How to Stop Harassing Debt Collection Calls
By
David Knorr
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Copyright © 2011 by David Knorr
Smashwords Edition
All rights reserved. No part of this publication can be reproduced or transmitted in any form or by any means, electronic or mechanical, without permission in writing from David Knorr.
You may print a copy of this book for your personal use only.
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Table of Contents
Chapter 1: Attaining Your Location Information
Chapter 2: Communicating About Your Debt
Chapter 3: Definitions of Harassment
Chapter 4: False Statements by Collectors
Chapter 5: Authenticating Debt Claims
Chapter 6: Gathering Your Evidence
Chapter 8: The Fair Debt Collection Privacy Act
Chapter 9: State Legal Resources
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All information encompassed in this eBook is only for general information purposes and should be used as such. It should not be considered genuine legal advice and it cannot be substituted for the advice of a legal attorney. This book does not recommend, answer for, or endorse any attorneys or legal firms with whom the reader may wish to be or will be in contact with. The process of hiring a legal attorney is a decision that should not depend solely on the information contained herein. All attorneys should be queried as to their experience and qualifications before any agreement is entered into.
This book may provide web links to external or third party internet sites that are not under the control or endorsed by this book. The author of this book is not responsible for the content or actions, actual or perceived, of any third party website. The author accepts no liability for any sites that are linked to as the reader enters them at their own risk.
The material contained within this book is intended to be up-to-date and correct, but the author cannot make full assurances, express or implied, that the information is complete, suitable, or available in all cases and situations. The reader relies on said information at his or her own risk.
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Among the thousands of people in the country who are and have been harassed, demeaned, or poorly treated by an oppressive debt collector or collecting agency, only a few know that there are ways to stop it. If you are one of the many who have had to deal with such treatment, there is a way to fight back, to regain your sense of personal space, and to live free of these stressful situations. This book's aim is to help you achieve all of this.
When the federal government passed the Fair Debt Collection Practices Act (otherwise known as the FDCPA), it took a big step towards recognizing the offenses committed by debt collectors every year towards consumers. The law was written to help consumers avoid and get rid of harassment and persecution that took place at their expense. This is why it is so important for you to know what these rights are. They are the only thing that will defend you in the event that you are harassed by a debt collector. This book is designed to educate you on the actions that debt collectors can and can't commit according to the law and to help you identify when harassment has taken place.
Once you are made aware of your legal recourse through various resources and pieces of information, there should be little reason to not catch a debt collector in the midst of illegal actions. If this should happen and you have followed the advised legal paths and techniques for documenting the law breaking, then you can contact an attorney with your evidence. A resources page at the end of this book lists several state legal resources that will help you in deciding who to contact.
Another benefit to you in purchasing this book is the chapter that highlights real cases of those who have fought back against the collection agencies who were harassing them and who have won their cases. This means that the consumer on top of their debt being paid collected hundreds to thousands of dollars.
The stakes are high in this area, where one step could send you into financial ruin. Don't allow the debt collectors to chase you there. Know your rights and you will be able to take advantage of the opportunities those abusive agencies and their collectors try to use against you.