Attorneys Can Help You Fight Debt Harassment
The very best thing you can do when dealing with a creditor on the phone is take control of the call. Because you’re the debtor you may feel like your options are limited. The fact of the matter is you have a lot more power than you realize. They’re calling you because you have something they want: Money. That gives you an amazing power over them so use it to your advantage.
Time barred debts are not mentioned clearly in the FDCPA. Debt collectors may attempt to collect time barred debts but the FDCPA does not state anything clearly about this. The FDCPA comes into picture when debt collectors play foul with you. They may attempt to collect time barred debts but they should not sue or threaten to sue you for the debt. If a debt collector attempts to collect or sues you for a time barred debt, you may get the suit dismissed at a court of law by proving the time barred state of the debt.
At the Kaplan Group we are a full-service commercial collection agency and we have been successfully handling commercial debt collections for 21 years. Our staff is highly educated and experienced, each with at least 10 years of commercial collection experience. We tailor our debt collection strategy to fit the needs of each individual case, and when you hire our agency, we have a simple policy, if we do not successfully collect your bad debts, there are no fees. We will do what it takes to collect your money, within the auspices of the law and collect it fast.
Before the Fair Debt Collection Practices Act, a debt collector didn’t have to worry about getting in trouble by using unlawful debt collection tactics. They were able to do whatever they thought was necessary in order to collect a debt. But thank goodness times have changed. Now, Debt Collectors have strict rules that they must follow in order to stay above the law. Here’s a rundown on the rules so you will know exactly if and when a debt collector crosses the line.
Ending, the debt validation concept makes the collectors follow the law, and prevent scam artist from robbing you from your hard earned money. So the next time you receive a letter or a call from the collector, make sure you apply your new found weapon.
Against debt collectors, however, you have much more specific rights. And this goes back to the commercial realities underlying the transactions. There is no customer-based relationship between the debt collectors and the people from whom they are collecting. There only customers are either the original creditors, or none at all-they are acting independently on their own behalf and, as far as the market is concerned, are free to take any actions whatever to collect the money. This has given rise to some extreme and shocking abuses, and it led to the passage of the Fair Debt Collection Practices Act (FDCPA), among other legislation.
The entire population and our country is falling apart because neither apparently understands debt. Right now the government is up to trillions of dollars of debt so expect new terminology like quadrillion, quintillion, and sextillion to be added to your vocabulary when you start complaining about the government. Hopefully your card debt is less than 1 million which once was a very large number.
Although, there are no strict methods that can be applied to protect yourself from getting caught in the web of paying debts already paid, a few tips can be taken to avoid any disturbances.
If it is, then a formal complaint can be made to the CSA. An answer to a card debt court summons is usually only one to three pages long.
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