Debt Collection BlogOur debt collection blog keeps you updated with new information about dealing with debt collectors, including updates to our e-book. "Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights," We'll also feature answers to your debt collection questions. You are always welcome to ask a debt collection question and we will answer it for free! (Just click on Q&A to your left.) Mar 9, 2010, payday loan debtIn Kentucky is it legal for payday loans companies call you at work in attempt to collect debt? My boss is not very happy about it and says that it is Permalink -- click for full blog post "payday loan debt" Mar 9, 2010, Both parents are deceased...Dad 2 yrs ago and Mom 5 yrs ago.-harassing collection calls for their debt. A third part collection agency 'TOTAL CREDIT RECOVERY LTD.' has been incessantly Permalink -- click for full blog post "Both parents are deceased." Mar 9, 2010, New fees and now a higher demandMy son (age 18) was caught shoplifting last fall. The store did not press charges but told him that he would be contacted about restitution. The amount Permalink -- click for full blog post "New fees and now a higher demand" Mar 9, 2010, Making regular payments I can afford - Can they Send to Collections?I have a balance on an old apartment lease (broken lease 1 month rent) that I am making regular payments on of an amount I can afford as I am only one Mar 9, 2010, DEFAULT JUDGEMENTIF A CREDITOR GETS A DEFAULT JUDGMENT AGAINST YOU, AND THEY GARNISH YOUR WAGES, WHAT DETERMINES HOW MUCH THEY WILL GARNISH FROM EACH PAY PERIOD Permalink -- click for full blog post "DEFAULT JUDGEMENT" Mar 9, 2010, PROCESS SERVERi received a settlement offer in the mail from a collector for a credit card. i also received a notice on my door from a process server regarding the Permalink -- click for full blog post "PROCESS SERVER" Mar 8, 2010, New Jersey Considering a State Debt Collection LawThe Fair Debt Collection Practices Act is the federal law that helps protect consumers from the abusive practices of debt collectors. However, many states have their own debt collection laws and those laws often provide consumers with more protections than the federal law and also impose bigger penalties on debt collectors found guilty of abusing the law. New Jersey may soon have its own debt collection law now that the New Jersey Assembly Consumer Affairs Committee has approved the New Jersey Fair Debt Collection Practices Act. Next, the legislation will be considered by the full Assembly. Some of the legislation’s provisions mirror that of the FDCPA, but there are new provisions too. Also, compared to the federal law, the New Jersey legislation gives consumers the opportunity to win larger judgments against debt collectors if they sue a collector and win. Sponsors of the bill say that they are not trying to stop debt collectors from collecting debts from consumers. They are trying to stop debt collectors from harassing, abusing, intimidating or oppressing consumers into paying them money -- money the consumers may not owe. It’s simply a matter of protecting consumers. Contact your Assemblyperson to vote FOR passage of the New Jersey Fair Debt Collection Practices Act, www.njleg.state.nj.us/members/legsearch.asp. Mar 8, 2010, Cease and Desist LetterBefore you send a cease and desist letter to a debt collector, read this important warning from consumer advocates and authors of Debt Collection Answers Permalink -- click for full blog post "Cease and Desist Letter" Mar 8, 2010, i no longer work and i receive social security benefitsI went to the emergency room last year.(I have no health insurance at the time i was seen and I told them that I still do not have any medical coverage Permalink -- click for full blog post "i no longer work and i receive social security benefits " Mar 8, 2010, What do I do if a debt collector is calling me on something I know nothing about?Recently a debt collector has been calling me about owing money to a phone company that I have never had business with. They are saying that I owe them Mar 7, 2010, GARNISH BANK ACCOUNTI have three kids i have child support from my ex husband i receive unemployment cant they garnished my account..? Permalink -- click for full blog post "GARNISH BANK ACCOUNT" Mar 7, 2010, Sent to collectionsCan I be sent to collections without receiving a statement of charges or being notified that if I do not pay my bill I will be sent to collections. Permalink -- click for full blog post "Sent to collections" Mar 7, 2010, Sued for a debtI had legal papers served 30 days ago trying to collect to collect money owed to me. How long do i wait before my next step? And could you tell me what Permalink -- click for full blog post "Sued for a debt" Mar 7, 2010, Continuous calls to Family and FriendsA specific debt collector continuously contacts my family and friends as early as 8am. I no longer live with them, haven't for years now, and, in fact, Permalink -- click for full blog post "Continuous calls to Family and Friends" Mar 7, 2010, Re: Already paid a debt but still being asked to pay it by creditors!Ok so I already paid in full a debt with a credit card that I no longer use and I am trying to paid that credit card off that was used to pay that debt
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