If you are receiving calls from debt collectors, turn your frown upside down and take notes, take names and tape the calls. Let them abuse you and hang themselves doing it. The more they abuse you on tape, the easier it is to sue the abuser for money damages and possibly get the debt you owe eliminated as part of any settlement. That will make anyone smile! And we can help.

Call Brian Parker at (800) 737-2345 and let us help you smile.

Posted on August 10th, 2010 by admin
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Stress and annoyance become you when you are a victim of debt collection harassment. You could become irritable and nervous to take phone calls expecting the calls to be from debt collectors.

Original creditors can call you to collect the payments for debts owed by you. However, creditors do not pursue beyond a few calls and letters. They sell unpaid debts as delinquent debts to collection agencies known as the third party debt collectors for a pittance. These third party debt collectors try to extract as much money as possible by following whatever tactics they can for this.

Third party collectors are not employed by the creditors to collect money from you and hence are governed by the Federal Trade Commission (FTC) in enforcing the Fair Debt Collection Practices Act (FDCPA).

The FDCPA regulates debt collection practices to ensure fair collection. Third party debt collectors resort to nagging you by calling repeatedly to get the payment from you. This constitutes one of the violations under the FDCPA. Debt collectors can call you and request you for a payment. But calling before 8 am in the morning and after 9 pm in the evening is a violation. Along with the calls if the debt collectors.

The debt collection agency engages agents who do the dirty job of calling consumers. They use any and every technique possible to scare you into paying. They leave voice mails or resort to using auto dialers for continues calling.

The FTC received 88,190 FDCPA complaints about third-party debt collectors in 2009. 46.5% of the FDCPA complaints the FTC received in 2009 or 41,028 complaints were about collectors harassing the consumers by calling repeatedly or continuously. This was the most frequent complaint that consumers filed in both 2009 and 2008. The FDCPA lays down strict guidelines on the number of times a debt collector can call and the frequency of his calls. (FDCPA 15 USC 1692d] § 806(5)

When the debt collectors but delinquent debts they get into the business of collecting knowing they don’t have much to lose. They start calling you repeatedly with the notion that after all a few calls from their end and you may succumb to pressure of the calls. Some collectors are very enthusiastic and resort to using profane and obscene language. They try to strike at your emotions by embarrassing you or calling you neighbors or relatives about the debt. In 2009, 14, 321 complaints were about debt collectors using abusive language and 9.684 complaints were about calling at inconvenient times.

Posted on August 8th, 2010 by admin
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Beware Of Zombie Debt Collectors

Don’t let debt collectors chase you down for money you no longer owe. Have you ever received a letter or phone call asking you to pay a debt that you’re not sure you owe? If so, you may be the target of zombie debt collectors. What is zombie debt? It has become increasingly common for companies to sell their old, uncollected debts for pennies on the dollar to third-party debt collection agencies. Zombie debt can be the result of identity theft, clerical errors or becoming confused with another debtor with a similar name. It is old or made up debt that debt collectors threaten or accuse debtors of owing when in reality, they never had the obligation or the statute of limitations has passed long ago.

Call us if you are being harassed for debt you do not own or the statute of limitations has passed long ago under the FDCPA.

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It can also occur when creditors are not properly informed of your having successfully filed for bankruptcy. In any case, the uncollected debts can be resold again, making the problem difficult to destroy. As soon as you convince one collector that the debt is false, another zombie might rise up to take its place, leaving you to deal with a different collector.

Posted on August 7th, 2010 by admin
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