It is much easier to deal with a debt collector who may end up giving you money than a judge who will tell you what you can and cannot retain, if anything. You will need to make a modest investment in a digital voice recorder because it will be the key to prevention and treatment for your situation.
The procedure is entirely legal, regardless of how much you owe. In fact, the greater one's debt, the better. If you can view a government-sponsored cartoon, you will have mastered the entire legal process. Utilize the search term ""FTC debt video"" and view this short animation several times.
As a result of the numerous violations committed by collectors, some attorneys have realized that bringing lawsuits against collectors is lucrative. Using the search term """"Face Book - Knowledge of the Fair Debt Collection Act - USE IT!"""" will lead you to an interesting article detailing how attorneys are utilizing boot camps to teach this incredibly basic technique.
In fact, very few individuals have been able to appreciate the simplicity of this 1966 law. When debt collectors call, they typically disclose that the contact will be recorded for quality assurance purposes. You reply that you will also record the call because you're about to pay off all of your debts and need all of their contact information, including addresses and account numbers, but you don't have a pen or paper available.
Never provide any information other than your name to a collector. Because he believes you will send him money, he will eagerly give you his information, believing he has found an idiot who will hand over all their money to him. After everything has been recorded, it is time to perform your magic!
You can begin by saying, ""I'm afraid there's an error here, and if you think I'll send you money, you're insane!"" This should encourage infractions, and at $1,000 per violation, you should be grinning from ear to ear! You do not need an attorney to demand that his superiors designate the account as """"paid as agreed"""" in exchange for your promise not to file a lawsuit against them.
You also have the option of approaching an attorney with your recordings and filing a lawsuit in federal court, where the awards are significantly higher. Such search terms as """"men wins $1.5 million from collector"""" and """"woman sues collector and wins $8.1 million"""" provide examples of actual cases.
It is hard to believe that credit card debt can be used to prevent bankruptcy, but even attorneys are beginning to understand the possibility. It is a solution that benefits everyone except the collection agency. Consider the collector a friend and pray he curses you; in a backwards economy, this is the only option.""
" - https://www.affordablecebu.com/
