레이블이 What Do Debt Collectors Do인 게시물을 표시합니다. 모든 게시물 표시
레이블이 What Do Debt Collectors Do인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 28일 목요일

About 'debt collector company'|Know Your Rights Against Debt Collectors







About 'debt collector company'|Know Your Rights Against Debt Collectors








I               thank               my               lucky               stars               that               I               have               my               own               computer               and               when               need               be,               all               I               have               to               do               is               a               search               for               just               about               anything               and               everything,               and               this               would               include               finding               out               if               a               debt               collection               agency               is               one               of               those               scam               operations               that               one               should               be               wary               about.

Just               today,               in               the               mail,               I               received               a               letter               addressed               "To               The               Estate               Of...(my               mother's               name)"               from               this               debt               collection               agency               named               Estates               Information               Services.

The               letter               was               in               relation               to               an               old               debt               my               mother               had               owed               to               Beneficial               to               the               tune               of               slightly               over               $7,000.00.

When               my               mother               died               on               August               27,               2006,               I               collected               together               all               letters               and               correspondences               that               had               been               addressed               to               her.

My               mother               was               in               debt               for               quite               a               bit               of               money,               over               $25,000.00               from               past-due               credit               cards,               loans               and               other               financial               institutions.

I               wrote               letters               to               all               concerned,               and               mailed               off               a               copy               of               my               mother's               death               certificate,               and               indicated               that               with               her               death,               her               financial               obligation               to               pay               had               also               ceased.

When               Beneficial               itself               wasn't               able               to               collect               on               the               debt               she               owed               them,               they               had               turned               it               over               to               a               debt               collection               agency,               which               was               later               to               be               turned               over               to               yet               another               collection               agency.

Thanks               to               my               newly               discovered               savvy               of               how               debt               collectors               in               general               operate,               this               is               a               very               common               practice,               that               is,               where               old               debts               are               bounced               around               from               one               debt               collector               to               another,               and               I               would               say               99-percent               of               them               are               scam               operations.
               First,               one               has               to               know               one's               rights               and               obligations               about               any               debt               that               is               owed               anywhere.

If               it               is               you               in               question,               and               particularly               for               a               credit               card               debt,               then               yes,               unfortunately               you               owe               that               money               to               the               credit               card               company.

One               also               has               to               be               aware               of               the               so-called               Statue               of               Limitations               and               each               state               in               the               United               States               has               it's               own               listing               of               how               long               a               debt               is               collectable.

This               means               the               length               of               time               a               debt               can               still               be               collected.

One               can               find               out               just               which               debts               are               collectable               and               for               how               long               from               the               Credit               InfocenterWebstie.

Credit               card               debts               are               perhaps               the               only               debt               that               is               considered               an               "open"               debt,               and               no               matter               how               much               time               has               passed               since               you               accumulated               that               debt,               you               still               will               owe               that               money.
               When               it               comes               to               old               debts               of               a               deceased               person,               however,               the               rules               change               drastically.

Many               people               are               under               the               impression               that               all               debts               belonging               to               a               deceased               family               member               must               be               paid               up.

Not               so!

Unless               that               debt               was               a               co-signed               agreement               between               any               financial               institution,               such               as               a               credit               card               company,               loan               company               and               so               forth,               the               living               family               members               of               the               deceased               are               in               no               way               obligated               to               pay               that               debt.

Now               when               my               mother               passed               away,               as               I               mentioned               I               sent               letters               and               copies               of               her               death               certificate               to               all               concerned.

Therefore,               I               actually               found               it               amusing               that               more               than               two               years               have               passed               and               I'm               still               being               in               a               sense               harassed               by               yet               another               debt               collection               agency               for               an               old               debt               of               my               mother's.

Upon               looking               up               information               on               this               one               particular               debt               collector,               that               is               Estates               Information               Services,               once               again               I               found               out               that               this               is               but               again               another               scam               deal               here.
               On               the               Ripoff               Report               Website,               I               came               across               a               person               who               was               also               being               harassed               by               this               very               same               company.

In               his               case,               his               entire               family               were               receiving               hostile               phone               calls               from               Estates               Information               Services               in               regard               to               an               old               debt               that               the               person's               brother               had               owed               for               an               old               credit               card               debt.

This               person               indicates               that               he               too,               as               in               my               case,               did               not               co-sign               for               this               debt               and               therefore               were               not               responsible               for               it.

He               also               indicated               in               this               Ripoff               Report               that               he               wrote               a               letter               to               Estates               Information               Services               demanding               that               they               should               cease               any               further               communication               to               him               or               his               family               as               to               do               so               was               in               violation               of               the               Fair               Debt               Collection               Practices               Act,               and               also,               should               this               debt               collection               agency               continue               its               harassing               tactics               that               he               would               get               in               contact               with               his               Attorney               General.
               So               I               too,               have               written               a               letter               to               this               Estates               Information               Services               to               cease               any               communication               to               me               about               this               old               debt               of               my               mother's,               as               I               too,               like               the               person               in               his               report,               was               under               no               obligation               to               pay               off               this               old               debt               of               my               mother's,               and               I               too               pointed               out               that               to               continue               to               communicate               with               me               on               this               matter               would               also               be               a               violation               of               the               Fair               Debt               Collection               Practices               Act,               and               not               only               did               I               write               a               letter               to               them,               but               I               included               a               copy               of               my               original               letter               to               the               former               debt               collection               agency               (Hudson               &               Keyse,               LLC),               that               I               had               written               over               two               years               ago,               and               yes,               I               have               copies               of               everything,               plus               I               also               included               a               print               up               of               the               Ripoff               Report               made               by               the               person               who               also               complained               about               Estates               Information               Services.

In               other               words,               I               was               letting               this               company               know               they               were               scam               artist.

I               also               indicated               in               my               letter,               that               I               had               found               other               information               that               they               have               been               sued               by               other               people               who               have               also               been               harassed               by               them.

The               one               thing               I               didn't               do,               was               sign               my               letter,               as               I               figured               that               with               having               my               signature               on               "file"               so               to               say,               they               could               somehow               use               it               against               me.
               So,               the               bottom               line               for               anyone               being               harassed               by               any               debt               collection               agency,               particularly               about               an               old               debt               belonging               to               a               deceased               family               member,               I               can't               emphasize               enough...KNOW               YOUR               RIGHTS.

Don't               get               into               a               panic               thinking               you               are               obligated               in               anyway               to               pay               off               this               old               debt,               particularly,               and               I               can't               emphasize               this               enough,               if               it's               an               old               debt               that               was               NOT               co-signed               by               any               other               family               member.

Also,               become               familiar               with               the               Fair               Debt               Collection               Practices               Act               that               protects               consumers               from               fraudulent               or               harassing               collection               tactics.

At               the               Expert               Law               Website               I               found               one               statement               that               particularly               holds               true               for               what               I'm               emphasizing               here,               under               their               listing               for               restrictions               that               are               imposed               on               Collection               Agencies               by               the               Fair               Debt               Collection               Practices               Act               (FDCPA)               and               I               quote:
               Contacting               a               third               party               who               does               not               owe               the               debt,               such               as               a               relative,               neighbor,               or               your               employer.

Co-signers               to               the               debt,               however,               may               be               contacted               by               the               debt               collector
               The               Expert               Law               Website               gives               a               whole               listing               of               vital               information               for               anyone               who               wishes               to               know               their               rights               about               debt               collection               policies               and               practices,               and               what               is               specifically               prohibited               and               therefore               illegal               on               part               of               the               debt               collection               agency.

Last,               another               emphasis               is               to               do               research               via               a               search               on               the               web               about               the               debt               collection               agency               involved,               and               I               guarantee               you,               it               will               probably               turn               out               to               be               a               scam               operation.

One               can               file               a               formal               compalint               about               a               debt               collector               directly               on               the               Federal               Trade               Commission               website               for               any               debt               collector               who               is               violating               your               rights               in               any               form               whatsoever.
               Fair               Debt               Collection               Practices               Act               Information
               Federal               Trade               Commission
               Expert               Law               Webstie






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    1. wendyista.blogspot.com/   11/23/2011
      ..." a burglar one - right in the shoulder. If ever there's a reason to hang up on a debt collector, this is it. WOWWWWWW! A Florida man's family has filed a lawsuit...
    2. latimesblogs.latimes.com/entertainmentnewsbuzz/   09/22/2011
      ...not collect." And isn't anyone thinking about the mom-and-pop debt collectors? "Companies of size and scale will be able to work with regulators to...
    3. analabamalawyer.blogspot.com/   06/03/2009
      .... Ultimately, we settled with the debt companies and collectors. My client received economic compensation and on some level...
    4. myartsubmit.blogspot.com/   04/15/2012
      .... The federal FDCPA applies only to third-party debt collectors, namely, companies or persons collecting on the debts of...
    5. dedetillmanblogs.wordpress.com/   04/25/2012
      ...TONIGHT at 11:35 p.m. ET/PT It all started two years ago when a debt collector with a company called Reliant Financial Associates, or RFA, left a message ...
    6. billboushkaid.blogspot.com/   11/06/2013
      ... companies have not been regulated as well as companies that recover debt as third party collectors. I worked for one of these latter companies in St. Paul MN...
    7. eyeofaneagle.wordpress.com/   07/27/2009
      ...also file suit and charges against the individual from a debt collection company. 6- Debt collectors WILL BE REQUIRED TO SEND YOU AN AUTHORIZATION FORM FOR RELEASE...
    8. brianlinnekens.wordpress.com/   07/10/2012
      ...Make use of any identify additional than the balanced name of the financial debt collector’s business, company, or firm Falsely represent or imply that contracts are in no way...
    9. thednsway.blogspot.com/   12/15/2010
      ...with a bill collector at the company who set him up on... that another bill collector called him and demanded that the debt be repaid immediately...
    10. consumerist.com/   08/24/2012
      ...their respective duties," the suit claims. Debt collectors know where you work, so companies will go after people there in an effort to tick off...
    11. Debt Collector Company - Blog Homepage Results

      ... that are place with each other right after which bought to loan companies. These financial debt collectors may possibly offer debtors’ incentives for spending back again...
      ... held by the debtor to ensure that the debts could be repaid to the ...feasible. Not all but Individuals, companies and partnerships are...
      ...do our own final account of what the creditors have done Insurance 40% Debt collector 10% Solicitor 10% Tax break 40% Total 100% Amazing isn’t it? Your creditor ...



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