Many of you have passed the point of negotiating with creditors and are in a situation where the phone rings every day, by mail (sometimes certified) comes to your home or office and you may even have been served with a demand. There are several things you can do to protect itself, its funds and credit at the moment, but you must be diligent about how they approach each scenario. Take one at a time.
1) Stop Collectors Calls - This is notrequires much effort, but it is essential for maintaining a calm state of mind in difficult moments. The FDCPA (Fair Debt Collection Practices Act) provides relief for those of you who need to stop nuisance calls to your home or workplace. In particular, the first thing I do is stop the phone calls. To do this you need the address and perhaps the fax number of the collector or creditor with the account number orreference number assigned to your case.
Once you have the address and fax or construction of a simple point. Be sure to send the certified mail receipt requested. The calls will stop and if not, you can send a copy of the receipt of the letter and return to the FTC and / or state agency to help with compliance.
To: Company Name
From: Your Name
Date:
Re: Account # or Reference #
Note that according to the FDCPAsection805 not want to be contacted by phone at home or at work for any reason. Also please accept this letter as my written dispute of the alleged debt as required by law, we respectfully request the following.
1) A copy of the original contract signed (if applicable)
2) A copy of all invoices and / or statements (and income if the credit card debt)
3) copies of all payments that have my signature
4) Copy of notices of claim (libraryletters / notices of delay)
I hope these are sent via U.S. Mail for within 30 days of receipt of this letter.
Thank ______________
2) Dealing with complaints - It 's important to remember that in most states a sentence can be picked up (run) for a maximum of 20 years. You can only stay on your credit report for 7 years from the grant date (the date on which the court gave the verdict against your creditor for you.) Do not ignore a lawsuit, arguing with the judge orcreditor or take it lightly. In most states that have a specific time to "respond" to the complaint. If you do not answer most of the states enter into a sentence in absentia against him. This means that it is not known and that they (the creditors) has won. Game over.
But the best thing you can do is talk to a lawyer. Be sure to file a response through his lawyer if you can afford. Most lawyers work with you and will help protect at least one defect. The next step is to determineif the debt is actually needed or not. If you have your attorney can negotiate an agreement and payments they can afford without breaking you. If you can not defend. If you used that letter and never received the required documentation and then complain that they have a defense and the need to show your letter and return receipts to the attorney. If you have not used that letter before the case was not filed until an adequate response was affirmative defenses. If you can not afforda lawyer, however, we recommend that you consult a search and then the rules of the Member States of Civil Procedure. You will need a form with the answer and affirmative defenses, perhaps, the motion for dismissal. Even then only a phone call from a lawyer here can be 10 times worth its weight in gold.
More importantly, do not ignore it. Please do not contact the creditor or collector on the phone once served and do not lie to your attorney in any part of it. Can not help if you stopinformation out. If you act promptly in arrears and therefore will not have a say in your credit report by destroying their creditworthiness.
Dealing with aggressive debt collection notes (Read the law cited above), patience, diligence, and in some cases professional help. Remain calm, do not solve anything or make promises you can not continue to keep them out for a week or two. That will not help you later.
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Steve blisk
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