Read the Fair Debt Collections Practices Act,
and the Consumer Protection Act, 15 USC, sec.1692, and Regulation Z, Truth in Lending
and collections therein. I have handled over
30 Debt Collectors since 2000, lost none.
4 law firms, all bailed. Learn the laws that
they have to abide by, then you know when they violate them. Once a violation occurs,
call them on it. By law no further action is
allowed after the violation, because every
thing after the violation is is deemed predicated (dependent) on the violation.
In other words, avery thing that happens
after an error is no good and can be thrown
out by law. Record their phone calls, or at
least tell them you are, they will either
hang up, or be more proffessional, or tell
you you can not record them, which is BS.
The 800 numbers allow them to record, when
you call them, it will say, "This call may
be recorded for quality control" or something
along that line. In most states it requires
the consent of both parties to be recorded.
Violation of Federal Communications Commission Rules, Regs. Call the FCC and have
their phone number put on a block for harrassing phone calls. NEVER ADMIT TO ANYTHING TO THEM OVER THE PHONE!!! You do not
know who they are!!! "Mommy told me not to
talk to strangers on the phone" goodbye!
Forgot didn't you!!! They sure won't put in
writting what they say on the phone! Don't
get coned into the phone game! Hang up! They
will trick you into "CONTRACTING" and you won't even know it! I have the federal regs
that say what they are doing is prohibited
by federal law when you structure the events
in the correct order all sorts of violations
appear. Remember Deceptive is a watered down
legal term for FRAUD. I hope somebody is getting the picture here, bottom line...
YOU OWE NOTHING WITHOUT A LEGIT CONTRACT!!!
Tired of the fraud in California