Do not allow collection agencies to get the best!
collection agencies and collection attorneys are the worst kind of companies are bottom feeding scum of the earth Collection. lawyers are not part of the legal community of their own colleagues are not affiliated with them because they have the same bad reputation . pray recovery agencies who have fallen from grace and can not pay their billslegitimate reasons. They argue that companies are saving, helping to recover the money lost, in fact, are destroying families, causing people to lose their jobs and making those who can not afford the expense, to die of hunger! This information is distributed for the first time, to protect consumers against the common tactics that debt collectors are trained to use. Everyone should know these tactics, since it is likely that one day a collector will call you.
Firstknow is that the debt is not your friend. In fact, they start lying from the moment they tell you their names. Almost every collector uses an alias to avoid that people know his real name. Why you ask? I do not want to go there and search the name or phone number and phone book and start harassing the home as they do for you. Another form of deception used in the name of the company. It 's very common for a collection agency to hire aname that seems to be that of a law firm. A common example of this would be "Anderson, Crenshaw & Associates," or "Goldman, Franklin Phillips and Associates." Whenever you see a name like that in a memo or an answering machine, ask for the bill collector to identify the number of bars. A number of bars is the number assigned to each lawyer as they pass the state exam. If you refuse to provide a hand, am not a lawyer and can not do anything but make empty threats.
Nodo not let that scare you, claiming that they will recommend legal action. Read and listen carefully. Every time a collector of tips, tricks, their legal department is known "is a bluff. E 'against federal law for a debt collector to threaten him with legal action unless you really intend to go ahead with this threat within 30 days. But can advise what they want when they want. This tactic is commonly used with an expiration date and time.If a fan of the law is given a deadline to pay the bill or call back, call his bluff and another word will come next month. Know that the collection of Bill and commissioned at the end of the month in which spiffs and bonuses are actually earned. If a vacuum cleaner bill says that you have requested or to do something within a certain time, ask them "why or what will happen?" I guarantee you will come with some lies and false to try to blow the smoke through the phone. Legalthe action is almost always preceded by a letter of request from an attorney in the collection. This letter is something you should pay attention, because it is usually followed by an application.
Knowing that the collector has no authority to garnish wages. Only a judge can have his wages garnished. If a vacuum cleaner attachment wage bill is likely to request a copy of the ruling against him. Even in this case only a judge can have his wages garnished, and this is a process that has received an opinionagainst him. If a debt collector sends information to the employer about the debt, violated the Fair Debt Collection Practices Act, a federal law that establishes the rights of debtors to creditors, collection agencies and collection attorneys. Wages can easily be arrested for not paying child support, student loans or taxes, but it is difficult and expensive to conductany other debt.
Never give your information to a collector. Do not give your name, phone number, information to employers, nothing, if you do, you will use it against you later. A common trick of a new bill collector came up with is ready to send a "hardship waiver" form. This form of relief from the discomfort is simply a generic form for requesting personal information will be used against them. They say that if you fill out this form, youcan get some of their debts reduced or even dismissed by the original creditor. If they refuse to complete the form, then the state of the debt I have and the payment due immediately. This is a very effective trick because most consumers think they get something in return for a few minutes of your time. In fact, you are giving all the debt they need to use against you. This form of waiver requests are most often difficult to learn about all your contactsinformation, address information, contact information for close relatives, employer information, current income level and asked to verify the information you have received the original creditor. Again, there is no such thing as a form of exemption from the difficulties and will never be used to help reduce debt.
If you gave them your contact information, you call the numbers do not stop. It is not unknown for them to call 10-15 times a day. If you give your nextInformation relatives, call them non-stop and leave messages. I also heard a neighbor call and tell them they have an emergency message need delivered to you. If you give the agency collecting the information to your employer, you must wait for a letter sent to his chief work. This is another way to be completed by the employer to verify employment status, and be signed by the debtor. The reason they make you sign this form isto scare you and let you know that your boss knows that you do not pay their debts. Although the lines of this tactic in the gray area of the Fair Debt Collection Practices Act does not violate, and do not provide any information about you, but we are asking insinuating the employer as they are in touch.
Another common tactic is a bill collector is used when you start taking disparate orare not trained and used your credit report against him. They say if you do not pay the debt, ruin your credit report. It is likely that the debt has already appeared on your credit report and no harm can do to your credit score. From here, the only improve your credit score is 7 years of waiting for her to fall off your credit report or pay the debt. If you pay the bill in full, because it is screwedwill not help your credit score than if it had debt of debt. When you pay the debt, the account must be updated to all credit bureaus that the debt is paid with a balance of $ 0. The number 9, which would take as a charge off your credit report will be amended in a number of 5, which means that the debt has been satisfied and paid no more balance. If the debt is discharged, the number 9 again changes5 numbers and your credit score will increase in the same way.
Often a smart collector that the debtor does not work with the collection of the debt resolution company. Again this is another lie, the collector has a willingness to work with someone who has the ability to pay debt is included in. The reason I say that will not work with a company debt settlement company is to undermine the settlement of their client. If you become acollectors victim of fraud, you end up paying the agency to charge more than they should. If you refuse to believe the lie, then the settlement company can stop harassing phone calls. Remember, debt collectors work on commission, why the collector is going to work to earn their commission.
If you have problems with debt collectors harassing you or a collection agency to put negative information in your credit reportshould not try to tackle this problem alone. The biggest mistake a consumer can do when it comes to a collection agency is trying to take care of themselves the problem. Debt collectors are highly trained people who know how to take advantage of the "consumer awareness. Maintaining a settlement company debt is the smartest decision you can make because the Settlement debt collection companies to reduce debt by negotiating an agreement.One company reviewed a settlement company is legitimate debt FH financial services company headquartered in Dallas, Texas. FH Financial has a solid reputation with the fewest complaints to the Office of Best Practice business of any company debt settlement which has been in business for over three years. I have also revised their agreement to pay the debt of the program and are the only company that has a money back guarantee, which says a lot for me like no othercompany guarantees its work.
No comments:
Post a Comment