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EVERY DAY
we receive
hundreds of E-mails
and
 phone calls from people dealing with
Debt Collectors for the first time. Many of
the letters are heart-breaking: Bank accounts
are emptied without permission, judgments
granted on debts that are not really yours; jobs are
placed at risk by collectors contacting the
employer; neighbors harassed for personal
information in an effort to shame you into coming up
with money. Each story is different and has
its own sad ending.
NEVER NEVER NEVER!
So, if you're a first time
visitor, just doing research or hoping for help,
take a moment to get educated, by reading these short links:
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Under Provisions of Federal Law,
The
Fair Debt Collection Practices Act
It
is Illegal for Debt Collectors
to:
-
Imply that failure to pay the
debt could result in arrest,
imprisonment, or garnishment of
wages;
-
Call consumers at work when
they knew the consumers' employers
prohibited such calls;
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Talk with third parties,
including neighbors, children, and
employers, for purposes other than
acquiring location information about
consumers, without consumers'
consent;
-
Cause the telephone to ring,
or engage a person in telephone
conversations, repeatedly or
continuously, with the intent to
annoy, abuse, or harass a consumer;
-
Threaten to take action -- such as
filing a lawsuit -- when they did
not intend to do so;
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Call consumers at times or
places that they knew or should have
known were inconvenient;
-
Fail to notify consumers of
their right to dispute and obtain
verification of their debts, and to
obtain the name of the original
creditor
-
Continue to try to collect
debts after consumers disputed them
in writing, and before verifying the
debts.
-
Use obscene or profane
language
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Finally, the realities
of a judgment:
●
THINKING OF TAKING A JUDGMENT - DON'T DO IT!
What
Happens at Each Stage of a Debt? Follow the
●
Debt Collection Flow Chart
●
Statute
of
Limitations for your State
●
Cease Communication Letter
Everyday, hundreds of consumers ask our
opinion of Credit Counseling,
●
Debt
Solution, Debt Management Operations.
Click Here
This takes longer,
but to learn in detail about the
Scam of
Arbitration, visit
www.arbitrationjustice.com
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