I Told Off The Debt Collector [Debt Collectors]

Some punkass debt collector called trying to get a hold of some lady he thinks my girlfriend knows. Here's roughly how the conversation went ... immediately. Muted. Under the Fair Debt Collection Practices act, debt collectors are allowed to contact ... break any rules, there's no law against having being condescending and arrogant. (Photo [more...]

Date: 2008-10-08 21:52:29

Blog posts (144) | Videos (41)
 

What Every Consumer Needs to Know

What Every Consumer Needs to Know Building good credit history is extremely important to one’s life ... that control credit. These rights have been stated as provisions on Fair Debt Collection Practices ... so as to bear witness on whatever maltreatments or unduly practices of debt collectors and lenders. Fair Debt [more...]

Date: 2009-01-07 12:47:09

“I’m Going to Put a Judgment on You”

Often we hear reports from clients that a debt collector threatened to put a judgment against them if a debt was not immediately paid.  This is a misleading statement and may be actionable under the Fair Debt Collections Practices Act and/or the corresponding Pennsylvania law protecting consumers from abusive debt collection [more...]

Date: 2009-01-04 21:06:20

Managing Your Creditors: the Best Way to Do It

by John Brennan Those who find themselves in debt often times find themselves with many creditors ... to this Fair Debt Collection Act that a collector cannot contact you are work, inconvenient times ... debt Collection Practices Act and it protects you from brutal collectors. Personal, family [more...]

Date: 2008-09-24 17:17:26

Tips For Managing Your Creditors

by John Brennan Those who find themselves in debt often times find themselves with many creditors ... that limit how they can treat you. It may not seem that way, but debt collection agencies do actually have rules that they need to follow. There is a Fair Debt Collection practices Act that protects [more...]

Date: 2008-10-09 09:34:18

Compliant Debt Collection

Far too many uninformed consumers give in to the overbearing intimidation and scare tactics of unscrupulous debt collectors, ... to them from debt collectors. The FDCPA is a strict liability law, which means that a consumer bringing ... Act.The Fair Debt Collection Practices Act is enforced by the Federal Trade Commission under its powers [more...]

Date: 2009-01-08 19:28:29

How Bill Collectors Locate You

Thanks to the internet it’s easier than ever for bill collectors to locate your whereabouts ... will use to find you. Initially a collection agency will review the file they receive ... had no phone and no job. According to the Fair Debt Collection Practices Act it is legal for a debt [more...]

Date: 2009-01-08 02:36:42

Goldman Sachs’s Dirty Little Secret

Last week the American News Project put a human face on the economic crisis with a moving video report about a woman named Jocelyn Voltaire facing ... . In other words, they are a type of collection agency dealing with those in the most vulnerable ... , misleading and evasive practices” in violation of the Fair Debt Collection Practices Act (case [more...]

Date: 2008-10-21 13:25:44

I ain’t your Bee-yotch….bitch!

+++warning!  foul mouthed rant ahead!++++ Despite the fact that there are 4 other folks in my office at any given time, ... the collection agency to stop calling for an employee, they are legally required to stop”.  (see the Fair Debt Collection Practices Act, governed by the FTC) Trust me, I’ve quoted this law to these blood [more...]

Date: 2008-09-05 15:08:48

Social Security: Can Banks Garnish My Money?

For individuals who rely on their Social Security checks, the notion that the bank can garnish this money seems cruel, at best ... garnished, or are currently under threat of such an action, go to: Fair Debt Collection.  Here ... agree to pay $300.00 a month towards the debt owed and they would return the amount taken in full [more...]

Date: 2009-01-08 15:32:16

12 Confessions Of A Home Mortgage Collector [Wells Fargo]

A former Wells Fargo Home Mortgage home collector has stepped forth from the shadows to tell you what's really going on ... my own copy of the Fair Debt Collection Practices Act, and even then most people in WFHM ... . Bankruptcy will not forgive a mortgage debt. 4. Fight your bankruptcy fees with a passion! WFHM [more...]

Date: 2008-09-10 16:36:38

Get Collection Agencies Off Your Back

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... : Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer [more...]

Date: 2008-12-12 23:06:57

How To Get Collection Agencies Off Your Back, For Good

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... Commissions. Here's a sample Cease & Desist Letter: Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection [more...]

Date: 2008-12-12 23:10:08

You Cant Handle the Truth.. THE NATIONWIDE COLLECTIONS LAWSUIT, Posted by Robert Paisola

COMMONWEALTH OF KENTUCKY14th JUDICIAL CIRCUITSCOTT CIRCUIT COURTCIVIL ACTION NO.: 08-CI-_________MICHAEL S ... 1511 Louisville, Kentucky 40202NATIONWIDE CREDIT, INC. Serve: C.T. Corporation System ... for Defendant's violations of the Fair Debt Collection Practice Act, 15 U.S.C. § 1692, et seq [more...]

Date: 2008-04-23 02:53:00

Class Action Blogosphere Weekly Review

Here are some blog entries from the week that was that might be of interest to class action practitioners: ... in a fair debt collection case despite the fact that the alleged damages of individual class members ... the McCarran-Ferguson Act. http://www.insurereinsure.com/BlogHome.aspx?entry=929 North Carolina [more...]

Date: 2008-09-02 19:08:52

Man Sets Himself On Fire At Rent-A-Center After Receiving Too Many Late Payment Notices [Tragic]

There are lots of good ways to escalate your complaints ... to do is to familiarize yourself with the Fair Debt Collection Practices Act (PDF). If you're being harassed ... with the amount of late payment notices and collection calls he was receiving from Rent-A-Center [more...]

Date: 2008-07-30 16:21:45

Homeowners bank on new ways to fight foreclosures

News & TrendsEarly this year, homeowners in Cleveland filed a class action against financial titan Deutsche Bank, ... activity” that flies in the face of state law and the federal Fair Debt Collection Practices Act [more...]

Date: 2008-12-12 07:19:00

New Credit Scoring Model Set for Release in 2009- Finally!

Almost a year ago, we wrote about the new FICO 08 scoring model that was initially planned for roll-out at the latter part of 2008 ... -user information would be included. Small Collection Accounts Disregarded.  Accounts with debt less ... . Besieged with lawsuits between its creator, Fair Isaac, and the three largest credit bureaus [more...]

Date: 2009-01-06 13:47:30

There's always money in parking meters

And Morgan Stanley wants it. The city of Chicago is on the cusp of signing a contract to let a Morgan Stanley-backed consortium collect money from ... percentage went into a reserve fund, and a fair chunk went to pay down municipal debt. The other ... . The city, which has been on something of a privatization tear, having auctioned off Midway Airport [more...]

Date: 2008-12-03 18:48:06

Own a piece of history, because ownership is all that matters

  Don’t miss this chance to capture a piece of history. That’s what the e-mail said ... . And if some of the proceeds go to retiring campaign debt, as I suspect they might, then fair enough, I suppose ... later) followed by my inauguration fleece jacket (carefully pinning my collection of inauguration [more...]

Date: 2009-01-06 21:08:11

Tips for Furnishing Your First Place

This is the fourth article in a series on Life Skills for the New Graduate by The Life Skills Network ... a fair amount of debt in the name of “upgrading” my new living space. Save and Spend Plan Ten years ... of holding my small collection of DVDs, my TV, and my beloved Xbox. However, my new living room [more...]

Date: 2008-06-05 03:11:27

Victoria Gotti Unimpressed With Your Debt-Collection Tactics [Gossip Roundup]

Victoria Gotti didn't realize she was getting a $70,000 memoir advance to dish dirt on her mobster dad John ... . R&M Still under a spell cast by Vanity Fair mystic Annie Leibovitz, normally chaste 15-year-old [more...]

Date: 2008-06-06 14:11:09

MICROCAPITAL STORY: Thirty-Five Organizations Sign Client Protection Principles to Ensure Fair Treatment and Financial Protection of Low-Income Microfinance Clients

In late October, 35 microfinance institutions (MFIs) and investment funds signed the Client Protection Principles (CPP) ... to clients; 3.  Debt collection practices of providers [more...]

Date: 2008-11-12 05:03:44

Common Credit Questions: Should You Send a Debt Validation Letter on an Attorney's Letterhead?

No. Actually, a debt collector may overreact to a DV letter sent from an attorney. You do not want the collection agency/creditor paying too much attention to your dispute. You want them to ignore it so it goes away. The Fair Credit Reporting Act (FCRA) expects that the consumer [more...]

Date: 2008-12-26 19:14:00

Can Collection Agencies Sue Me For Outstanding Debt?

Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]

Date: 2009-09-29 11:34:48

Beating Collectors With Credit Repair

You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]

Date: 2009-09-25 15:17:42

How to Research Debt Collectors & Understand the Law

This is the first guest post in a special How to Fight Debt Collectors series on Bargaineering.com. So you’ve received a debt collection call or letter… In this day and age where you have rampant foreclosures, layoffs and job losses, it is simply inevitable that an individual may come across a debt collector, and frankly even without these external factors, it may just happen by a chance wrong number or even being related to someone going through a hard time financially. [more...]

Date: 2009-09-28 11:02:18

Communique Issued and Obama Speaking Now

You can watch him live here: The text of the communique is below. Leaders’ Statement: The Pittsburgh Summit September 24 – 25, 2009 PREAMBLE 1. We meet in the midst of a critical transition from crisis to recovery to turn the page on an era of irresponsibility and to adopt a set of policies, regulations and reforms to meet the needs of the 21st century global economy. 2. When we last gathered in April, we confronted the greatest challenge to the world economy in our generation. [more...]

Date: 2009-09-25 21:36:12

Antique Collection

Some people falsely believe that the passion for accumulating a variety of antique treasures in an antique collection is an addiction, such as being a pack rat, but this is not actually true. The truth about going antiquing is that while it may be infectious, it is certainly not a disease and there is nothing wrong with having a passion for going out and looking for your favorite objects, especially since antiquing is a sure fire way for you to improve your mood. [more...]

Date: 2009-09-28 05:09:23

What Is A Third Party Collection Agency?

by Jonathan Summers The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-23 18:41:54

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Stamp Collector

Stamps -> Worldwide -> Collections, Lots Few types of collectors get more excited and enthusiastic about a new acquisition than a stamp collector. Stamp collecting is one of the most popular hobbies in the world, enjoyed by young children, the elderly, and every age in between. Over 20 million people in the United States collect stamps, with some of them enjoying the hobby very casually without much in depth knowledge of the individual stamps and their histories. [more...]

Date: 2009-09-21 02:27:58

Find Out What Debt Validation Means And Why It’s Important

Imagine getting a phone call or a knock on the door, and when you answer it, a person called Victor says that he been authorized by someone name Joe to collect a debt that you owe him, and it’s true that you do owe somebody called Joe some money. Even if you had the money, and knew that you owed it, would you pay this new person on the scene? I’m pretty sure that you wouldn’t even consider for a moment giving Victor any money, until you were 100% sure that he was really acting on Joe’s behalf. [more...]

Date: 2009-09-26 20:20:24

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

Vehicle Repossession: How To Pay The Deficiency Balance

Amazon.de Widgets When you finance or lease a vehicle, your creditor or lessor has important rights that end once you’ve paid off your loan or lease obligation. These rights are established by the contract you signed and the law of your state. For example, if you don’t make timely payments on the vehicle, your creditor may have the right to “repossess” — ­or take back your car without going to court or warning you in advance. [more...]

Date: 2009-09-22 04:20:47

Electing The Fourth Reich…

http://www.wholetruthcoalition.org/category/hiddenhistory/   Are you fed up with the damage politicians and their political correctness have done to our country? Are you ashamed of what has become of our way of life, our health system, immigration laws, justice system, police, our national pride and morality and our once mighty armed forces? Are you angry enough to want to do something about it NOW? [more...]

Date: 2009-09-19 11:24:18

Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Be the Consumer Credit Card Debt Collectors Do Not Want to Collect From

Most people would simply rather pay their credit card debts than deal with collection phone calls and collection attorney letters. But, what about those who cannot afford to make monthly minimum payments on their credit card debt? Many fall prey to the debt collection industry. Some, however, become educated consumers and use the law to force debt collectors to spend their time with other, less knowledgeable consumers. [more...]

Date: 2009-09-19 16:24:13

Money Flow Update for September 21st

By Tuesday, this duality was so striking that I indicated, "I'm trading like a bear, but watching for investment opportunities like a bull." Indeed, we continued to trade lower into Thursday morning--all the while maintaining the divergences--until a dramatic burst of buying, sparked by news of a government rescue plan for troubled banks, [more...]

Date: 2008-09-21 23:41:26

Writing Your Debt Collection Dispute Letter

This is the second guest post in a special How to Fight Debt Collectors series on Bargaineering.com. Writing a debt collection dispute letter is the first line of defense against a debt collector. Make them prove that the debt is legitimate before you do anything. Just because they have your name doesn’t mean the debt is legitimate. If you don’t remember it or you remember paying it off, a dispute letter can help you resolve it quickly. [more...]

Date: 2009-09-29 11:01:53

Willem Buiter Calls for Less US Stimulus, Expects Collapse in Price of Dollar Assets

I am a big fan of Willem Buiter, even on those rare occasions when he is wrong. He is unusually blunt for a Serious Economist, and is willing to take on orthodox views and institutions frontally. He has, for instance, been quite critical of the Fed. He created a firestorm at its last conference in Jackson Hole when, in a presentation, [more...]

Date: 2009-01-05 05:24:34

Gates of Vienna News Feed 11/12/2008

Some headlines to look at:“Muslim Killed Catholic Girl in Love With Flatmate”“London Fundraisers Linked to Stoning of 13-Year-Old”“Possibly Tens of Thousands of Somalis in the US Illegally”“New Anti-Christian Attack in Mosul, Two Sisters Killed”But then there’s this:“Denmark: Ready to Ban Headscarves for Judges”So it’s not all bad news [more...]

Date: 2008-11-13 04:52:00

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Viacom Narrows Request for YouTube Information

we noted yesterday: The parties will meet and confer within 14 days of the execution of this Stipulation concerning records reflecting the business ... a person as having requested or obtained specific video materials or services.” While the parties ... to “any renter, purchaser, or subscriber of goods or services from a video tape service provider.” [more...]

Date: 2008-07-15 18:29:10

E-Commerce For Entrepreneurs - Internet User’s Guide to E-Commerce Policies

A few days ago, I wrote about the different types of internet businesses that one can put up. That article prompted a lot of inquiries from my readers which sent to my inbox a number of requests for assistance on several aspects of e-commerce and other online ventures. Some of the questions I received such as “How do I put up a website? [more...]

Date: 2008-12-15 06:16:19

Gates of Vienna News Feed 1/2/2009

In tonight’s news: Israel is poised to send ground troops into Gaza.A Muslim family was removed from a plane before takeoff, and is being compensated by the airline for the error. CAIR is in high dudgeon about the incident.Thousands of shoes were dumped on a Miami expressway — is that a message for President-eject Bush? [more...]

Date: 2009-01-03 04:42:00

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

Book Review: Killing Sacred Cows

Carnival of Twenty-Something Finances.  Be sure to check it out.  Next week I’ll be hosting the Carnival of Personal Finance ... One Family’s Debt Roundup Posts I found interesting this week. Wenchypoo’s “why we skip ... his ownership of CNN does influence what we perceive as the “economy”. NCN gives us the lowdown on “debt [more...]

Date: 2008-11-21 03:30:56

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