Blog de The Prado Law Firm

Orientación práctica sobre el acoso de cobradores, las llamadas automáticas y sus derechos de crédito.

FDCPA17 de septiembre de 20262 min de lectura

Being Contacted by Kriya Capital, LLC? Know Your Rights

Kriya Capital, LLC appears in federal consumer complaint data as one of the more heavily complained-about debt collectors in the country — yet, unusually for a company at that complaint volume, it keeps a very low public profile. Here’s what to know if you’ve been contacted in its name.

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FDCPA9 de septiembre de 20263 min de lectura

Being Contacted by I.C. System? Know Your Rights

I.C. System, Inc. is a large, Minnesota-based third-party debt collector that works primarily in healthcare and telecom collections — and one that has faced a federal class action over the clarity of its collection letters. Here’s what to know if it’s contacting you.

FDCPA8 de septiembre de 20263 min de lectura

Being Contacted by Credit Collection Services (CCS)? Know Your Rights

If a call or letter references Credit Collection Services, CCS Financial Services, or simply “CCS Offices” on your caller ID, you’re dealing with one of the higher-volume third-party debt collectors tracked in federal complaint data. Here’s what to know.

FDCPA3 de septiembre de 20263 min de lectura

Being Contacted by Portfolio Recovery Associates? Know Your Rights

Portfolio Recovery Associates, LLC (“PRA”) is one of the largest debt buyers in the country and a company the CFPB has publicly labeled a “repeat offender.” If PRA is calling or writing to you, here’s what you should know before you respond.

Data Privacy & Security Compliance2 de septiembre de 20268 min de lectura

"Move Fast and Break Things" Does Not Work When the Thing You Break Is Patient Privacy

Typing a patient's record or a physician's prescribing data into a consumer AI tool is a disclosure to a third party, and usually a breach of confidentiality. HIPAA presumes a breach unless the vendor has signed a business associate agreement, and prescriber data is locked down by license terms and the AMA's opt-out program even though HIPAA does not cover it. Most healthcare workers are already using personal AI accounts at work.

FDCPA1 de septiembre de 20263 min de lectura

Being Contacted by Jefferson Capital Systems (CL Holdings)? Know Your Rights

If you’ve received a call or letter from Jefferson Capital Systems, LLC, you’re not alone — it’s one of the most complained-about debt collectors in the country according to federal complaint data. Here’s who they are, how to confirm you’re really dealing with them, and what protections you have.

Data Privacy & Security Compliance31 de agosto de 20265 min de lectura

California Changed the Rules on Protected Health Information. Here Is What It Means for You.

If your medical information was caught up in a data breach, California courts used to ask a question that was almost impossible to answer: can you prove a hacker actually looked at your records? For most people, the answer was no, and their cases were dismissed before they ever got started. In May 2026, the California Supreme Court threw that requirement out. The decision, J.M. v. Illuminate Education, Inc., is the most consequential ruling on protected health information (PHI) in years, and industries from hospitals to ed-tech companies are still adjusting to it.

FDCPA31 de agosto de 20263 min de lectura

Being Contacted by Midland Credit Management? Know Your Rights

Midland Credit Management, Inc. (“MCM”) is one of the largest and most complained-about debt collectors in the United States — and one with a documented history of federal enforcement action. If MCM or its affiliate Midland Funding, LLC is contacting you, here’s what to know.

Data Privacy & Security Compliance28 de agosto de 20268 min de lectura

The $1.55M Mistake Healthcare Marketers Are Making Outside HIPAA

There is a category of company that has spent a decade believing it sits in a regulatory quiet zone. It handles health-adjacent data every day but is not a hospital, not a health plan, not a business associate. It runs HCP engagement programs, pharmaceutical brand media, condition-education publishing, patient-finder campaigns, and the advertising technology that measures all of it. Its privacy program, if it has one, was built around a single question: are we a HIPAA covered entity? The answer was no, and the analysis stopped.

FDCPA28 de agosto de 20264 min de lectura

Being Contacted by Resurgent Capital Services or LVNV Funding? Know Your Rights

Debt collection calls or letters referencing LVNV Funding, LLC or Resurgent Capital Services, L.P. are among the most common a consumer can receive — and among the most complained-about, according to federal data. If you’re hearing from either name, here’s what you need to know before you respond.

Data Privacy & Security Compliance27 de agosto de 20262 min de lectura

Legal Theories Win Cases. Operations Win the Ones That Never Get Filed.

I spent four years as plaintiffs' counsel building TCPA, FCRA, and FDCPA cases. Today I sit on the other side twice over: as a General Counsel writing compliance playbooks, and as counsel to marketing companies reaching patients and healthcare providers through the very channels I used to build cases around.

TCPA30 de julio de 20261 min de lectura

¿Cuánto puede recuperar por robollamadas y textos ilegales?

La ley TCPA establece daños de $500 por cada llamada o texto ilegal — hasta $1,500 si la violación fue intencional. Así funciona la ley.

FDCPA30 de julio de 20261 min de lectura

What To Do When a Debt Collector Calls You at Work

Georgia consumers have the right to stop collection calls at work. Here is how the FDCPA protects you.

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