I've provided you with this list of collection agencies. Now
will you please do me a little favor?
All I ask of you is to click on this link and tell me Why you are looking for a collection
agency?
A very important read.
Understanding how debt collectors operate
I can teach you how to force them to take it off in return for
payment in full of what you owe them! It is simple and easy to do
and leaves them with no choice but to take it off your credit
reports within 10 days after they cash your payment check
regardless of what their silly contract with the credit bureaus
says. And I'll teach you how to do it for free! No cost nor
obligation whatever!
All you have to do to learn this valuable secret is to go back up
to the top and click on the link that asks you to tell me why you
are looking for that collection agency. And I will not sell or give
away your email address and I will not send you any spam!
Guaranteed! Your privacy will be completely and totally
protected.
I hate spammers as much or maybe even more than most folks do. In
fact, I double dare any spammer to send me an email at
bbauer@providiots.com because Oklahoma has a new anti-spam law that
allows me to sue them for up to $25,000 a pop!
So, do you really want to pay them after all? If not then I can teach you how to not only make them take it off your credit reports but pay the bill for you as well!
All you have to do is learn the law and how to use it to protect
you and your family from these vultures. They are absolute
criminals and they have absolutely no respect for you whatever.
They think you are a low life scum because you didn't pay your
bills, never mind the fact that you may have lost your job or had
family health problems. If you really want to know what they think
of you then just
visit this website where they talk among themselves and reveal
their true feelings about the people they collect from and the
dirty tricks they use to get people to pay them.
So what else can I do for you? I can teach you how to get great
credit ratings and never have to pay them a crying dime! I can
teach you how to make them pay you huge damage awards for their
unlawful actions. I can teach you how to beat their lawyers and
keep them from getting judgments against you! I can teach you how
to get their judgments vacated and voided as well.
And no, I'm not a lawyer and I wouldn't admit it if I was! All you
have to do to learn how to win the collections game is to go back
up to the top and send me that email and I will be glad to give you
the help you really need.
2. Payment Deadlines Are Phony
Payment deadlines set by collectors are meaningless. Collectors
simply want to create a sense of urgency, because the longer it
takes to get you to pay, the less chance there is of collecting the
debt.
3. They Don't Need a 'Financial Statement'
Collectors often claim they need a "financial statement" from you,
so they can work out a realistic repayment plan. You'll notice,
though, that the information they ask for -- bank account numbers,
references, place of employment -- is far more than they need for
that purpose. They're fishing for information that will help them
find you if you move or sue you if you don't repay the debt.
4. The Threats Are Inflated
Collectors always graphically detail the disastrous consequences of
failing to pay a debt. "Your credit rating will be ruined," they
warn. (Not mentioning that it's probably already not so good, since
a collection company is after you.) "Your personal possessions,
including your car, could be seized and sold at a public auction!"
(Never mind that this virtually never happens; it's illegal in some
states and impractical because of the expense.) Probably 95% of the
time, collectors go after only bank accounts and wages.
5. You Can Stop Their Calls
You have the right, under federal law, to tell a collection agency
to stop contacting you. Just do it in writing, and contacts must
stop, unless they're to tell you that collection efforts have ended
or the agency is going to take a specific action (like filing a
lawsuit) against you. But you must be careful with this because if
you leave them no way to contact you they will probably file a
lawsuit on you. You can tell them to stop calling you or contacting
you at work but don't send a full cease & desist because that
will probably get you hauled into court and I'm sure you don't need
or want that. The easy and painless way to stop them from calling
your home and bugging you to death is to get a copy of my famous 18
questions and demand that they answer each and every one of them
every time they call. Just remember that federal law demands that
they give full and complete disclosure of who they are and the
purpose of their call every time they call you and my 18 questions
will ensure that they do just that. If you make them answer all 18
questions then they have nothing left to talk about so just hang
up. The conversation is done anyway so don't let them start their
harassment of you.
6. They Can Find Out How Much You Have in the Bank
A collector who has your bank account and social security numbers
can probably easily find out the balance of the account. Because
big banks now have automated account inquiry systems, the collector
doesn't even have to speak to a human being; all it takes is a
phone call to the automated voice-mail service. When the account
number and social security numbers are punched in, the computer
promptly supplies an up-to-the-minute account balance.
7. If You're Out of State, They're Out of Luck
Collection agencies routinely call out-of-state debtors to demand
payment. But if a creditor has sued you and won, you are probably
safe from enforcement action if you bank and work outside the state
where the lawsuit was filed. That's because to collect, the
collection agency must transfer the judgment to your state, which
is prohibitively time-consuming and expensive.
8. They Can't Take It All
Certain income, such as social security, pensions and 75% of your
take-home pay, is exempt from enforcement action. You can file a
claim of exemption from a garnishment of the other 25% of your
wages if it would cause you or your family severe hardship.
9. They May Not Know a Thing
Sometimes a collection agency lawyer, trying to collect a judgment
debt, sends questions on a court form asking about your income and
assets. (These are called "post-judgment interrogatories" or
"information subpoenas.") This is good news for you -- it means
that the agency has no information and is hoping you will be
intimidated enough by this legal questionnaire to complete it. Many
people do, because the forms list sanctions, such as fines, for not
doing so. But normally, it is too expensive and time-consuming for
an agency to go to court and force compliance.
10. You Can Pay Student Loans in Installments
If you are behind on student loans, you can apply for what every
collection agency hates: "reasonable and affordable payments" under
the 1992 Higher Education Act. If you can document financial
hardship, a collection agency must accept as little as $10 per
month for at least six months. As long as you make the payments,
you are eligible for Title IV Student Aid, and you can continue the
payments unless your circumstances change.
A very important read.
Here is a web site that lists thousands of collection agencies from all over the U.S.
