| | STOP CREDITOR HARRASSMENT |
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Under Provisions of Federal Law, The Fair Debt Collection Practices Act
It is Illegal for Debt Collectors to:
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Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
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Call consumers at work when they knew the consumers' employers prohibited such calls;
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Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
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Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
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Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
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Call consumers at times or places that they knew or should have known were inconvenient;
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Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
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Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
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Use obscene or profane language
ATTENTION CONSUMERS!
If you are CONTACTED by a Debt Collector:
NEVER give them your banking or credit card information. They will take much more than you authorize.
NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.
NEVER send them money via Western Union.
REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.
BEWARE: Paying a debt collector will NOT get an account removed from your credit. They do NOT have that ability. |
| When a person gets behind in his or her bills, creditors take various actions to collect. Creditors may call home, or work, family, friends, fellow employees or even your employer. Cosignors and guarantors may be called upon to make payments. Mortgage holders and other creditors may initiate a foreclosure on your home or a repossession of cars, furniture, appliances, or other items. Lawsuits and other collection procedures may be started. Garnishment of wages or seizures of bank accounts may begin. The filing of any type of bankruptcy immediately stops all collection efforts against you and your property.
When you file for bankruptcy creditors must leave you alone, stopping all phone calls, lawsuits, collection notices and garnishments. Foreclosures must stop and repossession actions must cease. If you file a Chapter 13 reorganization instead of a fresh start Chapter 7 bankruptcy, collection actions can also be stopped against co-signors and guarantors on consumer debts. Only a few actions are not stopped by a bankruptcy. Criminal proceedings cannot be stopped and actions to establish child support or alimony cannot be stopped. A Chapter 13 Plan, however, may provide a way to catch up on past due child support or alimony.
After you file...You simply refer all Bill Collector calls over to us! You then hang up and we handle the rest! Bill Collectors hate this. You know why? It's simple. Now the Bill Collectors have to talk to our Attorneys....and they hate it because they know that our Attorneys know the law! They know they can't push around our Attorneys or get their way using misinformation, illegal threats, or scare tactics. Remember.........Once you file, the Bill Collectors are no longer in control. YOU ARE!
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