· Media Search  > >

Famous people say the darndest things!
Songs Music Lyrics
Lists of US Patents
Article Search
Most Recent Articles
 

Protecting America with Specialty Gases
by Bob Davis
in N/A  

Stop Think and Listen when Repairing Credit
by Jonathan Cheong
in N/A  

How to Secure a Low Cost Online Loan
by John Mussi
in N/A  

How Credit Works
by John Mussi
in N/A  

Weddings - You are Not Who I Married Yesterday
by Kacy Carr
in N/A  

Looking to Start a New Business? Consider the Personalized Prod...
by Nancy Wurtzel
in World News  

How to Stay Focused on Your Home Business Goals
by Stone Evans
in World News  

Email Marketing Lesson: How To Build An Email List, Part Two of ...
by Joan Pasay
in N/A  

No Knowledge No College GOODBYE Career
by Kacy Carr
in N/A  

Life Insurance – Money saving Top Tips
by Michael Challiner
in N/A  

Earthquake Insurance
by Jakob Jelling
in World News  

Promotional Lanyards to Market Your Products and Services
by John Thomson
in N/A  

Men's killer Dating Mistake!
by Mick Jones
in N/A  

How Do You Treat Your Affiliates?
by Denise Hal
in World News  

What is a Debt Management Plan, and why should I enroll?
by Nathalie Calvin
in N/A  

The Bankruptcy Record is open to the Public
by Jakob Jelling
in World News  

Of Hurricane Katrina and Customer Service
by Matt Eliason
in N/A  

About distributing your AVI movies
by Jakob Jelling
in World News  

Attitude is more important than Age to a Home Business Entrepren...
by Arthur
in N/A  

Making Your Business Happen with a Commercial Lender
by Cameron Brown
in N/A  

Dijon - Burgundy's capital
by Jakob Jelling
in World News  

Investing on a Budget
by John Mussi
in N/A  

The Wealthy Mindset
by Dinar P. Wiria-Atmadja
in N/A  

A REVIEW OF TECHNIQUES IN MANAGING YOUR DEPRESSION
by STAN POPOVICH
in N/A  

Top 7 Ways To Get Rich
by Alan Korber
in N/A  

Discover Effective Home Remedies to Dandruff
by Alex Fir
in N/A  

Tips for Finding Quick Loans Online
by John Mussi
in N/A  

How I Make Money Online
by David Ferrers
in N/A  

Seven Secrets of Independent Travel in Europe
by Karen Bryan
in N/A  

See All of Sydney, But Stay in Style!
by Robert Hall
in N/A  

The best time to fix bad credit is now
by Darren McLaughlin
in N/A  

It's Time To Think About Comforters!
by Patricia Bowlin
in N/A  

Learning Internet Marketing the Hard Way.
by Linda Quinones
in N/A  

Believe yourself, you can start your own home-based business to ...
by heshuo
in N/A  

6 Frightening Pitfalls of Ready-Made Websites
by Jan Peterson
in N/A  

Plugging Your Energy Leaks
by Catherine Bruns
in N/A  

10 Questions About Cellular Phones Answered
by Alex Fir
in N/A  

E-currency Trading: An Alternative to Forex & Futures Trading
by Merv Thompson
in N/A  

Gain Weight Fast With These Ten Powerful Tips ! Part -2
by James Jordan
in N/A  

Trekshare.com - Crashing a Laos Wedding - Part 1
by Joseph Kultgen
in World News  

What Stress Is
by Dr Farsheed Farjady
in N/A  

Puppets turn into Muppets - Under Age Drinkers
by Kacy Carr
in N/A  

Options to Avoid in Credit Repair and Building
by By Jonathan Cheong
in N/A  

Repair Your Credit, Build Your Survival Foundation
by Jonathan Cheong
in N/A  

Time Management: How to Stay Motivated and Get More Done
by Burt Carlson
in N/A  

Spouse Improvement: Influence Your Partner to Change in just 7 S...
by Dr. Peter Pearson
in N/A  

How Refinancing Works
by John Mussi
in N/A  

Repairing Credit Essentials
by Jonathan Cheong
in N/A  

An Introduction to Interest Rates
by John Mussi
in N/A  

Quick Books and Finances
by Adam Smith
in N/A  

Medas Islands and their amazing marine life
by Jakob Jelling
in World News  

Google Wireless - Search away from home
by Jakob Jelling
in World News  

What is snowkiting?
by Jakob Jelling
in World News  

Life insurance – wise investment in personal finance or excessiv...
by Rachel Lane
in N/A  

Digital camera interpolation explained
by Jakob Jelling
in World News  

Teleclasses: Your New Innovative Way to Learn
by Kim Olver
in N/A  

Why does a car engine overheat?
by Jakob Jelling
in World News  

How to get a Loan
by Jakob Jelling
in World News  

How To Stay In Touch With Your Ebay Customers 24/7. Yep, Even Wh...
by Ian D. Major
in N/A  

MANAGING YOUR SPECIFIC PHOBIAS AND PANIC ATTACKS
by STAN POPOVICH
in N/A  

WHAT TO DO WHEN YOUR FEARS AND WORRIES OVERWHELM YOU
by stan popovich
in N/A  

Lawyers are not always a Solution for Credit Repair and Credit B...
by Jonathan Cheong
in N/A  

"Divorce and Children: Things To Consider When You're Staying Ma...
by Karl Augustine
in N/A  

Designing Relaxing Evenings for You and Your Child
by Brook Noel
in N/A  

Understanding Credit Files to Repair Credit
by Jonathan Cheong
in N/A  

Knocking Down the Debts with Credit Repair
by Jonathan Cheong
in N/A  

Paimpol town and its surroundings
by Jakob Jelling
in World News  

A Beginner's Guide to Bad Credit Secured Loans
by John Mussi
in N/A  

Tips for Finding an Automotive Loan
by John Mussi
in N/A  

Tips for Finding a Low Interest Loan
by John Mussi
in N/A  

Credit Building Strategies
by Jonathan Cheong
in N/A  

Terrorist Terrorism and Terrorized
by Kacy Carr
in N/A  

Have a different dive in Shark Arena
by Jakob Jelling
in World News  

Choosing The Right Self Defense Class
by Rob Goyette
in N/A  

Financial Planning: What’s your Designation?
by Jay Moncliff
in N/A  

How to Find a Quick Loan Online
by John Mussi
in N/A  

FINDING THE ANSWERS IN MANAGING YOUR FEARS AND ANXIETIES
by STAN POPOVICH
in N/A  

How Loan Decisions are Made
by John Mussi
in N/A  

Building Credit in Despair
by Jonathan Cheong
in N/A  

Lies, Damn Lies and Mutual Fund Returns
by Ulli G. Niemann
in World News  

Website Promotion – Where to Get Ideas for Writing Articles
by Charles Essmeier
in N/A  

A Beginner's Guide to Finding a Loan
by John Mussi
in N/A  

Finding the Best Home Improvement Loan Rate
by John Mussi
in N/A  

How To Get Out of Debt
by John Mussi
in N/A  

What is a Home Owner Loan?
by John Mussi
in N/A  

Credit Report – Check Yours Regularly…and for Free
by Charles Essmeier
in N/A  

Finding the UK Loan that You Need
by John Mussi
in N/A  

Secured Loans Guide
by John Mussi
in N/A  

Interest Only Home Loan – Is It Right For You?
by Carrie Reeder
in N/A  

What is an Interest Only Mortgage?
by John Mussi
in N/A  

Where to Look for a Fast Homeowner Loan
by John Mussi
in N/A  

Finding a Secured Loan to Meet Your Needs
by John Mussi
in N/A  

Getting a Better Consolidation Loan Secured
by John Mussi
in N/A  

A Guide to Debt Consolidation Loans
by John Mussi
in N/A  

File sharing - What you need to know!
by Noel Hynes
in N/A  

A Guide to Looking for Cheap Online Loans
by John Mussi
in N/A  

Bextra and Vioxx -- Tips for Arthritis Relief Without Them
by Charles Essmeier
in N/A  

A Beginners Guide to the Best Online Loans
by John Mussi
in N/A  

Useful Tips on Avoiding Credit and Charge Card Fraud
by John Mussi
in N/A  

Identity Theft – Beware of Phishing Attacks!
by Charles Essmeier
in N/A  

What is a Mutual Fund?
by John Mussi
in N/A  

Credit Report – How Your Credit Score is Determined
by Charles Essmeier
in N/A  

Start Again with Mortgage Refinancing
by Seymore Hennigan
in N/A  

Useful Tips on Personal Loans
by John Mussi
in N/A  

Auto Lemon Laws – Do you need a lawyer?
by Charles Essmeier
in N/A  

Bluegrass Portfolio Bullish On Latin America
by James Brumley
in N/A  

How to Create Wealth in the Stock Market
by Charles M. O'Melia
in N/A  

Useful Tips on Reducing Insurance Costs
by John Mussi
in N/A  

The Best Tactics for Getting a Quick Homeowner Loan
by John Mussi
in N/A  

Technology Stocks Perking Up Again....Mostly
by James Brumley
in N/A  

Life In America, No More Fun
by Emey Ikokwu, CEO, New York City, Ny, USA
in N/A  

A Funny Thing Happened on the Way to the Stock Market
by Charles M O'Melia
in N/A  

How to Find Cheap Loans UK
by John Mussi
in N/A  

Why have Investment Plans for the Stock Market
by Charles M O'Melia
in N/A  

Identity Theft – Monitor Your Credit Report
by Charles Essmeier
in N/A  

Taking the Time to Find the Best UK Loans
by John Mussi
in N/A  

Oh geez, not another 'How To Invest' article....
by James Brumley
in N/A  

The perfect mutual fund
by Charles M. O'Melia
in N/A  

Debt Management – Watch Out for Bank Fees!
by Charles Essmeier
in N/A  

How to Shrink Your Phone Bill
by Brad Dudley
in N/A  

How to Find the Best Debt Consolidation Secured Loan
by John Mussi
in N/A  

The Top 5 Things You Must Know Before Applying for a Mortgage
by Rob Sallay
in N/A  

Structured Settlements – Should You Sell Yours?
by Charles Essmeier
in N/A  

Shopping For a Franchise
by John Mussi
in N/A  

How to Find a Cheap Loan Online
by John Mussi
in N/A  

Your Rights Under The Equal Credit Opportunity Act
by www.creditandyou.com
in N/A  

A Guide to the Best Remortgage Deals
by John Mussi
in N/A  

New Bankruptcy Legislation May Make it Harder to Find an Attorne...
by Charles Essmeier
in N/A  

How Balance Transfers Can Help You Stop Putting Money Down The D...
by Claire Bowes
in N/A  

The Inside Scoop on Mutual Fund Rip Offs
by Ulli G. Niemann
in World News  

Debt consolidation – Consolidate Your Student Loans Now!
by Charles Essmeier
in N/A  

How to Find a Good UK Secured Homeowner Loan
by John Mussi
in N/A  

A Million Dollar Real Estate Investment Business Plan For Anyone...
by Dave Schneider
in N/A  

Finding Fast Online Loans
by John Mussi
in N/A  

Useful Tips on Borrowing Money
by John Mussi
in N/A  

Where to Look for the Best Secured Loan
by John Mussi
in N/A  

Useful Tips When Choosing Credits Cards
by John Mussi
in N/A  

Government Credit Repairs
by Jonathan Cheong
in N/A  

How To Prevent Identity Theft
by John Mussi
in N/A  

Taking Care of Children After Divorce
by Alex Fir
in N/A  

The 7 Secrets to Getting—and Staying—Out of Debt
by Rob Sallay
in N/A  

How to earn multiple streams of income
by Mike Law
in N/A  

How (NOT) to Buy Mutual Funds
by Ulli G. Niemann
in World News  

Affiliate Marketing - The 10 Keys To Success
by Mike Gates
in N/A  

Home Loans and Mortgages – Watch Out for Dangerous Subprime Loan...
by Charles Essmeier
in N/A  

Teeth Whitening The Chemical Way
by Jeff Lakie
in N/A  

Thinking about a payday loan?
by Jeff Lakie
in N/A  

Will Iran End Up Being Referred To The UN Security Council?
by Angelique van Engelen
in N/A  

Dads, How do You Handle Your Kids Mistakes?
by Mark Brandenburg
in World News  

Writing Helpful Help – A Minimalism Checklist
by Glenn Murray
in World News  

Home Equity Loans - Friend or Foe?
by Ethan Hunter
in N/A  

A Guide to Direct Homeowner Loans
by John Mussi
in N/A  

5 Things To Know About The Stock Market
by Alan Korber
in N/A  

Lemon Laws Don’t Protect Used Car Buyers
by Charles Essmeier
in N/A  

Useful Tips on Investing
by John Mussi
in N/A  

Finding an auto loan with bad credit.
by Noel Hynes
in N/A  

Seven ways to Sharpen your Business Edge
by BZ Riger-Hull
in World News  

Rolling your 401k: Contributory IRA vs. Rollover IRA
by Ulli Niemann
in World News  

To Record or Not To Record - At Home, That Is
by Seth Lutnick
in World News  

Starting an On-Line Home Business
by John Baker
in World News  

Paying Late Has Harsh Consequences
by Ana Ribero, Debt Management Credit Counseling
in N/A  

Using Art Prints with a Minimalist Home Decor
by Joel Walsh
in N/A  

Illinois Real Estate – Chicago and Rural Areas
by Raynor James
in N/A  

Guide to Home Improvement Loans
by John Mussi
in N/A  

How to Reduce Car Insurance Premiums
by John Mussi
in N/A  

Tops in toolbars?
by Jakob Jelling
in World News  

How to find a loan or mortgage with bad credit
by Noel Hynes
in N/A  

Financing a Business
by John Mussi
in N/A  

New Bankruptcy Law – Targeting the Wrong People?
by Charles Essmeier
in N/A  

Bankruptcy credit card
by Jakob Jelling
in World News  

MANAGING YOUR PERSISTENT FEARS AND ANXIETIES
by STAN POPOVICH
in N/A  

Investment Property: Part 1
by Adam Smith
in N/A  

The city of Rennes
by Jakob Jelling
in World News  

Recording at night
by Jakob Jelling
in World News  

The sexy shape of a snowboard
by Jakob Jelling
in World News

 

 

 
Web LinkGrinder.com

Top Breaking News
     Greek, Cypriot Leaders Resume Unification Talks in Nicosia by Nathan Morley
     Indonesia Tobacco Sales Grow, Raising Health Fears
     South Korea Allows Top Defector to Travel Overseas by VOA News

Stop Debt Collectors Cold and get Back on Your Financial Feet


As a consumer law attorney who counsels people with debt problems, I?ve heard my share of horror stories about debt
collectors.

By John Ventura, Gerri Detweiler Category: 0

Submit your Articles Here!


As a consumer law attorney who counsels people with debt problems, I?ve heard my share of horror stories about debt
collectors. For example, a college student client was threatened that she?d be arrested if she did not pay a credit card debt, and another client was called 12 times in one day at work about a debt that was 14 years old. If they knew their rights, these people could have avoided the emotional stress they experienced at the hands of aggressive debt collectors.

This article provides you with an overview of those rights so you don?t have to suffer like my clients did. You don?t have to put up with abuse from debt collectors! Despite what they may tell you, debt collectors cannot put
you in jail, make you lose your job, or ruin your credit forever if you don?t pay a debt. The federal Fair Debt
Collection Practices Act (FDCPA) sets very strict limits on what debt collectors can and cannot do. Those limits include when they can call you, what they can say and what they can do to collect a debt.

The FDCPA in a Nutshell

The FDCPA applies to outside debt collection agencies, but not to creditors collecting their own debts. However, your state may have a law that applies to in-house debt collectors. Call your state attorney general?s office to find out.

Among other things, the FDCPA says that debt collectors cannot:

· Lie to you, use racial slurs or insults, or threaten you with violence.
· Call you repeatedly, or call before 8 a.m. or after 9 p.m.
· Call you at work if you've told them you can?t accept their calls on the job.
· Contact your employer about a debt unless the debt collector is trying to collect past due child support
payments from you.
· Tell others about your debt.
· Garnish your wages without taking you to court first.
· Make false statements, such as telling you they will ruin your credit ?forever?. They can?t.

You have the right, within 60 days of first being contacted by a collector, to ask for written proof of the debt, and the debt collector must provide it. Be sure to ask for proof if there is any question that you owe a debt or if you need time to figure out how to pay a debt you know you owe. Keep careful notes regarding each conversation you have with a debt collector, and copies of all correspondence to and from the collector. These records will be helpful if you need to sue a debt collector.


You Can STOP Debt Collectors

You can write to a debt collector to tell him not to contact you anymore. After he receives your letter, the FDCPA requires the collector to cease all contact with you other than to let you know about a specific action he is going to take -- sue you for example. The drawback of ceasing contact however, is you eliminate the option of negotiating a payment arrangement with the collector or settling your debt for less.However, if you believe you really don?t owe a debt or if you truly can?t afford to pay it, telling a debt collector to stop contacting you may make sense.

Time and again I?ve seen collectors try to pressure consumers into paying them immediately by threatening to seize their assets, take money from their bank accounts, or garnish their wages. However, a debt collector cannot do
any of these things without getting the court?s permission first. Furthermore, you will have plenty of notice from the
court about what a debt collector wants to do so you can hire an attorney to stop him.

What To Do If A Collector Violates The Law

If you believe that a debt collector has violated your rights, or you need advice about the best way to deal with a collector, contact a consumer attorney (visit www.naca.net for a referral). You should also register
a complaint about the collector with the Federal Trade Commission at www.ftc.gov. For much more information
about dealing with debt collectors, visit my website at http://www.StopDebtCollectorsCold.com, or contact my Co-author, Gerri Detweiler, at gerri@ultimatecredit.com.

About the Author

John Ventura is a consumer law attorney and board certified in
bankruptcy law. He is also a national authority on consumer and
small business financial and legal issues. He has a consumer law
firm in the Rio Grande Valley of South Texas and is the author of
13 books, including The Bankruptcy Kit and The Credit Repair Kit, and the new ebook, Stop Debt Collectors Cold. He has been featured on CNN, National Public Radio and in numerous newspaper and magazine articles nationwide.


Return to Last Page

Homepage
Articles
DVD's
Member Login
Add Your Link
Edit Your Link
Contact Us
Image Hosting
Advertising
Disclaimer

  Auctions - eBooks - Maps - Banner Links - Software - Weather - Music - Movies - TV
Add Your Site · Terms Of Service · Privacy Policy
 

DISCLAIMER

Follow The Bill is a free service that searches the Internet and indexes all files found so that you may search quickly and easily for shared files. These files are created and made available individually by users whose identity we are not aware of and who we have no control over. In essence we function like a search engine tool; these files ARE NOT STORED OR SERVED BY OUR NETWORK. We are not responsible for any materials obtained by using our service. We do not monitor any of the contents of these files. These files may contain viruses, illegal materials, materials inappropriate for minors, offensive files and the like. BY USING OUR SERVICE, YOU ASSUME FULL RESPONSIBILITY FOR DOWNLOADING THESE MATERIALS AND WILL INDEMNIFY US FOR ANY DAMAGES THAT MAY BE INCURRED.

For More Specific Information VIEW OUR TERMS OF SERVICE.

Thank you and Enjoy!