Stop Foreclosure - How to Stop the Debt Collector Fast and Easy!
Stopping the Debt Collector has never been easier than you ever thought possible
. While most debt collection specialists try to stay within the boundaries defined by the Federal Fair Debt Collection Practices Act FDCPA, many others cross the line on a recurring basis. A description of your rights under The Fair Debt Collection Practices Act may be provided directly from the FTC, but unfortunately there are a great number of other public laws guard consumers from deceptive or abusive collection methods even by original creditors, and many states also have laws that parallel the FDCPA but go further and include original creditors in the definition of debt collector. That's why many companies are now offering an attorney based program to make sure you have protection to protect your rights.
I have experienced the horrors of threats and I am aware of how collectors also use other methods that are against the law. Yet collectors routinely call neighbors, relatives, and employers to obtain information on debtors. So long as the collector does not discuss the real matter of the credit card debt, they still may have their toes on the right side of the line. But as soon as they mention or even suggest that they are calling about a debt, they have crossed the line. Now since numerous debtors are practicing the screening of their phone calls at home to cut down on the needless time and energy to get a hold on you the debt collectors frequently call at work when they can obtain an office number.
So it is probably a very good idea to educate yourself on your rights as a consumer, vigorously dispute debts that you don't believe you owe, and see if you can take action yourself in the form of complaints to your Attorney General and the Federal Trade Commission. With any legal matter, at all times consult with an attorney. By standing up for your rights, you can put a stop to the hassle of unwanted threats and put an end to this kind of harassment.
So I suggest settling unsecured debts for less than half of amount owed. Make sure you are able to speak with your debt negotiator whenever you want and then negotiate mutually acceptable settlements! Hopefully they will let you approve the final settlements and then direct you as to what is the proper path based on your unique situation. Don't forget to ask the agent if their services are backed by a guarantee. When implemented appropriately, a written guarantee can improve service quality, and client satisfaction.
Watch out for a number of credit card debt settlement companies that just want to make as much money as possible from you without any real regard for your best interests! If you have over $4,000 in bills (unsecured debt), and your money is getting tight, contemplate doing some debt resolution relief.
Stop Foreclosure - How to Stop the Debt Collector Fast and Easy!
By: Conray Nickless
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