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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 expect much help
consumers all across the country thank you for coming and thank you thank you
this all stems us inviting you here to talk specifically about this law
suit that just came down against
a large creditor yet the FTC just ordered one of the largest ever by a
third party debt collectors 3.2 million dollars
for doing some what 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 about
those because there are certain
even times a day they can do it right yeah absolutely and a lot of them 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 of the really common ones there is that they block the
caller ID
so I don't know her days as a guide to gather at all right right
they can't use an automatic dialer to call your cell phone
and that's another real common thing as well like a per-recorded message kind of thing
that's illegal matter the time of day no
matter the time of day but that's only on your cell phones
so it's 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 harass really there's
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 and to 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 turned to legal help for this it turns into a he said she said
so at how in the world do you
you know protect yourself yeah this so you take steps um you you know document
all calls
log all the calls as they call I even if it's a log just jot down
who you spoke to with what time of day 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
document down you can go to our website there's a lot of the free
information there's a log and steps of what to do
if you're getting these calls course if you get a recorded message
that's maybe even absolutely that's why I say that's like surveillance footage
ahh that's that's documentation above them doing okay so he did you get that
save
hey that recorded message and tapes you say all written correspondents and tapes
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 you of your rights each time they communicate with you
that's another key factor they have to advise you have your rights and
it's commonly known as your mini Miranda and that's the phrase that
some attempt to collect a debt near Mission be used for that purpose
if they don't do that this subject up to 1000 dollar fine
which goes to the consumer not to anybody else the consumer can get up
to a thousand dollars just that
small tedious mistake okay so let's say you've made these logs you've
got all your
documentation ready then what that's when we turn to someone for help in
representing again so yeah
yeah that's why and that's what we do it we would occur pack last week me coach
them
and educate them on what they can do to document really build the case and get
our attorney
firm Addelman law firm specializes in Ft CPA claims which is
the Fair Debt Collection Practices Act okay
he'll get you taken of so how do we find you if needed absolutely you can reach us on
the web it's certified credit experts dot com
give us a call at 816 994 4600
always a pleasure chatting with you thanks for coming in today so
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