Comments for Help With Debts http://helpwithdebts.org Finding Solutions That Provide Relief Thu, 09 Feb 2012 09:26:28 +0000 hourly 1 http://wordpress.org/?v=3.2.1 Comment on What are my rights against debt collectors? by Robert http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-167 Robert Thu, 09 Feb 2012 09:26:28 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-167 No, debt collectors are not allowed to use deceptive practices in their attempts to collect a debt. However, they always do because nobody has the money to stand up against them and force them to behave in accordance with the Fair Debt Collection Practices Act. They know this, so they continually push the boundaries. However, I do not believe that they were using a deceptive practice in order to get you on the phone. It is far more likely that there was some electronic glitch with your caller ID. However, I applaud you in attempting to educate yourself on what is and is not acceptable behavior of the collection agencies. Continuing to do so and encouraging others to do so is the best protection you can have from them. Remember the adage that I live by when it comes to bill collectors: ALL BILL COLLECTORS LIE ALL THE TIME. If you remember that, you should be able to protect yourself. If you have any other questions you may contact me at nebula7693@yahoo.com No, debt collectors are not allowed to use deceptive practices in their attempts to collect a debt. However, they always do because nobody has the money to stand up against them and force them to behave in accordance with the Fair Debt Collection Practices Act. They know this, so they continually push the boundaries.

However, I do not believe that they were using a deceptive practice in order to get you on the phone. It is far more likely that there was some electronic glitch with your caller ID.

However, I applaud you in attempting to educate yourself on what is and is not acceptable behavior of the collection agencies. Continuing to do so and encouraging others to do so is the best protection you can have from them. Remember the adage that I live by when it comes to bill collectors: ALL BILL COLLECTORS LIE ALL THE TIME. If you remember that, you should be able to protect yourself.

If you have any other questions you may contact me at nebula7693@yahoo.com

]]> Comment on What are my rights against debt collectors? by twv23512659 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-166 twv23512659 Thu, 09 Feb 2012 09:25:20 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-166 A debt collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money. A debt collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

]]> Comment on What are my rights against debt collectors? by Diana G http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-165 Diana G Thu, 09 Feb 2012 08:37:35 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-165 if they all your cell fone all you have to say this is a cell phone. it is illegal for you to incur me a charge while you are trying to collect a debt. This is costing me minutes. Do not call me here again. if they all your cell fone all you have to say this is a cell phone. it is illegal for you to incur me a charge while you are trying to collect a debt. This is costing me minutes. Do not call me here again.

]]> Comment on What are my rights against debt collectors? by 700CreditScore http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-164 700CreditScore Thu, 09 Feb 2012 08:21:38 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-164 As a former debt collector, I want to tell you that it is ok for the creditor to use smart techniques to try to get your brother in law on the phone. However, there are state and federal regulations to what a collector can or can't do. For example no call after 09:00 pm local. Remove work# from list if requested. As a former debt collector, I want to tell you that it is ok for the creditor to use smart techniques to try to get your brother in law on the phone. However, there are state and federal regulations to what a collector can or can’t do. For example no call after 09:00 pm local. Remove work# from list if requested.

]]> Comment on What are my rights against debt collectors? by wrathofkahn03 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-163 wrathofkahn03 Thu, 09 Feb 2012 07:40:45 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-163 Best protection is to pay the debt at least make a payment. Best protection is to pay the debt at least make a payment.

]]> Comment on What are my rights against debt collectors? by bryan l http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-162 bryan l Thu, 09 Feb 2012 07:26:41 +0000 http://helpwithdebts.org/what-are-my-rights-against-debt-collectors/#comment-162 no i have not hear of that may be a technical issue with your caller ID or they have some new trick to scramble caller ids and that would be a huge lawsuit waiting to happen. it is against the law for them to impersonate some on rather then themselves. send them the following letter and send it certified, if they contact you again them you can take legal recourse. check this link below this has all of the rules they must follow-this agency is a government agency Your name Your street address Your city Date RE: Account no. Dear Sir/Madam, This is to request you to CEASE and DESIST from your efforts of collecting debt payments on the above referred account. I would like to work with the original creditor of the account rather than collection agencies. You are hereby instructed in accordance with the federal and state laws, to stop all collection efforts immediately or face legal sanctions. Respectfully, Your Signature Your Name no i have not hear of that may be a technical issue with your caller ID or they have some new trick to scramble caller ids and that would be a huge lawsuit waiting to happen. it is against the law for them to impersonate some on rather then themselves. send them the following letter and send it certified, if they contact you again them you can take legal recourse.
check this link below this has all of the rules they must follow-this agency is a government agency
Your name
Your street address
Your city
Date

RE: Account no.

Dear Sir/Madam,

This is to request you to CEASE and DESIST from your efforts of collecting debt payments on the above referred account. I would like to work with the original creditor of the account rather than collection agencies.

You are hereby instructed in accordance with the federal and state laws, to stop all collection efforts immediately or face legal sanctions.

Respectfully,

Your Signature
Your Name

]]> Comment on Q&A: Is the credit card debt solutions companies on the up and up? by Jazmyn http://helpwithdebts.org/qa-is-the-credit-card-debt-solutions-companies-on-the-up-and-up/#comment-155 Jazmyn Mon, 09 Jan 2012 07:47:16 +0000 http://helpwithdebts.org/qa-is-the-credit-card-debt-solutions-companies-on-the-up-and-up/#comment-155 Credit card debt is something many men and women struggle with and if you allow it to get out of control it will take up you and your daily life. Debt settlement works and works well. Debt Settlement negotiates down your entire amount owed, while the client saves up enough money to pay that lump sum settlement.These kinds of programs involve purposely ceasing payments to all your lenders in order to force your accounts into default to attempt settlements at a lower price. The monthly premiums you are making go towards establishing a settlement account in order to pay the firm’s charges. They helped me to save around 50% . Good luck paying off your debt and don't let it consume you. You should not waste your time using a debt management system via a not for profit consumer credit counseling corporation like CCC. They are a non profits owned or operated by the credit card companies and have a 95% fail rate. The creditors fully understand this and are attempting to pull each and every last bit out of you before you decide to go into default. CCC appears worse than a bankruptcies on a credit report, as it would be considered a precursor to bankruptcies. Credit card debt is something many men and women struggle with and if you allow it to get out of control it will take up you and your daily life. Debt settlement works and works well. Debt Settlement negotiates down your entire amount owed, while the client saves up enough money to pay that lump sum settlement.These kinds of programs involve purposely ceasing payments to all your lenders in order to force your accounts into default to attempt settlements at a lower price. The monthly premiums you are making go towards establishing a settlement account in order to pay the firm’s charges. They helped me to save around 50% . Good luck paying off your debt and don’t let it consume you.

You should not waste your time using a debt management system via a not for profit consumer credit counseling corporation like CCC. They are a non profits owned or operated by the credit card companies and have a 95% fail rate. The creditors fully understand this and are attempting to pull each and every last bit out of you before you decide to go into default. CCC appears worse than a bankruptcies on a credit report, as it would be considered a precursor to bankruptcies.

]]> Comment on i was thinking of paying credit cards off because collections. Should i use a credit card consolidation compan by Triome Z http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-139 Triome Z Sat, 19 Nov 2011 23:56:18 +0000 http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-139 I found The best info about your Question HERE: (VERY good loans - c.cards - credit repair & score; info) http://new-loans-center.blogspot.com Good luck! I found The best info about your Question HERE:
(VERY good loans – c.cards – credit repair & score; info)
http://new-loans-center.blogspot.com
Good luck!

]]> Comment on i was thinking of paying credit cards off because collections. Should i use a credit card consolidation compan by Terry S http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-138 Terry S Sat, 19 Nov 2011 23:47:33 +0000 http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-138 Stay away from those types of companies. You will pay them a fee to pay your bills for you. Do not pay someone else to make your payments for you and charge you a fee. Depending on your current credit status, start by trying to consolidate all of your current debt onto a credit card or multiple 0% credit cards. 0% credit card offers are the best. They have 0% credit card offers with and without fees. Try to find a credit card offer without fees if not try to get one with the longest possible period a 0%. Here is a great article here that explains in detail how to get your bills organized. At the bottom of the article is a step by step process to get organized and how to reduce your bills at an Accelerated rate without increasing your current minimum payments. http://0-credit-card-offers.com/o-percent-credit-card-offers-tri.html If your credit is beyond the ability to qualify for 0% credit card offers you can try for fixed rate credit card offers. If you are unable to get any credit card offer then talk with each collection company on your own and try to set up payments. Some credit card companies will work with you. One option I have heard a credit card company can implement is freeze the credit card and waives penalties and interest you may have accrued. Do not rely on someone else to achieve the same thing that you can achieve on your own. Your best bet is to try to pay off your debt as fast as possible which will be achieved with 0% credit card offers or low fixed rate credit card offers. When you are talking the difference between 20- 25% interest you are most likely paying right now and 0% - 3.99% you are talking the difference between paying $ 300 interest a month out of a $ 400 payment on a $ 20000 debt to No interest and $ 400 goes directly on your debt to approx. $ 300 going to principle and only $ 100 going to interest. Try all of your options first and if you are unable to attain this on your own then consult an attorney. Most do not realize this but you can no longer file bankruptcy on the full credit card debt that you owe. You can only file on a percentage of the amount owed. It is federal law. Good Luck and God bless Stay away from those types of companies. You will pay them a fee to pay your bills for you. Do not pay someone else to make your payments for you and charge you a fee.

Depending on your current credit status, start by trying to consolidate all of your current debt onto a credit card or multiple 0% credit cards. 0% credit card offers are the best. They have 0% credit card offers with and without fees. Try to find a credit card offer without fees if not try to get one with the longest possible period a 0%.

Here is a great article here that explains in detail how to get your bills organized.

At the bottom of the article is a step by step process to get organized and how to reduce your bills at an Accelerated rate without increasing your current minimum payments.
http://0-credit-card-offers.com/o-percent-credit-card-offers-tri.html

If your credit is beyond the ability to qualify for 0% credit card offers you can try for fixed rate credit card offers.

If you are unable to get any credit card offer then talk with each collection company on your own and try to set up payments. Some credit card companies will work with you. One option I have heard a credit card company can implement is freeze the credit card and waives penalties and interest you may have accrued. Do not rely on someone else to achieve the same thing that you can achieve on your own.

Your best bet is to try to pay off your debt as fast as possible which will be achieved with 0% credit card offers or low fixed rate credit card offers. When you are talking the difference between 20- 25% interest you are most likely paying right now and 0% – 3.99% you are talking the difference between paying $ 300 interest a month out of a $ 400 payment on a $ 20000 debt to No interest and $ 400 goes directly on your debt to approx. $ 300 going to principle and only $ 100 going to interest.

Try all of your options first and if you are unable to attain this on your own then consult an attorney.

Most do not realize this but you can no longer file bankruptcy on the full credit card debt that you owe. You can only file on a percentage of the amount owed. It is federal law.

Good Luck and God bless

]]> Comment on i was thinking of paying credit cards off because collections. Should i use a credit card consolidation compan by Matt http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-137 Matt Sat, 19 Nov 2011 23:02:51 +0000 http://helpwithdebts.org/i-was-thinking-of-paying-credit-cards-off-because-collections-should-i-use-a-credit-card-consolidation-compan/#comment-137 Many people think that using a consolidation company is one step away from declaring bankruptcy. This is not necessarily true. Not every credit card company or lender of credit thinks this way; it's subjective. A consolidation company, for some people, is the best way to get out of debt. Many people think that using a consolidation company is one step away from declaring bankruptcy. This is not necessarily true. Not every credit card company or lender of credit thinks this way; it’s subjective. A consolidation company, for some people, is the best way to get out of debt.

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