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Mississippi Attorney General Jim Hood filed a lawsuit against JPMorgan Chase following an 18-month probe of the Credit Card Collection practices. According to a complaint filed in a state court in Hinds County, since at least 2007, JPMorgan Chase relied on “robo-signing” and other discredited practices to pursue consumers for sums they did not owe, already paid, or had excused in bankruptcy.

A woman recently sued Portfolio Recovery Associates for violations of the fair debt collection practices act, violations of the West Virginia Consumer Credit and Protection Act and violations of the Telephone Consumer Protection Act. She alleges that in the past year, PRA has attempted to collect a debt originally owed to Capital One by placing daily calls to both her cellular and residential phones by use of an automated telephone dialing system and/or artificial and prerecorded messages.

MSN got some help from the folks at NACA in writing this. (Thanks to Ira Rheingold and Chi Chi Wu!) Somehow though, it still seems to miss the mark. Their explanations on several are spot on, a few they muddy the water a bit. Here are answers you can take to the bank:

A new study issued the week of February 11, 2013 by the Federal Trade Commission found that one in five consumers had an error on at least one of their three credit reports. Of those that found the error, most changes had negligible results.

Thomas Cox, a retired attorney, literally wrote the book on foreclosures. (It’s called Maine Real Estate Foreclosure Procedures for Lenders and Workout Officers, according to the Times.)

Consumers targeted by Midland didn’t borrow any money from the company. In fact, they may not owe money to anybody.

Hate illegal robocalls? FTC offers $50,000 purse for the best idea to help stop them.

Bankruptcy Attorney E. Kent Winward penned a great article for his local paper. In it, he gives a rough sketch on how a company people may not be familiar with may come to collect on a credit card, and what that can mean for consumers.

A New York judge who oversees up to 100 credit-card cases a day blasted what he refers to as “robo-testimony,” when witnesses representing the collector recite generic statements about a lender’s record-keeping practices and never get into the specifics of the case, let alone actual offer evidence to prove the claim.

Sewer Service is when a process server, (the person hired to give you court papers letting you know of a law suit) fakes the delivery notice and tosses your papers in the sewer. In New York there were several companies hired by Debt Collectors to serve notices of a law suit that were accused of forging signatures proving they delivered the court papers.