Every day thousands of co umers are hara ed by debt collectors and many of them have their rights vi
Every day thousands of co umers are hara ed by debt collectors and many of them have their rights violated by these collectors. The good news is that you can use those violatio to have the debts eliminated and your credit repaired in the proce .
If you know the law, your credit repair proce wont have to rely on generic di ute letters or luck. Let the debt collectors do it for you and you can have your credit repaired, legally and permanently.
Here is how
Debt collectors are governed by the Fair Debt Collection Practices Act (FDCPA). One section of the Act clearly states co umers ca ot be contacted at ina ropriate places like work. I cant tell you how many collection agents violate this section of the law.
There is a caveat however. They may contact your work unle they know your employer does not allow it. Simply write the debt collector notifying them that you ca ot be contacted at work and make sure you send it Certified mail, return receipt requested.
Should they contact you at work after that, they are in violation of the FDCPA and in a position where negotiation of the debt is usually a piece of cake.
Why these mistakes are common
Most debt collectors phone systems are set up on an automated dialing system. These systems handle thousands of client cases. When your name comes up, the computer automatically dials the numbers it has on file. When you put in a ecial request (like not calling your work) your file has to be pulled manually and dialed by hand. This rarely ha e and therefore, violatio commonly occur and leaving the door wide open for you to sue to have it removed.
Negotiate to delete the trade line for their violation
Once the debt collector has violated your rights, simply send a letter with a copy of the following.
The copy of your original letter where you said you could not be contacted at work
A copy of the Certified Mail receipt you received which is proof they were notified
A new letter demanding a deletion of the trade line from your credit report. You may include that you intend to file complaints with the FTC, , Attorney General and you can add tat you intend to sue for damages as well.
You will find, once they are caught red handed, negotiatio become very easy.
The article is refered from http://www.bbcok.com, http://www.worldloanpro.com, please go to read more.
If you know the law, your credit repair proce wont have to rely on generic di ute letters or luck. Let the debt collectors do it for you and you can have your credit repaired, legally and permanently.
Here is how
Debt collectors are governed by the Fair Debt Collection Practices Act (FDCPA). One section of the Act clearly states co umers ca ot be contacted at ina ropriate places like work. I cant tell you how many collection agents violate this section of the law.
There is a caveat however. They may contact your work unle they know your employer does not allow it. Simply write the debt collector notifying them that you ca ot be contacted at work and make sure you send it Certified mail, return receipt requested.
Should they contact you at work after that, they are in violation of the FDCPA and in a position where negotiation of the debt is usually a piece of cake.
Why these mistakes are common
Most debt collectors phone systems are set up on an automated dialing system. These systems handle thousands of client cases. When your name comes up, the computer automatically dials the numbers it has on file. When you put in a ecial request (like not calling your work) your file has to be pulled manually and dialed by hand. This rarely ha e and therefore, violatio commonly occur and leaving the door wide open for you to sue to have it removed.
Negotiate to delete the trade line for their violation
Once the debt collector has violated your rights, simply send a letter with a copy of the following.
The copy of your original letter where you said you could not be contacted at work
A copy of the Certified Mail receipt you received which is proof they were notified
A new letter demanding a deletion of the trade line from your credit report. You may include that you intend to file complaints with the FTC, , Attorney General and you can add tat you intend to sue for damages as well.
You will find, once they are caught red handed, negotiatio become very easy.
The article is refered from http://www.bbcok.com, http://www.worldloanpro.com, please go to read more.
