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are collectors coming after you unfairly credit repair 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 stems from this law
suit that just came down against
a large creditor yeah the FTC just ordered one the largest ever by a
third party debt collectors 3.2 million dollars
for doing something 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 rather
absolutely and a lot of them don't follow the rules but
so in 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 really common ones there is that they block the
caller ID
so I don't know who it is calling right right
they cannot use an automatic dialer to call your cell phone
and that's another real common thing as well like a pre-recorded message to
that's illegal yeah if they leave it there no matter the time
of day no matter the time in the day but that's only on your cell phones so
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 a harassed they really there's
there's case law out there that states that more than three times in a day
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 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 lets say you take steps
you know document all calls log all the calls as they call
even if it's a log just jot down who you spoke
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
yet just document down you can go to our web-site we have 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 you
that's maybe even absolutely that's why I say that's like surveillance footage
and that's that's documentation of them doing okay so he did you get that
save
save that recorded message and tapes you say all written correspondents to
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 duning letter
INS a letter this advising 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 it
an attempt to collect a debt any information will be used for that purpose
if they don't do that they're subject up to 1000 dollars fine
which goes to the consumer not 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 think you've got
all here
documentation ready then what that's when we turn to someone for help in
representing yeah
yeah that's and that's what we do it with our credit repair clients we
coach them
and educate them on what they can do to document really build the case then we get
them our attorney
the firm Attleman law firm specializes in Ft CPA claims which is
the Fair Debt Collection Practices Act okay
and now he'll get you taken care 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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