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America's Consumer

Credit Expert
Bud's helped millions

with their credit

& financial problems.

 He can help with:

 

  ●    Debt Collectors
  ●    Arbitration Claims
  ●    Alternative to
        Bankruptcy Program

Your most difficult

 financial problems.

 

Expert Assistance

on consumer debt and

related services.

 

Contact Bud for
Consumer Help
Email
 



Dedicated to the

protection of

Consumers through the

Fair Credit Reporting Act


Guilty! Until Proven Innocent  Free Download


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:

 

●  When a Stranger Calls 


●  What a Collector Can and Cannot Do:

         More below...

 

 

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;

  • 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;

  • 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

 

 

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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