Stop Bill Collectors Cold!
Stop Harassing Phone Calls!
Look. Debt collectors want only one thing from you! Money! Money is the only thing that will stop them from calling you and writing you unless you have a bankruptcy attorney! If you have an attorney, you at least have someone to tell you the truth about what the debt collector legally can and cannot do. This takes away the ability of the Bill Collector to use scare tactics on you.
But wait, it gets even better. Once you file bankruptcy , that's it. The collection agency callers have to Stop COLD! By protecting you by filing bankruptcy, we take the monkey off your back and give you some breathing space because after you file, the collection agency has to contact us. After you file, it is illegal for collection agencies to continue any collection efforts. And that means no more nasty calls, no more "dunning" letters, no more calls at work and hopefully no more sleepless nights.
What do you do after you file. Simple. You refer all collection calls over to us! You then hang up and we handle the rest! Now the collection agencies have to talk to your attorneys and they hate it because they know that our attorneys know the law! Once you file, the collection agencies are no longer in control. YOU ARE!
Now, not all debt collectors are nasty (after all we have heard they are human) and use scare tactics but from our experience rest assured that the collection agencies are not representing you and don't have your best interest in mind. The measure of their success is how much money they can get from you and the loved ones who are trying to help you. Remember this: They want money!
Using bankruptcy you can get the help you need and deserve and get the collection agencies off your back. Bankrupcy is a Federal Law and it's your legal right!
We can help!
Call now for a FREE Debt Consultation! 800-966-8447
Stop Harassing Phone Calls!
How many times? How many times will you say you are busy, that this is not a good time, you can't accept phone calls at work. Anyone who has ever been the victim of nasty or harassing phone calls from collection agencies knows that those calls can be not only bothersome, nonceasing, extremely unsettling, frightening and even intimidating. Questions arise in your mind. Can they really do what they threaten? Can they really come take my stuff? It is O.K. for them to call me at work? Do I have to put up with this? Don't I get credit for all the payments I have made over the years?
Worse still is the name calling. Nobody likes to be called a deadbeat or a loser, but that's just what some collection agencies do. Your past history does not count. Even though you always paid your bills in the past. You still work hard. You are still honest. They don't understand or care that your life has changed. But you do know You don't deserve this treatment.
The bottom line is that collection agencies will in our experience say whatever it takes to get you to pay money. And the more the collection agency feels you will pay, the more money they will demand. Why? The collection agent knows you want to pay your bills and that you feel terrible if you don't and the collection agency feeds off of this. The more uncomfortable the collection agency can make you, the more likely you will write him a check just to get him off your back. You see it's all about money. It always is. Think about it.
Worst of all are the embarrassing calls you get at work. These calls are not only embarrassing. If the calls continue, they can lose you your job. So what do you do?
Want to stop those harassing phone calls? You can, but it may take filing bankruptcy. What's the alternative? If you don't file bankruptcy it's more or less open season on you and your feelings. The nasty calls keep coming and even though the law says collection agencies can only call you at certain times and certain places these rules get violated in our experience every day, on a regular basis. Why? Because these laws are hard to enforce and don't have the "teeth" they should. The penalties for violating them are small compared to the money to be collected by violating them. And this all assumes you can figure out who made the call and from where.
Filing bankruptcy changes all that. The Federal Bankruptcy laws are so powerful that you file and calls come to a halt taking only the days or weeks necessary for word to make it to the collection agencies. How does this happen? As soon as you file, the Bankruptcy Court issues an order telling all collection agencies to leave you alone and they do. Why? Because nobody wants to be dragged in front of a Federal Judge upon a Contempt of Court charge.
If you can't pay all your bills, and the calls at home and work have gotten out of control and you're stressed to the max you have a choice. Do nothing and live with the stress or look into filing bankruptcy and STOP THE CALLS COLD.
Collecting Money From Bill Collectors:
If a bill collector goes over the line and abuses you, it's illegal. And you have rights, under laws like the Federal Fair Debt Collections Act. That's right. You can sue them, and we can help.
Have you been harassed and abused by a bill collector? Well, maybe it's time to fight back. How better to stop the nasty bill collector and teach him a lesson, than to make him pay money to you.
You have many rights under the Fair Debt Collection Practices Act (FDCPA) when a debt collector is trying to collect money from you. To preserve your rights under the FDCPA, you must send a written dispute letter to the debt collector within 30 days of your receipt of the first “validation notice” from the debt collector. Please make sure you are courteous in your letter and please mail it by certified mail, return receipt requested to verify that the debt collector received it.
What types of debt collection practices are not allowed?
HARASSMENT
Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:
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Use threats of violence or harm;
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Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
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Use obscene or profane language;
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Repeatedly use the telephone to annoy someone;
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Call before 8AM or after 9PM; or
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Threaten that you will be arrested or jailed for failure to pay.
FALSE STATEMENTS
Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
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Tell you that they are attorneys or government representatives, when in fact they are not;
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Falsely imply that you have committed a crime;
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Misrepresent that they operate or work for a credit bureau;
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Misrepresent the amount of your debt;
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Indicate that papers being sent to you are not legal forms when they, in fact, are;
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State that you will be arrested if you do not pay your debt;
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Threaten to seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is a legal action; or
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Threaten that actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
In addition, debt collectors may not:
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Give false credit information about you to anyone, including a credit bureau;
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Send you anything that looks like an official document from a court or government and is not an official document; or
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Use a false name in their attempts to collect your debt.
UNFAIR PRACTICES
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
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Collect an amount that is greater than your debt, unless your state law permits such a charge;
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Deposit a post-dated check early or use deception to make you accept collect calls or pay for telegrams; or
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Take, or threaten to take your property unless this can be done legally, or contact you by postcard.
The Fair Debt Collection Practices Act of 1996 can be read in length at the Federal Trade Commission's Website here.
Even if you owe the debt, or you cannot pay it, you still have rights protected under the law! (FDCPA)
In order to preserve your rights under the law, it is important for you to keep good records of all of the contacts. The following are important steps you can take:
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Save copies of all letters and notices from collection agencies.
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Save all of your phone messages and voice mails.
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Make a notation and keep good records of all of your conversations with these bill collectors. You can also contact us to get a collection diary form and use it to keep strict records of all the contact you receive from your debt collectors. If you want to create your own collection diary form, please be sure to use the following headings so that you can get as much information as possible.
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Date of call (month/date/year)?
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Exact time of call?
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How many minutes did the call last?
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Was it a phone call, voice mail, letter or paper message?
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What was the collector’s name?
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What was the collection agency name and telephone number?
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What did the collector say?
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Amount demanded?
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Payment terms?
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Threats? Profanity? Harassment? Legal Action?
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Calls to friends and neighbors?
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Abuse? Get as much detailed information here as possible.
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If you are being harassed by a bill collector, call us. We may be able to help. Get in touch with us and we will show you what we can do. Just like with our bankruptcy services, the first consultation is totally FREE. You have nothing to lose.
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Call and learn more. We can help!
Call today to set up a FREE Debt Consultation.
Call toll free 1-800-966-8447
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