Archive for Bill Collector
Has your home become a debt collector’s haven? Are you living in a quiet desperation because of debt? Do you dream of ways to stop bill collectors calls once and for all? Most consumers with a debt problem are usually blinded sided by this troubling issue. It may be due to money mismanagement or our overall economic issues. Or it may stem from medical issues, job related injuries or something out of the ordinary. Whatever precipitated the problem the majority of people are in the same boat. They don’t know how to stop bill collectors calls. The don’t know how to stop harassment by bill collectors and even worse, they are so emotionally charged, they haven’t come up with a get out of debt plan that will work for their specific circumstances. If you want to get on the road to recovery, your journey starts here and it starts now. Your first step? I’m going to help you instantly stop bill collectors calls.
Make Bill Collectors Stop Calling and Make Bill Collectors Stop Writing. If you have had it with bill collectors and debt collection agencies, you’re not alone! More and More Americans are fighting back and getting debt collectors off of their backs and out of their lives. If you didn’t know it, be advised that there are FEDERAL and STATE laws in place to protect you from debt collectors. Once you enforce those laws, debt collectors have no choice but to comply or face stiff penalties from your State’s Attorney General, Federal Authorities and finally civil lawsuits. The key to make bill collectors stop calling and stop sending those dunning collection letters is to know those laws and how to use them.
Please understand, YOU MAY OWE THE MONEY, the debt may be yours, but that doesn’t give any debt collector the right to harass, harangue, badger, threaten or otherwise browbeat you. To make bill collectors respect your rights, you must take on a “Fight Back” mentality and in many cases put them in their place. We are going to share with you the tools, information, scripts and insights you need to gain control of your debt problem and get your finances back on track. Go to Make Bill Collectors Stop Calling.
The question was asked, “Can Bill Collectors Garnish Wages Without My Knowledge?” The answer is unequivocally NO!” If they could, I promise you they would slap suits on debtors at the drop of a dime! As soon as they determined the debtor’s place of employment and/or the fact that they had bank accounts or other reasonable assets, their motto reads like a newspaper headline: Bill Collectors Garnish Wages. Bear in mind, all of they cannot garnish your wages without your knowledge. Here’s how the process works. They attempt to contact you through debt collection phone calls and dunning collection letters. If those scare tactics don’t work, the account is sent to be evaluated to determine if you have reasonable assets to pay the debt. If not, they won’t pursue a lawsuit. However, bill collectors garnish wages in situations in which they have confirmed assets and moderate to high possibility of acquiring those assets. The important thing to do is become proactive concerning your debt problem. Don’t wait until bill collectors move to garnish your wages.
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First and foremost, we are not providing legal advice; we are only making some general observations. Anytime a bill collector makes such a threat, they have probably violated the Fair Debt Collection Practices Act (FDCPA). My suggestion is that you read the FDCPA in its entirety to find out what your rights are. Even if you owe a creditor and your payment is delinquent, you still have some powerful rights. It is unfortunate but all most all bill collectors will cross the line and violate a debtor’s rights just to collect a past due account. Having shared that, a bill collector cannot garnish your Social Security benefits no matter what they say. The only entities that may garnish your Social Security Benefits is the Internal Revenue Service to recover back taxes and the Federal Government may garnish Social Security Benefits to pay delinquent student loans guaranteed by the Federal Government. Finally, child support enforcement may garnish Social Security Benefits. [...]
