When a Credit Card Debt Collector Calls, You Do Not Have to Answer
Telephone calls have no legal weight since there is no record of what was said on a call. Knowing this, credit card debt collectors will say threatening things on the phone and get away with telling their lies. That is why consumer debt collectors choose to use the phone over mail. Debt collectors lose their power when communications are reduced to writing.
Written communications from and to a credit card debt collector are what matter in court. If a consumer is writing to a debt collector it should always be certified return receipt requested.
There is a saying in online consumer forums, 100 percent of debt collectors tell lies 100 percent of the time. Here are some examples of those lies.
1. They claim over the telephone that a lawsuit has been filed against you in your local court, and that the summons is on its way to you. This is an awful, scary lie.
2. Or they may ask you for a small payment, which is well within your means – surely that is acceptable? Not so, if you make this payment then you have legally documented admission to the debt, and made things worse.
3. Debt collectors will threaten to have you arrested. No one can be arrested for a civil matter.
4. They threaten to have your wages garnished.
5. They tell you they can seize your bank account.
Each of these lies is a violation of the Fair Debt Collection Practices Act.
These threats are attempts to get you to confirm that the debt is yours. The credit card debt collector wants to confirm the credit card number in question and get other personal information. They want to know your Social Security number, the phone number of your work place and even information about your bank account. The Credit Card Debt Survival Guide says that you should react by disputing the debt and denying it over the phone to the credit card debt collector. Remember that the person on the other end of the line unknown to you. Tell them you do not share personal information over the phone with people unknown to you and then hang up.
If you end up taking a call from a credit card debt collector, you should only stay on long enough to find out what debt they are telephoning about. Before hanging up, advise them that you need written notice of this debt and that you will not talk about it over the phone.
You should be aware that as a consumer the Fair Debt Collection Practices Act gives you the right to write to the debt collector to instruct them to stop telephoning you. If they continue, they are breaking the law and are liable to a $1000 penalty for each call made. Consumers are advised to log each phone call to interest a specialist consumer rights attorney in suing the debt collector on a contingency fee basis.
Matt Highlander learned how to frustrate credit card debt collectors and collection attorneys. If you cannot afford to pay, read his Credit Card Debt Survival Guide
Visit Our Friends:
Free SEO Tips
Latest Hairstyles
========================================
Advertising Space
You can put your link in here for just $2/month, your link will showing on new articles and recent articles.
Contact beantownlab@gmail.com for further detail
