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. WATCH: Girl Sues Dad For Child Abuse, Shady Debt Collector, Company Refuses to Hire Until President Obama Leaves Office

   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. Debt Collectors Fighting Laws Aimed At Making Them Do Their Jobs Properly

   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. Are Debt Collectors out of Control?

   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. Know Your Rights Against Debt Collectors

   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. Diana Mey Sued Debt Collector “RFA” For $10 Million Dollars On “Nightline” 4/25/12

   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. Obama administration to clamp down on companies that buy consumer debt and pursue consumers for debt they don't owe

   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. Debt Collectors Beware, Your Demise Cometh!!

   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. Brian R. Linnekens Fights Debt Collectors who use False and Misleading Tactics

   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. An Overzealous Debt Collector

   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. Whataburger Suing Debt Collection Company That Won’t Stop Calling Its Employee At Work

    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...

Debt Collector Company - Blog Homepage Results

Qualified debt leads to strengthen your company!bydebtleads109

http://debtleads109.wordpress.com/

... 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...

sean62mclaughlinbybankruptcynow29

http://bankruptcynow29.wordpress.com/

... held by the debtor to ensure that the debts could be repaid to the ...feasible. Not all but Individuals, companies and partnerships are...

Snowballinguk's Blogbysnowballinguk

http://snowballinguk.wordpress.com/

...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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