This is a new year, a time of renewal and a time of hope. But most of us have heard too much about the economic crisis and how they affect our lives. So our hope must be with a good dose of reality. Perhaps you are lucky enough to still have a job that allows her to live comfortably and pay your bills. For others, the times are hard and accumulate debts.
In this climate, professional debt collection hadtighten their belts too. E 'became much more difficult for them to do their work because people usually somehow get the money, simply can not. bill collection agencies are forced by necessity to be more creative and aggressive.
Lawyers specializing in consumer law have been watching recent increases in the abuse of the Fair Debt Collection Practices Commonly known as the FDCPA, this act is the lawprotects us all against illegal debt collection tactics. In some cases, the methods they use are very intelligent and fear.
In most states, there is a statute of limitations, which sets a limit on the number of years that a debt can be pursued. In many states, is six years. Well, now there's a whole new collection called zombie debt, where the old debt from the dead. You may receive an invitation to apply for the payment of old billswe thought had been buried.
Some collectors contact credit agencies, informing him that an old debt is, in fact, a new one. This is called re-aging debts and gives credibility to their way of shade, since the Office of the claim is recognized as a credible source of information.
Then there is the beautiful promise that a negative mark on your consumer credit report will be canceled if payment is symbolic. Do not fall for it. Your money will be gladly accepted, butreport does not show. Then to make matters worse, the new activity will give life to the prescription, giving rise to new legal threats, perhaps even from another company.
If ever offered a low rate credit card, be careful. This could be the tip of the bait-and-switch, where you can find old loans charged-off attached to the balance due. Of course, the card issuer has been shown that the old debts that come with the card, but borrowers who do not insistdisclosure was ever made.
In this new media world, one of the worst methods of harassment, has become even more unpleasant. verbal abuse was taken to a new level, including requests for sex and the possibility that the debtor should consider suicide.
If you find yourself with a retreat of some of these tactics, there are many things you can do. First, you should be familiar with your credit report, so if the collection agency tries to dig an old debt,you will be able to contest.
If you call at all hours of day and night, even if requested in writing to cease and desist, you must document the calls. Of course include messages and contacts from your phone.
Sure, it may be safer to not only answer the phone. Just talking to the debt collector can reopen the file and the statute of limitations, once expired, will reopen Pandora's box as a file.The caller has no obligation to read their rights.
After being faced with this litany of ugly, could quickly come to the conclusion that you need help. As in most situations, knowledge is a good thing. Your best defense is to know their rights, and lawyers are trained professionals who can make life much easier.
No wandering through this minefield alone, contact a family law lawyer debt as soon as possible. Go online to get alldetails. You will discover the pleasant fact that there is no need for advance money. His lawyer is paid only when they receive compensation for their suffering.
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