The federal law governing collection agencies is the Fair Debt Collection Practices Act. (FDCPA). This law was designed to protect you from illegal debt collection practices.  Debt collectors, especially junk debt buyers, those who purchase portfolio’s for pennies, then come after consumers have been known to file thousands of cases in courts using bogus affidavits and pleadings. NEVER assume that just because a Junk Debt Buyer sues you that you will lose. Most courts have rules about the types of documents that can be filed and they can be challenged if you know how to raise such issues. The rate of default judgments in America is astonishing because many consumers are not aware of their rights. You can change that by using your rights and the legal system to challenge these bogus filings and the phony documents used by junk debt buyers. It costs a lot less to retain an attorney and defeat a junk debt buyer than paying off a judgment or having your bank account and wages garnished on an account that you may not legally owe. Fight back by contacting us for assistance, we can refer you to a local consumer law professional who may be able to defeat these bottom feeder scavengers and protect your money.

AVOID THESE!
Debt Collection Agencies, Debt Buyers, & Collector- Attorney - Law Offices!

The debt collectors, bottom feeders, scavengers and junk debt collectors found on this list may have purchased your account for a few pennies on the dollar. The law holds that they must be able to provide legal validation if you are sued. When you don’t show up in court, or fail to respond to a summons you give them FREE money in the form of a default judgment. It is my opinion, based on thousands of cases that the vast majority of these junk debt collectors NEVER have the legal documents that meet most court requirements. That fact will only help you if you challenge them and the papers they use to file court cases. If you are contacted by anyone on this list, get in touch with me for advice and referral to a local consumer law professional who may be able to assist you in beating these bogus claims and saving you a LOT of money.

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

ATTENTION CONSUMERS!

If you are CONTACTED by a Debt Collector:

NEVER give them your banking or credit card information. They will take much more than you authorize.

NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.

NEVER send them money via Western Union.

REMEMBER:  Debt Collectors have NO power and NO authority and should NEVER be trusted.  They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.

BEWARE: Paying a debt collector will NOT get an account removed from your credit.  They do NOT have that ability.

RECORD conversations with debt collectors (where legal) so they can be held accountable for breaking the law.  Is taping legal in your state:   Can We Tape

Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees.       Visit:  Your Local State Bar

Is the debt still within your state’s statute for collection? Statute of Limitations  

Need Legal Assistance?  If you require the assistance of a consumer law professional, Bud recommends you visit:  http://www.naca.net  The National Association of Consumer Advocates. (Tell them Bud Hibbs sent you )