2013년 11월 27일 수요일

About 'debt collector harassment'|You Can Stop Debt Collector Harassment







About 'debt collector harassment'|You Can Stop Debt Collector Harassment








Debt               collectors               are               notorious               for               some               of               their               sneaky               tactics               used               to               collect               debts               from               customers.

Many               debts               are               time-barred,               discharged               in               bankruptcy               or               invalid               for               other               reasons,               and               those               debt               collectors               have               no               actual               right               to               ask               you               for               your               money.

Many               debt               collectors               use               unfair               practices               in               an               attempt               to               collect               a               debt.

Debt               collectors               often               make               empty               threats               about               debts               they               cannot               actually               force               you               to               pay.

Debt               collectors               call               at               all               hours               to               harass               alleged               debtors               and               sometimes               harass               people               about               debts               that               they               do               not               even               owe.
               By               law,               debt               collectors               cannot               harass               you               or               threaten               to               sue               or               ruin               your               credit.
               Upon               your               request,               debt               collectors               must               provide               you               with               written               details               about               the               bill,               additional               charges,               and               the               business               that               sent               the               bill               to               collections.
               Debt               collectors               are               more               than               willing               to               push               the               legal               envelope               because               experience               shows               that               many               people               will               pay               at               least               a               portion               of               what               they               owe               if               someone               harasses               them               enough               and               scare               them               into               submission.
               Collectors               are               just               trying               to               make               their               money               since               most               are               paid               by               commission               or               bonus.

One               of               the               main               reasons               debt               collectors               are               so               darn               persistent               and               aggressive               at               times               is               money.

Commissions               for               debt               collectors               are               based               on               what               they               do               each               month,               you               may               want               to               try               negotiating               near               the               end               of               the               month               for               valid               debt               collections.
               NEVER               do               'checks               by               phone'               as               debt               collectors               could               empty               your               bank               account,               because               you               have               gave               them               permission               to               get               into               your               bank               account.
               Every               day,               millions               of               Americans               receive               intimidating               phone               calls.

Federal               laws               give               you               rights               that               protect               you               from               such               calls.

They               cannot               call               you               before               8am               or               after               9pm,               or               call               you               at               work               in               most               states               if               they               know               that               call               can               get               you               fired.
               They               cannot               harass               you,               but               calling               repeatedly,               dominate,               or               abuse               you.

Bill               collectors               may               not               lie               to               you               or               falsely               imply               that               you               have               committed               a               crime.

Lastly,               they               cannot               conceal               his               or               her               identity               on               the               phone               with               you
               Fighting               Back
               When               you               want               to               stop               calls               from               debt               collectors,               it               must               be               communicated               to               them               in               writing,               so               send               a               simple               Cease               and               Desist               Letter               asking               them               to               stop.
               You               should               gather               and               organize               all               the               information               you               can               about               the               debt,               as               well               as               the               collection               efforts               of               any               past               or               current               collectors               who               contacted               you.

File               all               collection               letters               and               keep               detailed               notes               of               collection               calls               in               a               notebook.

If               they               disregard               a               written               request               from               you               to               cease               further               contact,               make               sure               you               write               it               in               your               notebook.
               Contact               your               lawyer,               who               is               better               equipped               to               handle               these               debt               collectors.
               Some               material               for               this               article               was               found               at               this               web               site.






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