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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CREDIT REPORT CHECK: Everyone should check his or her credit report at least annually. Individuals are entitled to a FREE credit report copy annually, as a result of federal legislation to combat identity theft. Check the website below. Request a copy by contacting the Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281
Phone: 1-877-322-8228
Online: www.annualcreditreport.com
The Law Offices of Brian P. Parker PC help victims of Identity Theft and Debt Collection Abuse. www.collectionstopper.com. Or Call Toll Free (800) 737-2345.
Posted on August 6th, 2010 by admin
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Here are some more tips on taping calls under the FDCPA
When taping the collector:
1. Always be polite. Even if they insult you, say, “why are you being insulting to me or why are you getting personal with me,” and stay calm without getting sucked into their insult game. You want to show them for the abusers that they are.
2. Always, get names of the collectors and names of the company. Ask for their address. If they don’t honor your reasonable requests it is on tape.
3. Always ask them to cease and desist calling you. Again, you want their bad actions on tape. So, if they are calling before 8am or after 9pm, ask them why they call at those times. Q.You guys called at 7am yesterday, why did you call so early? We need them saying this on tape if that is what they did. Or ask them, Q.Why are your collectors calling me so much when I asked you to stop? Get it on tape .
4. The point is to get their harassment on tape and also show the collection agency it has a bad collector. You might be doing them a favor and others who may be subject to this bad guy. Again, be polite.
Let me know your thoughts at (800) 737-2345
Posted on August 5th, 2010 by admin
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