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you have collectors coming after you unfairly our credit expert is here now with some advice
on
how to really protect yourself Bo Thomas is a certified credit expect who
has helped
consumers all across the country thank you for coming and thank you thank you
this all stems us inviting you here to talk specifically stems from this law suit
that just came down against
a large creditor yet the FTC disordered whether the the largest ever by a third
party debt collectors 3.2 million dollars
for doing something what we find a lotta collectors do every day
to consumers but they were just called on it yeah there are some serious
very specific lines for creditors to call you or get in touch with you and how
they can do it and when they can do it lets go through those and talk about
those
because there are certain even times a day they can do it right
absolutely and and a lot don't follow the rules but
so the most common ones that they violate and what this 3.2 million dollar
settlement was
calling before 8 o'clock in the morning or after nine o'clock at night
hiding their identity one ever really common ones there is that they block the
caller ID
so you don't know who it is calling so you go ahead and pickup right
right they can not use an automatic dialer to call your cell phone
and that's another a common thing as well like a per-recorded message king
of thing that's illegal yeah no matter the time of day no
matter the time in the day but that's only on your cell phones
a little tricky there so on your home phone that's okay
all right very good and this first one we forgot to mention is you cannot call
several times yeah there's a limit and that's harassed they really there's
there's case law out there that states that more than three times in a day
this can be construed as harassment so threes their max
per 24 hour period okay and then you can ask them to
cease and desist you can make a formal request yeah so if you if you tell me
that you refuse to pay the debt
and the stop calling they have to stop calling if they continue to call after
that
that's when you need to take action okay so now I see in a court situation or
something if you try and
and turn to legal help for this it turns into a he said she said
so how in the world do you
you know protect yourself yeah the same to take steps I'm you know document
all calls
log all the calls as they call I even if it's a logger just jot down
who you spoke with what time of day just your own hand written actually that's
all you need its you don't have to have a smoking gun or anything like that yeah
just document down you can go to our web-site we a lot of the free
information there's a log and steps of what to do
okay if you're getting these calls course if you get a recorded message you
that's maybe even absolutely that's why I say that's like surveillance footage
that's that's documentation of them doing okay so he did you get that
save
save that recorded message and you say all written correspondents
to if you get anything in the mail the most those are actually
covered by the business insurance so you don't see very many violations there but any
correspondence you get absolutely there's rules that the Follow
before the first time that they communicate with you an attempt to
collect a debt they have to send you a dunning letter
and that's a letter advising you of your rights each time they communicate with
you that's another key factor they have to advise you of your rights and
it's commonly known as your mini Miranda and that's the phrase that
its an attempt to collect a debt any information will be used for that purpose
if they don't do that this subject up to a thousand dollar
which goes to the consumer not not anybody else the consumer can get up to
a thousand dollars just for that
small tedious mistake okay so let's say you've made these logs you think you've got
all of your
documentation ready then what that's when we turn to someone for help in representing
us yeah
yeah that's and that's what we do with our credit repair clients coach
them
and educate them on what they can do to document really build the case then get
them our attorney
the firm of Addelman law firm specializes in Ft CPA claims which is
the Fair Debt Collection Practices Act okay
and now he'll get you taken of so how do we find you if needed yeah absolutely you can
reach us on the web at certified credit experts dot com or
gives a call 816 994 4600 always a pleasure chatting with you thanks for
coming in today
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