Fight Back Against Unfair Debt Collection Practices: Know by Fred Williams PDF

By Fred Williams

Named one among Library Journal’s top enterprise Books of 2010.   This 12 months, America’s huge, immense debt assortment will make 1,000,000,000 assortment calls. they're going to threaten. Lie. lie to. Intimidate. Award-winning reporter Fred Williams went “undercover” within certainly one of its biggest corporations. Now, he finds every little thing he learned—and indicates precisely the right way to struggle again and defend your rights.

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This was a collection office that used the name of a law firm, but Arnold never saw a lawyer in the building. The office focused on collecting bounced checks—“NSF” in collector-speak— obtained by a debt buyer who ran the operation behind the scenes. The collectors worked from a script that made it sound like their “law office” had already drawn up court papers, which they were itching to file. “They’ll get the name of the county the debtor is in and say papers are being filed in that county’s courthouse in the morning, unless [the debtor] pays now,” Arnold told me.

The defendants have little documentation regarding the original debts, and very often are collecting from people that never owed a debt in the first place. ”8 What is important to note about CAMCO was that the brazenly illegal conduct did not occur at some small-time operator with a suitcase packed for a quick getaway. This was a Delaware-filed corporation with various operating units, hundreds of employees, and an eight-story headquarters building in Rockville, Illinois—which it owned. “The scale of this fraud is staggering,” the FTC said in court papers.

And if you do let someone steal an account that you have been working, shame on you. You were caught napping and you lost out—so it is your From the Library of Wow! eBook 46 FIGHT BACK AGAINST UNFAIR DEBT COLLECTION PRACTICES fault. If you had made the call—that last, successful call—the payment would be yours. The crucial rule is that any payment that comes in within 24 hours of the last call made to an account goes to the collector who made the call, regardless of who takes the payment. This works in tandem with another rule that prohibits more than one call in a 24-hour period, unless it is a follow-up call that the debtor is expecting.

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