Fair Debt Collection - Home Mortgage Loan US Get Online Home Mortgage Loan US Average Rates Recently

Fair Debt Collection

If you use credit cards, owe money on a personal loan, or are
paying on a home mortgage, you are a "debtor." If you fall behind
in repaying your creditors, or an error is made on your accounts,
you may be contacted by a "debt collector."

You should know that in either situation 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.

This brochure provides answers to commonly asked questions to
help you understand 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, other than the creditor, who
regularly collects debts owed to others. Under a 1986 amendment
to the Fair Debt Collection Practices Act, 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 unreasonable 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 may stop a 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. Another exception is that
the agency may notify you if the debt collector or the creditor
intends to take some specific action.

May a debt collector contact any person other than you concerning your debt?

If you have an attorney, the debt collector may not contact
anyone other than your attorney. If you do not have an attorney,
a collector may contact other people, but only to find out where
you live and work. Collectors usually are prohibited from
contacting such permissible third parties more than once. In most
cases, the collector is not permitted to tell anyone other than
you and your attorney that you owe money.

What is the debt collector required to 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 are
first contacted, 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.

What types of debt collection practices are prohibited?

Harassment. Debt collectors may not harass, oppress, or abuse
any person. For example, debt collectors may not:

-    use threats of violence or harm against the person,
    property, or reputation;

-    publish a list of consumers who refuse to pay their debts
    (except to a credit bureau);

-    use obscene or profane language;

-    repeatedly use the telephone to annoy someone;

-    telephone people without identifying themselves;

-    advertise your debt.

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;

-    misrepresent the involvement of an attorney in collecting a
    debt;

-    indicate that papers being sent to you are legal forms when
    they are not;

-    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;

-    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;

-    send you anything that looks like an official document from
    a court or government agency when it is not;

-    use a false name.

Unfair practices. Debt collectors may not engage in unfair
practices in attempting to collect a debt. For example,
collectors may not:

-    collect any amount greater than your debt, unless allowed by
    law;

-    deposit a post-dated check prematurely;

-    make you accept collect calls or pay for telegrams;

-    take or threaten to take your property unless this can be
    done legally;

-    contact you by postcard.

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 you believe the law was violated.
If you win, you may recover money for the damages you suffered.
Court costs and attorney's 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 collector's net
worth, whichever is less.

Where can you report a debt collector for an alleged violation of
the law?

Report any problems you have with a debt collector to your state
Attorney General's office and the Federal Trade Commission. Many states also have their own debt collection laws and your Attorney General's office can help you determine your rights.

If you have questions about the Fair Debt Collection Practices
Act, or your rights under the Act, write: Correspondence Branch,
Federal Trade Commission, Washington, D.C. 20580. Although the FTC generally cannot intervene in individual disputes, the
information you provide may indicate a pattern of possible law
violations requiring action by the Commission.

The Top Web Sites
For unsecured loans and ways to raise money for good or bad credit:
Click Here

Guaranteed Credit Cards
VISA - MC
If you have Poor Credit, No Credit or even Horrible Credit -
now you can get a guaranteed Unsecured VISA or MC:
Click Here

Note: If you have bad credit:
For the Complete
List of Credit Cards for bad credit - VISA and MC
It's getting hard to get a credit card again as money gets tight!
Click Here

_________________________

Bad Credit Homeowners
Click Here To Apply
Your answer usually in 24 hours or less.

Personal Loans - Canada and USA
Up to $10,000 with a quick answer.
National company with impeccable record.
USA or Canada! Safe and Secure
Apply online now! Unsecured Loans - Click Here
________________________

Remarkable! Latest Technology! Now Available!
CNN says this is the new way to get out of debt.
If you can't get a loan, you just ask for the money you need!
Get Donations from around the world that you never pay back!
If you really need the money.
Read the report from CNN
As well as several other news articles about this innovation:
One woman got over $20,000 in just over 20 weeks!
DonateMoney2me.com
Click Here

Unsecured Personal Loans
Options for no payment for 6 months!
Or interest only payments for first six months.
Bad credit welcome and always approved!
Click Here
_____________________________

Totally New Concept!
The Newest way to get an unsecured loan -
Not from a company but from an ordinary individual!
People lending to people. Private Deals.
It's going to change the way lending is done.
Private Deals from Private People!
Click Here
______________________________

Special Note: Please read this! -- This is very dangerous to your credit!
Avoid the credit check pitfall!

Before you start applying everywhere, realize this:
2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged.
Here is how it works:
If you purchase a copy of your credit report in advance,
a lender can pre-approve you with a faxed current copy of your credit report. If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you.
Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or three or more!
Note: when you purchase your credit report, it does not show up as an inquiry!
It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports. You really need to bite the bullet and find out what's on your credit record!
As reported on CNN, NBC, ABC, CBS, and Fox News,
.................a recent study showed 79% of all credit reports
have some incorrect information.
Incorrect information can cause you to pay more in interest, make it difficult to get a home or even rent an apartment and much more!
To order your credit report and get it instantly online: Click here
Be sure to get the one with all 3 credit bureaus reports as you will need all three.

Free E-Book VipCredit Handbook
(this is not the one you see advertised all over the web, this is a concise up to date handbook)
Good news!!
Our new free E-book does not have to be downloaded!
It is web based and comes up in your browser, give it a minute to load.
You need this information to make in this credit society!
"It's terrific!"
It's absolutely FREE!
Click Here

Questions?

Contact: Support - go to our help desk: Click Here
Because we receive so many emails a day, and have so many different services,
we may need additional information to find your records and/or to respond properly.
When you send in your comment, please be specific and if you are an existing member,
send your member receipt number.
If we get an a message that reads something like this: "How long will it take?"
It is hard for us to know who sent it, what it pertains to and how to reply.
Be specific as possible. We get questions about many different services.
The more information you send the faster everything goes.

__________________________________

Our Privacy Policy

We will never sell your information. We do not share ANY information with outside parties. To prevent unauthorized access, and ensure the appropriate use of information, we have appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We use return email addresses to answer the email we receive and you have the option to "opt out" of our contact with you in the future. Such addresses are not used for any other purpose, are not shared with outside parties, and are never sold. Your information will not be kept on file after 6 months. It will be destroyed at that time.

Visit Soft Touch Albums and Nik Naks
for home-crafted photo albums, baby items,
toys, clothes, and lots more!
$2.00--$14.00
Click Here