Pay the debt when you have no money or work using only his brain and imagination

The attempt to resolve the debt during a depression will have to change their thinking from "traditional" to "survival mode" and learn to work with what you have. Consider your situation, decide on a plan of action and then to me that you can do!

Consider a worst case of being unemployed or very little savings, bills piled up, creditors and call the collection of ads in the phone box is a good starting point. In fact, this is the casemillion unemployed workers who are at Neverland.

He arrived at Neverland because the banking system and large corporations made a "debt trap" that has captured the majority of the population in an endless cycle of paying your debts. The trap worked so well is the opposite of Wall Street and led the "economy to its knees.

The Tinkerbell effect was launched and the largest government bailout in history the world has been launched to save those who were "too big to fail."Even in a fairy tale that does not expect executives to be awarded millions in bonuses for their harebrained schemes that ruined the economy, but it happened.

What magic Tinkerbell was prepared to make a "pink slip" in a way to pay? no doubt he would retire an old book called Fair Debt Collection Practices Act, where all the secrets that protect people against the banks and their dark counterparts, the collectors arehidden.

Since banks do not actually lend money to the escrow accounts are not lost when you stop paying credit card debt or other unsecured loans. After six months of salary, type your account, take a tax deduction for the alleged loss of data and then sell the old account to a debt collector.

A debt collector's work is "huffing and puffing and blow your house, but the only way to carry out its mission with a contract.try to go to "admit" that the money you and your entry will create a contract.

When a collector calls, the phone tries to get the recognition that actually owes you money, so say the magic words "to communicate with me only in writing," and hang up the phone and nothing else!

After beating on the phone that will send you a trick "collection notice" saying that "must" disclose in writing to his office, must "assume"the debt is valid for a magic card that requires "proof" that you owe nothing. Be sure to keep copies and send it by certified mail, return receipt requested.

You can beat the nightmare of trying to "pay the debt" by taking steps to make the magic happen. You can live happily ever after or you can do "nothing" and let the boogie man will come after. More blessed to give than to receive in order to give the letter of dismissal and tell him "Have a nice day."

Stop Collection Agency Harassment

Because debt is not automatically subject to pursue, threaten and other agency charges of inappropriate behavior. Some collection agencies go too far with what I call "renegade collectors" repeatedly calling from your home and / or economic, is likely to send a marshal to serve well to demand documents or send letters of intimidation, claiming to be from a lawyer or the Law Society, which indicates that you lose your car, wages and other assets if you do not pay your debt! not matter that you failed to pay a debt or can not afford to pay the debt at this time no one should intimidate, threaten or harass you or force you to give personal or financial information. collection appropriate procedures can be intimidating to pay for the costs that might not be your only responsibility is protected by the law of improper collection procedures.

The Federal Council> Fair Debt Collection Practices Act, the City of New York Consumer Protection Regulation Law 10 and New York State Statute, General Business Law Article 29-H, (the "State Statute) prohibits all threats , harass and intimidating collection procedures. For example, the law prohibits a State from the collector (a) the threat of communicating with your employer before the agent to obtain a ruling against you, (b) communicationwith the purposes of the family or household or with sufficient frequency in unusual times, such as may reasonably be expected to be abusive or harass, or (c) simulate any court order or legal process appears to be authorized, issued or approved by government or an attorney to collect a debt.

On the other hand, if the collection agent sends you a letter asking to be paid without notice reuired under federal law with respect to privacy, the right to dispute the debt andgiving is the case for 30 days to respond, then the debt collector is automatically liable for damages plus three times the amount of compensation. Any violation of the Statute of the crime of state is a separate offense. You can file a complaint with the Attorney General or County Attorney and also request a restrictive action against the company's library to prevent abuse and harassment.

If you feel abused or harassed by a collection agency, called the agency and obtain the name and address of the owner or president. Send your complaint in writing, by registered letter with acknowledgment of receipt, the owner / president and include in the letter that "they believe the agency is violating the Federal Fair Debt Collection Practices Act and state and local laws and others that it is (a ) to submit complaints to the Attorney General or district attorney's office (subjectingrecovery companies> to misdemeanor charges) and (b) request a restrictive action against the collection agency. "If the collection company continues to abuse and annoy you, then go ahead and file objections and complaints.

This article is not exhaustive and is intended only as a brief explanation of the legal issue presented. Not all cases are equal and you should consult an attorney if you have questions aboutlegal issues.

Any questions or comments about this or any other matter, please contact:

Law Offices of Susan Chana Lask

853 Broadway, Suite 1516

New York, NY 10003

(212) 358-5762
Susan Chana Lask, Cav. c 2004

Stop debt collector harassment

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.

Practices in Fair Debt Collection Act

The Fair Debt Collection Practices Act (FDCPA) is a law that has been added to the Law on Protection of Consumer Credit by Congress in 1978. The FDCPA sets guidelines for debt collection practices to protect consumers from abuse, allowing the validation of the alleged debt, and guarantee the rights of consumers. The FDCPA regulates many different types of debt collectors, whether an agency,individual or a legal practitioner. As a producer or consumer, understand the rules contained in the FDCPA will help you decide the best way to approach a debt situation, if you are the debtor and the creditor or collector.

Practices prohibited by the FDCPA

The FDCPA prohibits debt collectors to pursue a course of conduct or practices deemed unfair or unethical. For example, debt collectors may contact the debtor during the"Normal", defined as the time from 8:00 to 9:00, unless permission to do otherwise by the debtor.

In general, the rights of consumers are heavily guarded by the FDCPA. According to the statute, the debtor can force a collection agency to refrain from further contact with a simple written notification. The only exceptions to this rule are the following: a) notify the consumer that collection efforts have ceased, and b) notify consumers of any other action, as a cause, thatcreditor intends to follow.

Other practices prohibited by this law include, but are not limited to:

Publication name or address of the consumer in a list of debtors

With abusive language,

How to contact third parties in connection with the debt (such as family, friends, neighbors, employers, etc.), and

Contact a consumer who is known to be represented by counsel.

Protocol required by the FDCPA

The FDCPA also requires debt collectorsprovide some information about themselves and the creditor they represent. Should be identified and the creditor, the name and address, to inform consumers of their right to dispute the debt, and provide validation of a debt in the event of a formal complaint.

The debate on the FDCPA

The process of debt collection is closely regulated and very technical. The provisions of the FDCPA are imposed by the Federal Commission. In addition, violations of the FDCPA also allow interested private citizens (s) to sue for damages up to $ 1.000, as well as damage caused by the breach.

Not everyone is happy with the FDCPA as it is, anyway. In fact, this law has been subject to criticism from consumer groups and industry representatives. In the first case, consumer advocates believe that the sanctions allowed by the FDCPA are not adequate deterrents to illegal collection Practices>, partly due to the fact that fines are not extended to inflation. Moreover, the collection industry complains that the rules of the FDCPA to promote long lawsuits, and heavy on minor technical details, and therefore prevents their ability and right to collect the debts valid legitimate.

For more information about the Fair Debt Collection Practices Act, or to learn more about managing> Of the debt as a debtor or creditor, business trips to the lawyers' s in Austin http://www.slaterandkennon.com Slater and Kennon.

Medical Billing Regulations

What is the main purpose of medical billing? Well, it's just to make sure that the service provider receives a fair payment for services rendered, and ensure that the payment was received on time. The procedures for medical billing are governed by certain laws. What are the main laws that govern medical billing? These include the following three laws;

Fair Debt Collection Act

The Health Insurance Portability and Accountability> Law

The Privacy Rule

Fair Debt Collection is a federal law that determines how and when to collect a debt.
This act is to protect all patients and other consumers of illegal threats.

The Health Insurance Portability and Accountability Act of 1996, better known as HIPAA, was enacted by Congress in 1996. It has two titles.

Title I of HIPAA regulates theavailability, scope and plans group individual health insurance. It amends both the Employee Retirement Income Security Act and the Public Health Service Act This law also prohibits any group health plan for creating eligibility rules or deciding of insurance premiums for people in the plan based on health status, "the story of medical information, genetic or disability. So the title insurance protects the health of workers and their families ifchange jobs.

The second title of HIPAA contains a part that increases the efficiency of sharing health data for financial transactions and protects the privacy of electronic data and confidentiality of patient data. All providers of health care are invited to submit claims electronically in accordance with the act of receiving payment. This includes the electronic transmission of major financial and administrative operations, including electronic invoicingprocessing of claims and advice. various offenses related to health care and criminal penalties are defined. Besides the creation of several programs to control fraud and abuse in the health system that imposes sanctions when rules are violated.

The Privacy Rule regulates the use and disclosure of protected health information (PHI). PHI is information about the state of health, the provision of health care or payment for health care may be related to an individual. Anyperson who believes that privacy policy is not accepted, may file a complaint with the Department of Health and Human Services Office of Civil Rights.

How to get debt collectors permanently

Debt collectors are liars, cheats, etc. .. Take advantage of every loophole possible and even break the law. Were present in almost all news programs on CNN and 60 minutes. There are laws to curb harassment and collection efforts and make this process more civil, but the figure increased the risk of being caught is minimal and the rewards to cease the harassment and theft of victims is much higher. Now we have the power to take backour lives, stop them in their tracks and sue them for more than what they are trying to collect.

First, let's start with what is actually owed and how most collection agencies work. In general, an unpaid debt is sold or given to a collection agency. 95% or more of these debts are credit cards, store cards, gas cards, etc. .. These debts are then tiered according to age of debt, the amount, credit, work history, etc. .. Generally most debts are bought forcents. the recent debt can range from $ 0.15 to $ 0.25 on the dollar, while the historic debt that has had numerous collection attempts goes for $ 0.05 or less and debt that is beyond the statues of limitations for the state the debtor resides go for less than $ .01. For example, if you had $ 10,000.00 in credit card, the collection agency paid more than $ 2,500.00, but probably paid less than $ 1500 for it. Now, the interesting thing is thatcall and write you stating that now I have $ 14,000.00 or less, stating that it has accumulated interest and questionable various committees. All this is useful if you're dumb enough to pay that. A fair solution would be $ 1,700.00 or less. So the point here is that never be what they are trying to get you - it is always much, much less.

Secondly, we will give some more ammunition - The FDCPA 1977 (Fair Debt Collection PracticesAct) does not confer rights to the debt collectors will tell you. If you do not want to hear from them again, easy. Just write a letter saying he wants to make contact with you (be sure to put in the letter that - PS This letter is in no way an acknowledgment of debt above which (s) - so you may not even groped by try-l'età debt (add another 7 years of data collection and communication for more information) harass. Send back tocertified mail, return receipt and keep your receipt. If after this contact for any other reason to say that or drop the issue or taking it to court (99.99% did not go to court because it costs them more money and your chances of getting something is almost zero - even a sentence), then you can sue for $ 1,000 each occurrence. People win these games every day - most settle out of court for much more than the original debt(Just search the Internet to small claims court). You also have the right to dispute the debt and the debt collector must provide proof. Many collection agencies have been sued by many debtors for their failure to provide proof. Just look at the acceptance of assets on the Internet - are one of the worst violators of this federal law, with thousands of cases pending for harassing collection practices debt.

Therefore,now you know how to stop collection agencies debt in its tracks. You know how to get relief - that cause! If enough people demand things change. Also the use of state and local resources. State attorneys general to pursue debt collection agencies that routinely violate the law, consumer protection agencies (Better Business Bureau, etc. ..), the Federal Trade Commission goes after the worst abuses, and of course The State Insurance Departmentfinances (actually these licensing agencies rto operate in your state.) You state department of finance and insurance, or similar, has the power to fine, punish or even expel from the debt collection agency in your state. Every state requires that a collection agency debt for a license and put a financial bonus of great size (about U.S. $ 50,000) to operate in your state. To call these people if you have problems with a collection agency debt - isimmediate results in their favor. Do not threaten the collection agency that has these rights - use them. Bring the knees collection agency if they are violating their rights.

The other problem is are these bills, debts even correct? Many hospitals, doctors, etc. .. Ethics and bill patients deliberately do not double or triple, even without insurance, because they know they can get away with it. If you have any questions about your request for an itemized billand have been professionally reviewed. This will reveal things like overcharging ($ 100 tissue boxes, 1000 percent markup on medicines, etc. ..) We entrust these hospitals and doctors with our lives and then have a life of double billing or worse. There are a policeman from government hospitals. Many times a debt collector will actually make a debt or illegally pass one to you by someone else (Asset Acceptance has been sued so many times). Do not assume you have to pay any debt and take them to task. If needed, pay, but pay the least amount possible, and pay on your terms. If you break the law - make them pay!

If you have a problem with a bill discloses that its policy of state. If enough people do this things will change. Write to your local newspaper, says a friend, make a statement. Tell others of their rights. packs of cigarettes come with a warning - not debt collectors and debtCollection Agencies> with its high propensity to skirt the law also come with mandatory warnings? The more the voice, the better the chance that something will be done on it.

Junk debt and You

Debt buyers do not want are a group of investors, lawyers, the speculators who are bidding to banks, credit card companies and anyone with a significant number of customers on their books that I have still old debt .

Now we know that for certain obligations, such as credit cards, gas cards and business cards, most customers are classified as "open end of the debt" to the Truth in Lending Act How does this affect your daily life? Well, read on my friend andget a lesson in economics that could not have ever known.

When we say "to open debt" we are talking about the types of accounts you never know what your monthly payment will be. For example, you can upload ($ 50.75) per month and next month could be charged ($ 33.56) .. So the open end of period debt is what it says.

Now, here's how you get in your daily life and how the junk debt buyer to come into your life. Open End Debthave a prescription. This means that there is a specific time period for the duration of this debt can be legally harvested. In Florida, SOL exactly accurate (4) years from the time a debt for the first time in the afternoon and was not involved.

Other states have different statutes. But every state except, or that do not have laws on the books of the duration of this type of debt can be legally harvested. This is where the buyers of junk debt circleblood. "

Most of these entities are composed of lawyers who understand the law. For example, if you are sued to collect a debt that has survived the prescription, your only defense is that you must appear and defend in the courts by referring to that particular debt as a "time limitation by law." IF you miss it, see what happens. Here is a debt that does not legally, but the junk debt buyerbought this debt for pennies on the dollar, won a ruling against them by default. Therefore, do not appear, these sharks are granted (100 U.S. cents) per dollar for something that only a few cents. Example debt of $ 5,000.00 to buy for $ 150.00 and $ 5,000.00 is qualified, because it was presented and defended.

Although the law is on your side, you still have to appear before the court. Now, here comes another action. Once the junk debtthe buyer has purchased this debt, they know they probably do not have legal representation. After all, you do not have enough money to pay the bill, as you have the money to afford a lawyer. Here's their ploy.

You will receive a letter written on letterhead of an attorney. It 's more or less well. "Hello, we bought the debt of € 5,000.00, which is due to ABC Blanca. In an attempt to help overcome this difficult moment of his life, we are willing toaccept $ 2,500 as a gesture to help. If you sent a check for the amount of $ 2,500 today, we will consider this account as "Paid In Full" and notify all credit bureaus that this account is resolved. "

Wow, what a deal. First, they are deprived of their rights under the Fair Debt Collection Practices Act and now gives the option of paying $ 2.500 for a debt that is not legally owe. Remember, when you're bank robbersnot caught, given the use of recipes. In other words, if you remain free until the laws are enforced, can not be processed.

Your consumer debt follows the same logic. Now that you know some of your debt collection can not be legally, what are you doing? Well, many of these answers are provided on our website thecreditprofessors.com