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Casual Articles - Debt Collection or “Is that #$&* Debt Collector Playing Fair?”
Dear Reader:Once thought of as entertaining novelties in site design, video and audio clips are proving themselves to be valuable additions to website content.The typical application is as teasers to spark the interest of prospective customers. The best examples of websites that use this technology are retail sites. Borrowing from the idea of movie trailers or radio ads, these websites will design their pages so that a clip outlining product highlights is made available in hopes of persuading visitors to purchase the product they've just seen displayed.So who can benefit from this idea?♦ Sites selling movies or music can add clips of either product to give visitors a real sense of what they'll be buying.♦ Websites selling published materials can add narrated passages or sample chapters of the material to the site.♦ Retail sites can record a short video file of the p
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe mo
With U.S. credit card debt at an all time high, many savvy consumers and investors are renewing their commitments to rid themselves of this burdensome and in most cases, unnecessary debt. In doing so they are constantly searching for the next best credit card with higher credit limits, lower annual percentage rates (APRs), and zero balance transfer offers. In fact switching credit cards has become as common as changing the battery in the fire alarm for some people and it has actually worked. So if you are amongst the thousands of Americans who are thinking of making a switch to improve your financial picture, before you do there are a few things that you should consider. They include how multiple inquiries for credit will affect your credit score and if the APR that applies to balance transfers after the introductory grace period still makes it a good deal. In addition to these two things you should also, as with everything you do, condu
The only job that is worse then being a Bill collector on the Scumbag Scale is the Repo Man. Bill Collectors are like lawyer, they’re only lying when there lips are moving. If you’re talking to a bill collector you need to know your rights and the law.
You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe.
Here are some commonly asked questions about your rights under the Fair Debt Collection Practices Act.
What debts are covered?
Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.
Who is a debt collector?
A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.
How may a debt collector contact you?
A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.
Can you stop a debt collector from contacting you?
You can stop a debt collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
May a debt collector contact anyone else about your debt?
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
Now the truth. After years of helping people with the unfair collection practices of the scumbag bill collectors I can tell you they will do anything to find you. The lie about who they are. They lie about why they want to talk to you. They threaten, they bribe, they promise not to tell and the only way you can tell their lying is if they’re talking. That’s the give away.
What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
Little know fact is that you have a right to EVERYTHING involving the debt. If requested, the bill collector must provide all documentation showing you owe the debt. All contracts, all signed purchase receipts, all addendums to the contracts and all payment history. Now the problem: How can they provide all this information if they bought the debt from some other company? In all likelihood, the original company has disposed of the original documentation. If requested, they must provide ORIGINALS, not copies printed from micro film.
What types of debt collection practices are prohibited?
These are the law but the reality is the bill collector probably will not care. But still, here they are:
Harassment
Debt collectors may not harass, oppress, or abuse anyone or any third parties they contact. For example, debt collectors may not:
· use threats of violence or harm;
· publish a list of consumers who refuse to pay their debts (except to a credit bureau);
· use obscene or profane language; or
· repeatedly use the telephone to annoy someone;
False statements.
Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
· falsely imply that they are attorneys or government representatives;
· falsely imply that you have committed a crime;
· falsely represent that they operate or work for a credit bureau;
· misrepresent the amount of your debt;
· indicate that papers being sent to you are legal forms when they are not; or
· indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe mo
Welcome to the inaugural issue of Human Tech Tips -- Tip #1. How do we take your customer service and kick it up a notch?This is a big question so where do we begin?As an overview, it's a given that the answer is three-fold: People, Process, and Technology. Let me say right from the start, my bias is on the people side.My questions for you to ponder are:1) Do you collect and measure any data? After all, what gets measured gets managed, and what gets managed gets better.2) Do you have customer satisfaction statistics? And if yes, how and where are you getting them?3) Do you have ongoing training in place - not sales training - not product training - not protocol or rules and regulations training but true relationship building skills training?Let's address the first question. Just because your system has metrics available to you doesn't mean you need to use all of them.My advice
Can you stop a debt collector from contacting you?
You can stop a debt collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
May a debt collector contact anyone else about your debt?
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
Now the truth. After years of helping people with the unfair collection practices of the scumbag bill collectors I can tell you they will do anything to find you. The lie about who they are. They lie about why they want to talk to you. They threaten, they bribe, they promise not to tell and the only way you can tell their lying is if they’re talking. That’s the give away.
What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
Little know fact is that you have a right to EVERYTHING involving the debt. If requested, the bill collector must provide all documentation showing you owe the debt. All contracts, all signed purchase receipts, all addendums to the contracts and all payment history. Now the problem: How can they provide all this information if they bought the debt from some other company? In all likelihood, the original company has disposed of the original documentation. If requested, they must provide ORIGINALS, not copies printed from micro film.
What types of debt collection practices are prohibited?
These are the law but the reality is the bill collector probably will not care. But still, here they are:
Harassment
Debt collectors may not harass, oppress, or abuse anyone or any third parties they contact. For example, debt collectors may not:
· use threats of violence or harm;
· publish a list of consumers who refuse to pay their debts (except to a credit bureau);
· use obscene or profane language; or
· repeatedly use the telephone to annoy someone;
False statements.
Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
· falsely imply that they are attorneys or government representatives;
· falsely imply that you have committed a crime;
· falsely represent that they operate or work for a credit bureau;
· misrepresent the amount of your debt;
· indicate that papers being sent to you are legal forms when they are not; or
· indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe mo
Newsletters are widely recognized as the most effective way to keep in touch with a large group of people on a regular basis. Although newsletters are used by a range of people for a variety of purposes, planning is essential if the newsletter is to be successful.This overview is to get you started with producing your own newsletter. Whether you’re producing the newsletter as a business to disseminate information or using it as a tool to increase an existing client base or simply as a way of communicating with family and friends here are some guidelines to get you started.Thorough planning enables you to develop a creative and informative newsletter. After progressing through the following issues you will have developed a clear Newsletter Plan of your newsletter production. This plan will provide the structure and framework to keep you on track as you publish your first issues.1. Identify the purpose of your newsletter.
Now the truth. After years of helping people with the unfair collection practices of the scumbag bill collectors I can tell you they will do anything to find you. The lie about who they are. They lie about why they want to talk to you. They threaten, they bribe, they promise not to tell and the only way you can tell their lying is if they’re talking. That’s the give away.
What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
Little know fact is that you have a right to EVERYTHING involving the debt. If requested, the bill collector must provide all documentation showing you owe the debt. All contracts, all signed purchase receipts, all addendums to the contracts and all payment history. Now the problem: How can they provide all this information if they bought the debt from some other company? In all likelihood, the original company has disposed of the original documentation. If requested, they must provide ORIGINALS, not copies printed from micro film.
What types of debt collection practices are prohibited?
These are the law but the reality is the bill collector probably will not care. But still, here they are:
Harassment
Debt collectors may not harass, oppress, or abuse anyone or any third parties they contact. For example, debt collectors may not:
· use threats of violence or harm;
· publish a list of consumers who refuse to pay their debts (except to a credit bureau);
· use obscene or profane language; or
· repeatedly use the telephone to annoy someone;
False statements.
Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
· falsely imply that they are attorneys or government representatives;
· falsely imply that you have committed a crime;
· falsely represent that they operate or work for a credit bureau;
· misrepresent the amount of your debt;
· indicate that papers being sent to you are legal forms when they are not; or
· indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe mo
It costs too much to recruit, hire, train, and develop new personnel. Retaining your best and brightest is worth your time and resources. Great retention strategies can also demonstrate your organization's care and concenrn for your loyal people and can add to their productivity.We gathered this Top 10 list from interviews with top level executives and successful Human Resource managers. I hope that you can find some strategies that would be worth trying in your organization.Tip #1 Treat your employees like you treat your most valuable clients. It is cheaper to keep your good employees than it is to hire and train new ones. Your top 20-25% should be courted as you would court and then service your top customers.Tip #2 Get your employees to "Fall in Love" with your organization. Communicate your vision in a compelling way. Show everyone the role they have to contribute to this vision. Create opportunities for pe
What types of debt collection practices are prohibited?
These are the law but the reality is the bill collector probably will not care. But still, here they are:
Harassment
Debt collectors may not harass, oppress, or abuse anyone or any third parties they contact. For example, debt collectors may not:
· use threats of violence or harm;
· publish a list of consumers who refuse to pay their debts (except to a credit bureau);
· use obscene or profane language; or
· repeatedly use the telephone to annoy someone;
False statements.
Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
· falsely imply that they are attorneys or government representatives;
· falsely imply that you have committed a crime;
· falsely represent that they operate or work for a credit bureau;
· misrepresent the amount of your debt;
· indicate that papers being sent to you are legal forms when they are not; or
· indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe mo
A powerful way to convey your communication messages to your audience is to be able to have your promotional video available on your website.Yet, we have probably all experienced visiting a website and clicking on a video only to have to been irritated that the content is not viewable or that the sound is inaudible. The result is we leave the website in frustration.So how do you make sure the video content on your website can be watched by your audience? It all boils down to how you want your viewers to access your video file and the level of video quality you want your movie to be played at.There are two different ways of sharing your video file on the web:1. Streamable VideoThis is where the viewer is able to download sections of your video (otherwise known as “streaming”), while the video is playing. The main benefit of this method is that the user does not have to spend time downloading the complete
Debt collectors also may not state that:
· you will be arrested if you do not pay your debt;
· they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
· actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
· give false credit information about you to anyone, including a credit bureau;
· send you anything that looks like an official document from a court or government agency when it is not; or
· use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
· collect any amount greater than your debt, unless your state law permits such a charge;
· deposit a post-dated check prematurely;
· use deception to make you accept collect calls or pay for telegrams;
· take or threaten to take your property unless this can be done legally; or
· contact you by postcard.
How many of the previous listed items have been violated in your case? Probably a lot.
What control do you have over payment of debts?
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.
What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1000. Court costs and attorneys fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collectors net worth, whichever is less.
Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney Generals office and the Federal Trade Commission
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