As a professional in the field of debt settlement within long, I have written many articles related to the crime of credit card debt and the procedures used by bill collectors also highly unethical. It's been a long time since I felt the need to return to putting pen to paper and provide additional information about this topic, but a recent event led to the desire to provide consumers with information on the practices employed by some project lawcollectors.
Last year I spoke with a woman who was interested in solving their bad debts. Unfortunately, this potential customer has chosen to deal with debt in itself, and the end result was not sure she did not take initiative at the right time to contact the creditors. For this reason, their accounts have been outstanding for more than a year with little communication between the debtor and its creditors.
Obviously, thisaccount balances of people just do not go away and finally, the accounts have been transferred to a collection agency. A collector calls this person in your workplace, and was quite upset and belligerent, so the potential customer informed collector who could not speak, and should hang up the phone.
Interestingly, after two hours he received a second call to work - this time by those who thought he was an employee ofMortgage Company. You see, the caller said: "This is Belinda from the mortgage company, call just to give you a warning. We have just received a call from a collection agency stating that soon put a link to your property to. Yes, it can raise interest rates. We do not want to do this, so if you are able to pay this afternoon they said they would not put a lien on the house. "
Receiving this type of call is sure to rattlecage of the average consumer, right? So, the next step was to call me. Well, I've heard certain that a lien can not be placed on a property unless a lawsuit was filed, and the award. My client (who decided to take our company in this period of time) informed me that she was not aware of a claim. It took me gently and calmed down from this point. I called the collection agency and talked to a collector so angry, I was not happy that she could notmore harass my client, and instead was treated to a professional who knows the pros and cons of debt collections and arrears. We were able to receive phone calls to my client was stopped, and eventually settled the debt for 25% of the balance, the payment card credit debt with the original creditor.
Before the end of us successfully, however, it was learned that the mortgage company call actually came from the collector. The billcollector has been going through the mortgage company official in an attempt to scare our customers, to resolve the debt and obtain a well-deserved. This story does not end there, of course, we will continue the debt collection agency, by contacting our customers Attorney General, and also reported the conduct of the Federal Trade Commission. After all, the Fair Debt Collection Practices Act (FDCPA) exists for the benefit of consumers andno reason to accept this type of abuse by debt collectors.
If you have been harassed by a bill collector, please consider carefully the FDCPA laws, and certainly do not believe everything a collector says it is his job to collect the money and unfortunately now many collectors will do everything to .
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