Posts Tagged ‘money’
Dave Ramsey – Credit Card/Debt Collectors are SCUM
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.
IT IS NOT AGAINST THE LAW TO OWE MONEY!
Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.
KNOW YOUR RIGHTS UNDER THE FDCPA:
Collectors can NOT call you before 8 am or after 9 pm
Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay
Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)
Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)
For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)
To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…
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Chapter 13 Bankruptcy
Indiana Bankruptcy Attorney Doug Allen Bernacchi explains Chapter 13 basics
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*Reduce Credit Card Debt with our Affordable Attorneys. Avoid Bankruptcy.
USOBA & TASC APPROVED! www,debtassistancerelief.org We have a very good track record of negotiating with credit card companies. Our experts in this credit debt reduction will negotiate with your creditors and will reduce your debts. http://debtassistancerelief.org/ There are many cases when the negotiation helped the debtor to reduce his debts by over 60%. We not only negotiate with your credit card companies for debt reduction but also consolidate your payments into small monthly installments. This monthly payment will be 40%-60% less than your current monthly payment, as most of the debt would have been eliminated. In case you have extra money left over, you will have the flexibility to pay higher amount to get out of debt even faster.
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College Students Sinking In Credit Card Debt
Sanyika Calloway Boyce’s appearance on “In the Loop with iVillage”
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