"...Insider Consumer Credit
Secrets Used For Years By
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Have you missed making payments on your credit card?

Has your credit card debt been charged-off by the credit reporting agency?

Is a debt collector attorney boiler room calling you?

Turn the Tables on Debt Collectors

If your phone is ringing off the hook with calls from debt collectors, it’s not likely that you feel in control of the situation. But letting yourself feel scared or intimidated isn’t a good option, either. Go down that road and you may wind up making promises you can’t keep, or payments you can’t afford. There is a remedy!

What if there was a way to turn the tables on debt collectors so that you are in control of the situation, and can actually come up with a solution to put those debts behind you? You’ll find nine approaches to doing just that here.

What we are talking about here are legitimate ways to deal with illegal, aggressive or relentless collectors who continue to pressure you to pay debts you owe but are impossible for you to pay right now. If you suspect the callers aren’t on the up and up, though, you’ll need different strategies for stopping debt collection scammers.

When They Begin to Call

Pick up the phone and ask the debt collector "What is the name of your law firm?" "What is your name?" "What is your address?" "I wish to make a payment."

Of course you have no intentions of giving them money. You want their address so you can send them our free cease and desist letter (the very first letter you send the debt collector) and start sending 30 day; 15 day and 48 hour, debt validation letters.

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Privacy Policy

The cease and desist letter is the Notice to Cease Communications pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC §1692c(c). By law the Notice to Cease Communications requires the debt collector to stop all communication except for one more written letter to you. 

By the time the debt collector attorney calls you, he probably knows a good deal about you. He probably has reviewed your credit reports to see what other debts you owe. (You can check your own free annual credit report here)

Once you have your credit report you will be able to tell if the credit is charged-off. If it is charged-off then the debt collector is a debt buyer; which means that the debt collector attorney has purchased the debt for pennies on the dollar. Which means that the original creditor was paid by their insurance company for the full amount and that no money is owed to the original creditor.

Again ask for the debt collector's address (you are entitled to this information).

Call your state’s attorney general office to find out whether collectors must be licensed in your state. If so, confirm whether they are. Most states provide an online look-up tool for checking the licensing status of a business.

What if the collector won’t tell you who is calling? If you have caller ID, type the phone number of the company that’s calling into a search engine. “You can learn a lot online.” You may find the name of the agency as well as learn about complaints from other consumers.

Dump it Back in The Debt Collectors Lap

If the debt collector is trying to collect on a debt for any reason, ask them to validate the debt. You have the right to do so under the federal Fair Debt Collection Practices Act.

Asking for proof how the debt was calculated and to demonstrate it is a valid debt you owe will put you back in the driver’s seat by asking them to support their claim,”  At a minimum, requesting validation of a debt gives you time to research the debt to determine if it is legitimate and figure out what you can afford to pay toward it. (If a debt collector refuses to verify the debt after you’ve requested it, the company may be breaking the law.)

If you send a cease and desist letter to a debt collector, the debt collector must stop contacting you except to tell you that:

1. it's ending communications, or,

2. it may (or will) sue you or use another legal remedy to collect the debt.

Stick to Business

You may feel guilty or embarrassed that you couldn’t pay your bills. The collector knows that and may try to use that to his advantage. “There is a great deal of psychology used by debt collectors to create feelings of guilt and obligation on the part of debtors,” warns Atlanta bankruptcy attorney Jonathan Ginsberg. They key is to try not to get swept up in the emotions. “When the debt collector calls, people panic, and when they panic they don’t think clearly. This leads to more stress, fear, intimidation, and loss of control.”

A couple of years ago, Ginsberg interviewed Kenny Golde who was able to settle $250,000 of credit card debt for less than 50 cents on the dollar and went on to write a book about his experience. In that interview, Kenny explained that the key to his success arose from treating all interactions with debt collectors as business dealings, understanding that their focus is on collecting funds as quickly as possible, and knowing he had a certain budget he had to stick to.

Ask to Speak to a Supervisor

If a collector is trying to scare and intimidate you, write down those threats immediately and ask to talk with a supervisor. Make a note of the supervisor’s name. If you end up suing the debt collector for breaking the law in its collection efforts, “that’s how you get punitive damages,” says Florida consumer law attorney William Howard. “If it’s just Billy the crazy collector threatening you, then they’ll just fire him,” he explains.”But if you complain to their supervisor, now it’s not just their collector (that’s the problem), but their internal procedures.”

Get your free annual credit report here.

Call Their Bluff

If a debt collector is threatening to take legal action, don’t panic. When you send the debt validation letters (certified mail return receipt) they cannot answer the validation letter with the (supplied with our "Insider Credit Secrets Manual") Affidavit of Verification of Purported Debt.

What the debt buyer is doing is pretending to represent the original creditor (breaking the law) when in fact they are representing themselves and keeping the money. The original creditor gets nothing!

So use the knowledge of the validation letters to your benefit and turn the tables on them. If they persue illegal debt collection you can collect money damages from debt the buyer, debt collector attorney.

You can Make Them Pay When They Break The Law.

The Supreme Court has warned people in Federal Crop Insurance Corp vs. Merrill and Title 15 Section 1692 that “when people enter into any dealings with agents, the people better investigate the authority and limits of authority that the agents possess.  That even if the agents themselves believe, in good faith, that they have the authority that may not protect people who later find out to the contrary.”

We  focus on helping people understand their credit and debt, and write about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies.

We  show you how to use debt collection laws to protect your rights, and reduce stress: real-life solutions for solving your credit crisis.

 

"You can do debt validation; credit repair; and stop debt collectors at home for little or no cost."

 
"This is the best do-it-yourself guide for Credit Repair." 

 

SEE THIS VERY IMPORTANT CONSUMER UPDATE: CLICK HERE 

 

Do the Best Credit Repair Services Really Work? A report by the Huffington Post

http://www.huffingtonpost.com/simple-thrifty-living/do-credit-repair-services_b_4165903.html

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