Through no fault of their own, now find yourself way over your head for an amount of credit card bills. If you emphasized. Not sleeping well anymore. Have you been good and have paid their bills on time, even more than the minimum amount due. One day he went to work and before dinner, they were "pink slipped." No alerts. Only "a job well done" but no longer needs you.
After a few days to hand wringing, finally get the courage to thinktheir debts. The priorities are now required. The roof over your head, to pay utilities and gas and food, of course. That leaves little more and the decision to decide which unsecured creditors will be paid to do. The rest just have to wait until another job.
A few months later, the phone rings. Taxman. And I'm not nature. Require voices. Always waiting for the money. You do not have to sell. These collectors are like wolves huntingto hunt their prey as possible.
What are you doing? The answer is a phone call away. But first, you need to know their rights when dealing with angry individuals. Here are some of ... (According to the Fair Debt Collection Practices Act) of debt. ...
... You can call at 08 am-8: 00. Collectors can not send mail to court documents indicate.
... You can not have you arrested. Unpaid debts are a civilianmatter, not a criminal.
... You can not tell anyone about the outstanding debts.
... You can not contact by phone, if not say no to track this request in writing.
... You can not sue. Only the creditor can sue, if they choose.
Are you being chased by debt collectors, do not give them any information. You are in control. Once they are given information they need to relinquish control to them. Saiowes to creditors. But you do not have anyone trying to collect overdue bills.
Keep a record of any communication you have with anyone with regard to unsecured debts. If you need to file a complaint against any collector, you will not have to rely on your memory.
There are bullies everywhere, and modern collectors are bullies. Credit card debt is at an all time high due to a rising unemployment rate in the United States. Businessis very good for all collector. Should be good for a very long time. Because the money is big business. Creditors know. Collectibles know. No fumbled to reason with them, are not reasonable people. I am very unethical, morally dubious and excel in the harassment.
In a nutshell. Money talks. If you do not have money, debt collectors can not hear. Ignore them and go.
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