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Are 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 expert 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 extends from this
law suit that just came down against
a large creditor yet the FTC just ordered one the largest ever by a
third party debt collectors 3.2 million dollars
for doing some things that we find a lotta collectors do every day
to consumers that they were just called on 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
that
because there are certain even times a day they can do it
yeah absolutely nm and a lot no follow the rules
but so most common ones that they violate and
what this 3.2 million dollar settlement was
calling before I 8 o'clock in the morning or after nine o'clock at night
hiding their did anyone ever really common ones there is that they block the
caller ID
so you don't know who it is calling right right
they can I use an automatic dialer to call your cell phone
and that's another real common thing as well I got a recorded message to
that's a legal yeah if they leave it there no matter the time it hit no
matter the time in the day but that's only on your cell phones
so a little tricky there only are based 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 case law out there that states that more than three times a day
is 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
I 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 said 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 you to take steps
you know document all calls log all the calls as they call
even if it's a logger just jot down who you spoke to or
with what time of day you against 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
yet 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 a few get a recorded message
that's maybe even better proof right 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
that recorded message and tapes you say all written correspondent too
if you get anything in the mail the most those are actually a are 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
that's a letter this advising 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 many Miranda and that's the phrase that
an attempt to collect a debt near Mission be used for that purpose
if they don't do that this subject up to about a thousand dollar
fine which goes to the consumer not to anywhere else the consumer can get up to
a thousand dollars just but
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 representing
again so yeah
yeah that's what we do credit repair
clients we coach them
and educate them on what they can do to document really build the case and get
our attorney
firm at a Adelman law firm specializes in Ft CPA claims which is
the Fair Debt Collection Practices Act okay
and he'll get you taken care of so how do we find you if needed he absolutely you can
reach us on the web at certified credit experts dot com
or give us a call 816 994 4600 always a pleasure chatting with you thanks for
coming in today
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