Tag Archive
You Have a Right to Know Your Creditor
When you are in debt to a few people and have very little debt you likely know the names and amounts of the debt that you owe and who you owe it to. When you are in the situation where you have so much debt that you don’t know who you owe the situation can… »
Debt Collectors Cannot Threaten to Take Your Possessions
When debt collectors call there is a sense of unmitigated fear in the air because many people don’t know what a debt collector is and is not allowed to take from you. When they try different tactics to get you to make good on your debts there are rules for how debt collectors can pressure… »
Debt Collectors Should Not Pursue Post Dated Checks
The sole purpose of the Fair Debt Collection Practices Act is to protect the parties involved in the process from unfair treatment. You, the consumer, must be protected from false accusations or threats that force you to make a payment or payments that you do not want to make. If you feel that you are… »
The Collection of Your Debts is Not a Legal Process
When trying to collect the debts that you owe it is no secret that debt collectors will try any old trick under the sun. No stones will be left unturned and the pressure will continue to mount as call after call comes from the debt collector. What you may not realize is that some of… »
Debt Collectors can not Make False Representations of Your Accounts
The federal government tries hard to protect the citizens of our country by protecting their rights in relation to creditors and debt collectors. As debts and credits can impact a person’s life so severely the government has made laws that these creditors must abide by and you may not even know they exist. Debt collectors… »
Debt Collectors cannot Purposely Deceive You
It may seem like a god given right to many consumers that debt collectors can pursue you and the debts you owe by any means necessary. After all, you took money upon the terms of an agreement that you would repay the debt on certain terms so they have a right to get it back. … »
Do NOT be Fooled by False Documents in Debt Collections
When someone is trying to collect on debts that you owe they have the right to present to you any information that may enforce their rights to collect. However, if the debt collector presents to you information in the form of a document that are known not to be true they could be guilty of… »
Debt Collectors Must be Truthful about Their Authority
It is scary enough to have to deal with debt collectors calling to obtain money that you don’t have, but having them claim to have government authority is almost worse. The idea that someone is calling with the force of the government behind them could scare you into doing something you wouldn’t normally do. This… »
Can a Debt Collector Call Repeatedly?
Debt collectors are notorious for trying to get a hold of you or your family at the worst possible time to collect on debts. The idea from the debt collector’s point of view is that they could coerce or harass you into finally making a payment just to stop the calls. While this was an… »
Is a Debt Collector Threatening You with Profane Language?
Discussing money with anyone, regardless of if it is over the phone or in person, is never easy if the person is struggling to make payments or the like. To do so usually means that you will have to endure some strong language and get pretty upset with the person that you are talking to. … »