opportunistic “credit repair” enterprises which take their money and offer little or no service in return.

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