레이블이 Credit Card Debt Settlement인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Credit Card Debt Settlement인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 26일 화요일

About 'settling debt'|The Iraqi Central Bank: file of Iraq's debts will be settled completely as soon as possible







About 'settling debt'|The Iraqi Central Bank: file of Iraq's debts will be settled completely as soon as possible








Imagine               settling               a               debt               with               an               original               creditor               only               to               have               it               come               back               two               years               later               as               a               debt               that               is               $2,000               more               than               you               ever               owed.

This               sounds               like               something               that               should               never               happen,               right?

Unfortunately,               it               does               happen.

Unscrupulous               debt               collection               agencies               will               buy               debts               that               you               don't               even               owe               and               try               to               collect               on               them.

Two               years               ago,               I               had               a               lemon               of               a               car.

I               had               to               keep               taking               it               in               for               service               as               it               was               constantly               overheating               and               having               other               engine               problems.

I               was               still               paying               for               this               car,               but               had               it               very               nearly               paid               off.

I               missed               one               payment               because               I               had               been               unable               to               get               to               work               in               order               to               make               the               payments               and               the               car               was               repossessed.

Normally,               a               car               would               be               sold               at               auction               and               I               would               have               to               pay               the               remaining               balance,               but               instead               the               company               sent               me               a               certified               letter               stating               that               with               me               returning               the               car,               they               were               considering               my               account               paid               in               full,               and               the               debt               forgiven.

I               thought               that               was               the               end               of               it.
               Fast               forward               2               years.

I'm               on               vacation               with               my               new               husband               and               baby,               for               my               birthday               when               I               get               a               phone               call               on               my               cell-phone               from               someone               stating               that               I               owe               $8500               to               this               loan               company.

The               amount               that               I               had               owed               on               the               car               when               it               was               repossessed               was               $6500.

I               state               that               I               have               a               letter               from               the               original               creditor               and               will               be               happy               to               fax               it               to               them               as               soon               as               I               could               get               back               to               my               files.

They               continued               calling               me               throughout               my               vacation,               making               it               a               rather               unpleasant               experience.
               Upon               returning               home,               I               find               the               letter               and               call               them               back               stating               that               I               will               be               more               than               happy               to               fax               them               the               letter.

I               get               a               man               on               the               phone               claiming               to               be               a               lawyer.

This               man               breaks               many               FDCPA               rules               in               a               single               phone               call.

He               is               first               and               foremost               extremely               rude,               stating               that               the               letter               I               received               means               absolutely               nothing.

He               spoke               to               me               as               if               I               were               an               ignorant               child               and               told               me               that               because               I               signed               the               original               contract,               I               still               owed               the               money,               even               if               the               original               creditor               had               put               it               in               writing               that               I               no               longer               owed               this               debt.

He               then               proceeded               to               threaten               me               claiming               that               I               was               being               served               with               a               court               summons               and               that               if               I               did               not               show               up               to               court,               I               would               be               arrested.

All               this               he               put               under               the               guise               of               "just               trying               to               help               you,               ma'am."               After               this               display,               he               then               proceeded               to               tell               me               that               I               was               the               one               being               rude               when               I               became               exasperated               by               his               tactics.
               Needless               to               say,               I               never               received               the               notice               that               I               was               being               sued,               as               it               is               illegal               for               him               to               do               so.

I               never               got               arrested,               and               I               have               been               working               directly               with               the               credit               bureaus               to               have               that               mark               removed.

I               looked               up               the               phone               number               that               they               were               calling               from               and               discovered               it               belonged               to               Sentry               Recovery               Systems.
               This               is               just               one               experience               with               one               debt               collection               agency.

This               is               not               the               only               agency               to               break               the               law,               thinking               that               the               person               on               the               other               end               of               the               line               is               ignorant.

There               are               some               that               will               advertise               your               debt               to               your               children               or               friends,               also               very               illegal.

There               are               those               who               will               keep               calling               in               spite               of               the               fact               that               it               is               not               your               debt.

If               you               have               a               phone               number               that               ever               belonged               to               another               person               in               debt,               you               will               continue               to               get               calls               for               that               person               no               matter               how               many               times               you               inform               them               that               they               have               the               wrong               number.
               I               have               yet               to               meet               a               debt               collection               agency               representative               who               is               courteous.

I               have               found               many               that               I               have               worked               with               to               be               condescending               and               cruel               individuals.

They               don't               really               care               if               you               actually               owe               the               debt,               they               will               try               to               collect               anyway,               just               to               get               their               money.

This               causes               me               to               believe               that               the               world               would               be               a               better               place               if               these               agencies               were               outlawed.

At               the               very               least,               any               agency               caught               breaking               the               law               should               be               shut               down               immediately               and               their               business               licenses               revoked.

Maybe               the               threat               of               losing               their               business               altogether               would               cause               them               to               re-evaluate               their               business               practices.






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