Credit Debt Collectors push Paul Montgomery of San Francisco, CA, to breaking point with intimidation & threats as the fight is set to begin!
“I’m sick and tired of these b*stards!” says Paul Montgomery of San Francisco, CA.
“Repeatedly, I have told them I am not the guy they’re after. Still, they call. My wife is freaked out, and I am p*ssed. I’d like to wring their necks. I have no collections…I’m not the guy they’re after,” says Paul.
Unfortunately, Paul’s case is very common.
When debt collectors get you in their cross hairs, they don’t care if you are not their target. In some cases, nasty debt collectors will try to squeeze money out of you, even if you are NOT the one they’re after.
Money is money, and Paul’s money is the same as the “other” Paul Montgomery.
This Paul Montgomery must fight back to bring his blood pressure down and to calm his wife. Getting threatened with arrest is about as serious as it gets.
Click the Read More link below for Paul’s fight against nasty, ruthless debt collectors.
NEVER GIVE UP, PAUL….
If you are receiving calls at unauthorized times or at unauthorized locations, or the caller doesn’t provide the necessary information, or even if the debt collector is threatening you…you must fight back!
If you clearly know the debt collector is violating your rights under Fair Debt Collections Practices Act, you must fight back regardless of the ago of your debt.
However, if the debt collector is not harassing you or violating your rights, you might think carefully about fighting back…or if you are near the end of statute of limitations and/or the debt collector is not suing you.
If it’s the phone calls at home bothering you, program your phone to silence any calls from “unknown” or “blocked” or funky “010xxxxx” numbers.
If you must fight back, start by writing a letter to the collection agency detailing your concerns about the
collector’s actions (the agent’s name, the date and time they’re calling, etc).
In my newsletter THE BIG EXPLOSION, I devote one issue to debt collectors and how strategically to deal with them. You want to be very careful, not resetting statute of limitations unintentionally or agreeing to something that later bites you in the butt.
Request a specific action. For example, you can request that the issue be dealt with in writing from here forward, or that calls only be made to your home. Keep a copy of the letter for yourself.
If a letter to the agency doesn’t do the trick, you’re not out of luck. You can complain to:
#1: The company (that is, the Original Creditor) to which you owe the money.
#2: Your state’s Consumer Protection Office. Do an internet search for “consumer protection <your state>” to find the contact info you need.
#3: The Federal Trade Commission’s Bureau of Consumer Protection.
Your last resort is to sue the collector in state or federal court, but hopefully it doesn’t get that far.
The first step is to request a letter from the collector confirming the charges in question. That may solve the problem if the agency recognizes its mistake. If not,
it’s time to call the organization directly that’s requesting your money!
Among other things, Stop Debt Collectors explains:
* The very first thing you should do when a debt collector contacts you.
* Your options when a debt collector wants you to pay a past due debt.
* What debt collectors can really do to collect the money that you owe.
* Common high-pressure tactics collectors use and how to respond to them.
* How and when to hire an attorney to help you deal with a debt collector.
* Why debt collectors are lying when they say they can ruin your credit “forever”, or that paying a debt will automatically improve your credit scores.
* Four tactics for removing collection accounts from your credit reports.
I’ll also tell you:
* Why you should never give a debt collector a post-dated check.
* The most dangerous way to pay a debt collector.
* How to manage your past due medical debts.
* What to do if you’re worried about losing your home in a foreclosure.
* How to avoid having your car repossessed.
Credit debt solutions–the solid step-by-step information you demand–remove the fear and confusion on which debt collectors rely to steal your money. What is your experience with debt collectors? Has a debt collector harassed you, calling you at home before 8 AM and after 9 PM? Has a debt collector called you at work, even when you said not to call you at work? In more severe cases, debt collectors will call your neighbors and family members…to put added heat on you. Please go to the box below to share your experience with debt collectors. Chances are, I’m not going to see any “happy” stories involving debt collectors.
Welcome back! Got a question for me...or an experience to share? Please go to the bottom of this article to ask a question or share an experience. :) Thank you!
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