The recession has forced business-to-business debt to rise to nearly 40 percent. But that’s good business for debt collection agencies, including one in Plano, Texas. (Aug. 19)
Duration : 0:2:29
This is an actual recording left by a harassing Debt Collecter who constantly calls and leaves this ridiculous message on answering machines all across the country. Be careful, or you may be next to experience the wrath of this enraged debt collector.
NOTE: This is not the IRS. When the government refers collection of debts to an outside agency, the FDCPA applies. Concerning the issue of harassment, refer to Section 806(5) of the Fair Debt Collection Practices Act (FDCPA)
Link to FDCPA:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
Although the National Do Not Call Registry does not stop debt collector calls, if you would like to stop harassing telemarketing calls to your number, follow the link below:
http://www.donotcall.gov/
(Refer to the Q & A on their site to see which calls apply.)
Duration : 0:0:54
Collection industry Guru, John Woodworth talks about his best selling collection hand-book “The cheque’s in the post”.
The book is a must have for any person or business that needs to collect money.
Duration : 0:2:23
In this latest clip, I provide directional pointers on how to counter the unwanted attentions of Debt Collection Agencies, a brief sub-section of bailiffs, and what equipment/information you can use to combat them.
Because the individual circumstances behind each case have so many different variations, it is impossible for me to condense down every eventuality into a Youtube clip.
This is why this particular clip exists - to help provide you with guidance to resolving the problem that arises. There are plenty in the same boat as you, and it’s not a situation that you have to take lying down.
Any debt related queries can be posted on www.consumeractiongroup.com, a friendly and non-judgemental site growing by the day. It’s also proving to be quite the bane in the lives of dishonest and unprincipled money grabbing companies who think that your rights as an individual don’t count. Well, you can join the growing list of people who are proving them wrong.
Duration : 0:9:44
Dealing With Debt Collectors - Debt Validation.
The first most important rule of dealing with debt collectors you must remember: never admit and accept a debt unless it was proven to you that it IS your debt. You have the right to request documentation from the collector substantiating his collection efforts. You must send your validation request no later that 30 day since the collecting agency’s first contact.
What debt collectors should provide:
() Proof that the collection company owns the debt/or has been igned the debt. At a minimum, some account statements from the original creditor.
() Proof that this debt is yours - a copy of the original signed loan agreement or credit card application (or at least account statements from the original creditor).
() Explanation of the amount and all fees and payments starting from the original creditor (this is not in the FCRA or FDCPA - but was established in one of court cases in 2004 ( for more info visit http://www.101CreditRepair.com )
Procedure:
1. Send a letter requesting validation to the collection agency (via certified mail)
2. Dispute the collection with the credit bureaus (certified letter). You must never skip this step.
3. Wait 30 days to hear back from the collection agency. Most likely they either not respond - or not provide everything as needed.
4. If they haven’t sent you satisfactory proof, send them a 2nd letter with the copy of the first one and delivery receipt. Tell them that they have not complied with the FDCPA and are now in violation of the Act. Tell them they need to immediately remove the collection listing from your credit report or you are going to file a lawsuit because they are in violation of the FDCPA, section 809 (b).
5. Wait 15-20 days to hear back after this second letter to the collection agency. They will either remove it or not respond.
6. If they do provide all required documentation - there is one more thing you can try: see if they are legally licensed to collect the debt in your state (not all states require license).
If the collection agency did not agree to remove the listing, then you need to continue to the next steps. For more information about this process, including template letters, visit http://www.101CreditRepair.com
Duration : 0:3:58
Educate yourself about “debtor’s rights” and stop sleazy debt collectors from collecting any money. http://educationcenter2000.com
Duration : 0:2:33
http://www.collectionagencyservices.net - Collection agencies are helpful if you are owed money for the products or services you have provided. Debt collections and collection agency services ain’t all bad!
Duration : 0:0:27
Educate yourself about “debtor’s rights” and stop debt collectors from collecting any money. http://educationcenter2000.com
Duration : 0:1:10
Rocketboom Spotlight on The Archive, a film by Sean Dunne. Paul Mawhinney was born and raised in Pittsburgh, PA. Over the years he has amassed what has become the world’s largest record collection. Due to health issues and a struggling record industry Paul is being forced to sell his collection. This is the story of a man and his records.
View the entire documentary at http://www.vimeo.com/1546186
http://veryapeproductions.com
http://www.thegreatestmusiccollection.com/
http://www.rocketboom.com/category/spotlight/
Duration : 0:4:17
Brenda Flanagan From My9News Exposes Even More Pariah Debt Collectors. This time they drive a woman to suicide! Anyone want to defend these idiots now. Presented By CAIPNJ.COM. Part #1 is here http://www.youtube.com/watch?v=NTVZ4rU2_84 in where she exposes the Pariah that is Pressler & Pressler, LLP.
Duration : 0:3:45