• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.


What is overbiffing and where does the term come from? Overbiffing is the practice of a creditor overstating the amount a debtor owes on their bill. The term overbiffing comes from the creditor over stating a debtors BIF or “balance in full”. The fraudulent practice of overbiffing has become so rampant in the collections industry complaints are beginning to pour into the Federal Trade Commission.

Can Pay Thousands More Then Owed

Some creditors have even conned debtors into paying hundreds or thousands of dollars more than what was actually owed. Some debt collectors have gone so far as to claim the debtor has committed a crime and they were scheduled to be arrested, or served with a lawsuit. When the debtor panics and becomes frightened by this news, they usually agree to pay the amount in order to remedy the situation and prevent any legal action.

Ask For a Written Statement

So, what can you do if you feel you have been a victim of overbiffing?
You have the right to request the creditor provide you a written statement of the amount owed. Request that it is broken down to show your original debt and any interest and fees accrued. Compare the written statement to what is on your credit report. Are the numbers matching up?

If you believe a creditor is inflating your balance owed to fraudulently collect more than is due, you can file a complaint with the FTC or the state Attorney General’s Office.

If you are being hounded by debt collectors contact your Stockton Bankruptcy Attorney for relief.

Categorized in: