Alabama Consumer Discusses His Experience With Being Sued By Debt Buyer LVNV

An Alabama consumer discusses his experience with being sued by a debt buyer LVNV and working with us at Watts Law Group, PC. If you would like more information you can go to our main website at www.alabamaconsumer.com or our suit devoted to debt collection lawsuits at suedbyadebtcollector.com You can request our free report on Debt Buyer Secrets. We wish you the best of success! John Watts

FDCPA Lawsuit - Before You Meet With Your Consumer Attorney

Before you go and meet with a consumer attorney to discuss a potential case under the Fair Debt Collection Practices Act (FDCPA), you should gather your information so you can clearly lay out what happened to you. This will enable the consumer lawyer to accurately help you and advise you. If you live in Alabama and have further questions, I invite you to pick up the phone and call me at 205-879-2447 or visit my website www.AlabamaConsumer.com or http You can also request our free book on Stopping Abusive Debt Collectors. John Watts Birmingham, Alabama

Know Your Consumer Rights

www.newday-lifestyle.com Don't Be A Victim Of The Current Economic Crisis. Turn The Tables On The Banksters, Collection Agencies, And Other Crooks! Get Rid Of Your Credit Card Debt, Clean Up Your Credit, And Make Debt Collectors Go Away? And Make Money Doing It

Consumer Debt Protection

Dave discusses Fair Debt Collection Practices

Consumer Financial Protection Efforts: Answers Needed (Part 1 of 2)

Consumer Financial Protection Efforts: Answers Needed (Part 1 of 2) - House Oversight - 2011-07-14 - House Committee on Oversight and Government Reform. Witnesses Elizabeth Warren, Assistant to the President, and Special Adviser to the Secretary of the Treasury. Video provided by US House of Representatives.

FDCPA - An Example Of Third Party Contacts To Harass A Consumer

We talk about a debt collector who was very bold in violating the Fair Debt Collection Practices Act (FDCPA) - he said "I will call your neighbors and family members and harass them over this debt while you are sitting at home not being called."

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Overview

“West's Encyclopedia of American Law” is 13 volumes and 5,000 entries of comprehensive information on the fascinating American Legal System and its components. Covering historical and current terms, concepts, events, movements, cases, and persons significant to U.S law, West’s has been written, updated, and reviewed by lawyers and professors with the everyday user in mind. Everyone from the layperson hooked on the weekly TV courtroom procedural to the serious student can find such valuable information as brief definitions of legal jargon, exhaustive examinations of courtroom procedure, explanations of complex topics such as civil rights, biographies of standout attorneys, analyses of controversial issues, and transcripts of crucial Supreme Court decisions.

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Pittsburgh consumer advocate, Jeff helps consumers Suher action collectors!

News of a consumer suing a company for debt collection and won! Collectors can be forced to pay. Collectors are required to comply with the Fair Debt Collection Practices Act, but sometimes I just do not care!

Pittsburgh lawyer consumer, Jeff Suher helps consumers collectors action!

News of a consumer who has sued a company for debt collection and won! Debt collectors may have to pay. Debt collectors must comply with the Fair Debt Collection Practices Act, but sometimes they just do not care!

Contact third parties - The last step is to call Consumer Advocate

Consumer Advocate John Watts advised that the last step in the treatment of abuse of debt collectors seeking a third party to contact an attorney with experience in the consumer to know your options. When you're a victim of abuse contacts by a third party collector bill, and after obtaining a declaration of party contact, the last step (if not already) is to contact an attorney with experience in consumers know if a claim is appropriate in your circumstances. Feelfree to call us at 205-879-2447, contact us through our website - www.alabamaconsumer.com or visit our website on third party contacts - and also sent www.alabamaconsumer.com www.alabamaconsumer.com our relationship free from the payment of abusive debt collectors illegal to Third Party Contacts - Simply contact us to request this information.

CONSUMER PROTECTION: An entry from Thomson Gale's <i>West's Encyclopedia of American Law</i> best price !

Overview

“West's Encyclopedia of American Law” is 13 volumes and 5,000 entries of comprehensive information on the fascinating American Legal System and its components. Covering historical and current terms, concepts, events, movements, cases, and persons significant to U.S law, West’s has been written, updated, and reviewed by lawyers and professors with the everyday user in mind. Everyone from the layperson hooked on the weekly TV courtroom procedural to the serious student can find such valuable information as brief definitions of legal jargon, exhaustive examinations of courtroom procedure, explanations of complex topics such as civil rights, biographies of standout attorneys, analyses of controversial issues, and transcripts of crucial Supreme Court decisions.

Check best price for CONSUMER PROTECTION: An entry from Thomson Gale's West's Encyclopedia of American Law and free ship now!.

>>> More details update!! <<< Before out of stock.

Recommended Products

CONSUMER PROTECTION: An entry from Thomson Gale's <i>West's Encyclopedia of American Law</i> best price !

Overview

“West's Encyclopedia of American Law” is 13 volumes and 5,000 entries of comprehensive information on the fascinating American Legal System and its components. Covering historical and current terms, concepts, events, movements, cases, and persons significant to U.S law, West’s has been written, updated, and reviewed by lawyers and professors with the everyday user in mind. Everyone from the layperson hooked on the weekly TV courtroom procedural to the serious student can find such valuable information as brief definitions of legal jargon, exhaustive examinations of courtroom procedure, explanations of complex topics such as civil rights, biographies of standout attorneys, analyses of controversial issues, and transcripts of crucial Supreme Court decisions.

Check best price for CONSUMER PROTECTION: An entry from Thomson Gale's West's Encyclopedia of American Law and free ship now!.

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What to do when the rights of recovery of consumer debt have been violated by a collector, Part 1

What if you are pursued by an original creditor, not a collection agency

Much has been written about the legal rights of consumers pursued by agents of debt recovery-3 ° / agencies. Less has been written about the steps to be taken away if you think that your debt collection consumer rights have been violated by a collector 1st-party/in-house work of an "original creditor." The distinctionbetween 1 and 3 party-party collectors is important because the laws apply for different types of creditors.

Step 1: Determine if they are pursued by a part of the crop or a third party collector

Third-party collectors are people / companies contracted by the original creditor to collect a debt. In contrast, collectors in Part 1 are the original collector. For example, if you receive a call from the credit card company after losing a paymentyou are talking to a collector of the first matches. On the contrary, any caller who claims to be a collection agency calling on behalf of the credit card company is a third party collector.

Distinguish between 1 st and 3 rd party collectors share is important because different types of laws apply to different types of collectors. For example, third-party collectors are subject to a federal law called the Fair Debt Collection Practices Act(FDCPA). Typing "Fair Debt Collection Practices Act" in the search engine produces a summary of consumers the right of each to be free of intimidation tactics used by many debt collectors. Unfortunately, the first part collectors are not subject to FDPCA . Are regulated by a series of state laws. Some state laws are friendlier to consumers, while others are considered more favorable to business and debtcollectors.

Step 2: Contact the Office of the Attorney General

Having established that you were called by a first collector manufacturer, contact your state Attorney General's Office to determine what laws apply to debt collectors to share first. You can find any website of the Attorney General by writing the name of your state and the words "attorney general" in a search engine. For example, if you're from Nevada, as "Nevada AttorneyGeneral of the Nation "in a search engine.

Step 3: Using the Attorney General's Office to determine your rights

All attorneys General of the Office to disseminate information on debt collection laws. However, since most cases involve collection agencies debt, you may need to talk to someone on the phone to share what that collectors soon as possible and can not do in your state. For example, this law prohibits Part 3collectors call after 9 pm, calling his job if your employer disapproves of such calls, which are fraudulent, and the use of other forms of harassment to get to pay a debt that may or may not do so.

Unfortunately, not apply to parts FDPCA first collectors, so they have none of the above rights unless the laws in your state to grant them to you. Once certain consumer rights, which can take the same procedure would be for a3 rd party collector is pursued.

Your legal rights are # Step 4: Set limits no matter what

Although the parties before the collectors are not regulated by the Federal Fair Debt Collection Practices and the state offers some "relief of creditors to share in the first place, there is no law that says you should talk to a stranger about their Finance your phone. Therefore, if someone asks you the name of an original creditorcontact you at inconvenient times, harassment at work, or misrepresenting themselves (for example, that claims to be an elected official) to ask him to stop. Despite these tactics are legal, can still be considered unprofessional or unethical. You can also report the action as attorney general, his office and send a copy of this letter to the collection agency.

Step # 5: Keep track of all activities between you and the bailiffs

Keep a copyof all activities between you and a creditor so they can share that information with an attorney, the FTC, the Attorney General and other stakeholders.

Conclusion

When contacted by debt collectors of any type may be one of the most stressful experiences a person can find. However, determining the type of lender you are dealing with, and understanding of the rights of consumers, it may make sense to lower the resolution of complaintsproblem in an ethical and professional.

FDCPA Consumer Rights

Collect calls can be unruly and unprofessional, but not necessary. Most calls involving this type may be in violation of their rights under the Fair Debt Collection Practices Act What I do not know can hurt. Take an accounting of these common tactics are illegal in direct violation of consumer rights under the FDCPA.

1. Asked to pay more than what we have

The collector can not misrepresent the amountowe.

2. Ask you to pay interest, fees, or expenses that are not allowed by law

The collector can't add on any extra fees that your original credit or loan agreement doesn't allow.

3. Call repeatedly or continuously

The FDCPA considers repeat calls as harassment.

4. Use obscene, profane, or abusive language

Using this kind of language is considered harassment.

5. Call before 8:00 am or after 9:00 pm

Calls during these times are considered harassment.

6. Call at times the collector knew or should know are inconvenient

Calls at these times are considered harassment.

7. Use or threaten to use violence if you don't pay the debt

Collectors can't threaten violence against you.

8. Threaten action they cannot or will not take

Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action.

9. Illegally inform a third party about your alleged debt

Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except: Your attorney |The creditor | The creditor's attorney |A credit reporting agency your | spouse | Your parent (if you are a minor)

10. Contact you at work knowing your employer doesn't approve

A collector is not allowed to contact you at work if you've let them know your employer doesn't approve of these calls.

11. Fail to send a written debt validation notice

Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days.

12. Ignore your written request to verify the debt and continue to collect

A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice.

13. Continue to collect on the debt before providing verification

After receiving your written dispute, the collector must stop collecting on the debt until you have received verification.

14. Continue collection attempts after receiving a cease communication notice

If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions.

What Consumer Tools are Available in the Fair Debt Collection Practices Act?

The Federal Fair Debt Collection Practices Act (FDCPA) is a set of legal guidelines that protects a debtor's privacy, as well as protects them from abusive behavior such as being harassed by debt collectors. The FDCPA is enforced by the Federal Trade Commission (FTC), and sets the national standard for collection agencies.

If you are unfamiliar with the Fair Debt Collection Practices Act, the following are common questions and answers about the Act that will cover its main points to help improve your understanding of the rights of a debtor and collection agency.

· Can a debt collector contact you by phone? Yes. However there are certain restrictions. For instance, a debt collector may

Call you before 8 a.m. or after 9 p.m. unless you have permitted the collector to do so.


Call you constantly


Trick you into paying for telegrams or accepting collect calls, or pretend to be someone they are not


Use the phone to harass you, make threats, use obscene language or make negative comments regarding your personal lifestyle, morals or choices.


Contact you if have an attorney. They should contact only the attorney

· Can a debt collector threaten to sue me? Not if it is an empty threat only for the purpose of bullying you into paying the debt. For instance, a debt collector is not allowed to threaten you with violence, or tell you they will garnish your wages or sell your property if this is illegal, etc. However, keep in mind that a collection agency has the right to file a lawsuit against you to collect a debt.

· If a creditor decides to send my account to a collection agency or credit bureau, are they required to inform me of this decision first? Under the FDCPA there is not rule that says you must be notified first. However, the law may be different depending on the state you live in, as some states require that the creditor notifies the debtor first before taking action. Therefore, investigate your state law pertaining to debt collection.

· Can a debt collector contact me by phone before contacting me in writing? Yes. A collection agency has the option to contact you by telephone first if it is there wish to do so. However, within 5 days of the call, the debt collector must send you a written notice of a debt. This notice is required to tell you the amount of money you owe, and the name of the creditor seeking the payment. The written notice is also required to inform you of how to file a dispute if you do not agree that you owe a debt.

· Do I have to put up with phone calls from a debt collector? No. You have the right to request that the debt collector stops making any further contact with you. This can be done over the phone and/or in a written letter known as a "cessation of communication". It is strongly recommended that you write the letter because, should you need it, this provides you with proof that you requested a cease in communication.

Keep in mind that after you make your request, the collector is entitled to contact you one more time for the purpose of informing you (not threatening you) of what action, if any, they intend to take to collect the money you owe. Just remember that this action only stops the collector from calling, it doesn't stop the debt collection process.

Finally, under no circumstances is a debt collector permitted to lie about who they are; the amount of money you owe; send you any false documents; or accuse you of a crime. They must also tell you their name and the name of the agency they are calling on behalf of.

Due to the fact that the FDCPA is your best protection against debt collectors, make sure you thoroughly read the Act, as well as know the laws regarding debt collection in your specific state to provide yourself with the best protection.

Don't forget, you never have to put up with threats or harassment from a debt collector. Therefore, if they refuse to stop calling you, report them to the Federal Trade Commission. You can also lookup the owner of a phone number here to see if you can find out more information about the individual that you can provide in your complaint to the FTC.

Credit Consumer Protection Act is explained in detail

The main provisions of the Law of Consumer Credit Protection found within the Law of Truth in Lending Act (TILA), which requires fully owned bank loan terms offered. The lender must provide a written description in a clear and easily understood, giving the following information:

* The amount of the loan or line of credit

* The interest rate or APR (annual rate) as an expression of the total costborrowing money (in the sense that there should be no hidden costs offset an artificially low interest rate)

* The method used to calculate the monthly finance charge (interest payments)

* The total cost of all payments (ie for a specific amount of loans, no credit)

* All other terms and conditions of the loan, including the payment due date, late fees and penalties for early repayment

In addition to demand transparency from lenders onterms of the loans, the AP also imposes significant restrictions on seizure of wages. wage garnishment is a legal process by which the earnings of a person is withheld from your salary for a part to pay a debt. garnishee wages can be ordered by a court when a person has to pay (no pay) the loan. The PA provides that an employer can not fire an employee because his wages are garnished by one (the employer may dismissif the employee is adorned with his salary for a debt). It also established a legal limit on the amount (which in part) of an individual wages may be withheld from your salary each. Usually no more than 25 percent of the salary of a person can be arrested.

The Fair Credit Reporting Act (FCRA) was added to the AFCA in 1971. It was the first federal regulation to address the credit reporting industry. (Communication Services, also called consumer information organizations orCredit bureaus are companies that collect information and compile the history of consumer credit. The three major national credit bureaus are Equifax, Experian and TransUnion). The FCRA is to ensure the accuracy, privacy and accuracy of the consumer credit practices. De protections contained in the FCRA applies to organizations that sell consumer information about medical history of people (often used by insurance companies to decide whether to extend health insurance toindividuals) and the rent records (used by the future owners.) In accordance with its provisions:

* You have the right to see information in your credit report. Traditionally there was a charge for access to the report, but recent changes allow people to request a free credit report once a year for each credit agencies nationwide.

* The consumer must be notified if information in your credit report has been used to deny that he or shecredit.

* You have the right to challenge any inaccuracies in the report of his agency and the model is required to investigate any case unless they are deemed frivolous or unfounded.

* The credit reporting agencies are required to correct or delete all information about a consumer that is inaccurate, incomplete or unverifiable information.

* The credit bureaus are not allowed to report negative information that is out of date (more than seven yearsold).

* The credit reporting agencies credit report can only give people a person with a valid need to see it as a potential lender, landlord, insurer or employer. In addition, an individual reporting agency must give written consent to disclose your credit report to your employer or potential employer.

Another amendment to the PDB, the Equal Credit Opportunity Act, which was added in 1976, prohibits discrimination against credit providersapplicants on the basis of sex, race, age, marital status, religion or national origin. Implemented in 1978, the Fair Debt Collection Practices Act (FDCPA) prohibits unfair deceptive and unfair debt - collection tactics such as threats, telephone calls, intrusive and persistent, and other types of harassment.

The PA is designed to protect individual consumers. Its larger purpose, however, is to maintain consumer confidencethe financial system and thereby promote a robust economy. If consumers fear being defrauded by lenders, or have no access or control, the information contained in their credit histories, their loss of confidence can make to avoid banks altogether. The widespread loss of consumer confidence could lead to a major disruption in the economy, government institutions, financial companies and consumers have ainterest in avoiding.