Are you being hounded by
debt collectors?Debt Collection Answers: How to Use Debt Collection Laws
to Protect Your Rights has been written to help you put an end to your
debt collection problems!
Record numbers of people are falling behind
on their bills. If you’re one of them, you know that juggling your bills and
expenses can be stressful enough. But when debt collectors are harassing and
threatening you, your stress level can become more than you can handle.
Debt Collection Answers: How to Use
Debt Collection Laws to Protect Your Rights was
written by two nationally recognized personal finance experts, to help you
fight back against unfair collection tactics. It explains your legal rights
when it comes to debt collectors and tells you how to exercise them. After
reading this book and following its strategies, you’ll gain peace of mind
from knowing that you’ve taken control of your financial situation.
Using the practical, step-by-step,
easy-to-follow advice and information in this e-book, you'll learn:
- The very first thing
you must do when a debt collector contacts you
- What to say (and not
say) when you can't afford to meet a debt collector demands
- How to settle your
debts for less
- What debt collectors
can really do to collect the money that you owe
- Common high-pressure
tactics collectors use and how to fight back
- Why sending a cease
and desist letter can make your situation worse
- How and when to hire
an attorney to help you deal with a debt collector
- Why debt collectors
are lying when they say they can ruin your credit “forever”
- Four tactics for
removing collection accounts from your credit reports
When you readDebt
Collection Answers, you’ll also find out:
- Why you should never
give a debt collector a post-dated check
- The most dangerous way
to pay a debt collector
- How to manage your
past due medical debts
- What to do if you are
in danger of having your house foreclosed upon
- How to avoid having
your car repossessed.
The appendix toDebt
Collection Answers is chock full of additional helpful tools and
resources. You’ll get:
- A worksheet for
recording information about all of your interactions with each debt
collector who contacts you. If you decide to sue a debt collector for
violating your rights or to file a complaint against a debt collector
with the federal government or with your state attorney general’s
office, the information on your worksheet may be invaluable.
- Links to state debt
collection laws. Some states have their own debt collection laws and
those laws may offer more protections than the FDCPA.
- Sample letters you can
use to help you write your own letters to debt collectors.
- A revealing interview
with Mr. X, a former debt collector. Read it for valuable insider
information about how debt collectors work.
You don’t have to deal with harassment, threats or abusive behavior! You
have legal rights when it comes to debt collectors. This expert guide tells
you how to resolve your debt collector problems by exercising those rights.
This book is not about wiggling out of your debts. It’s about leveling the
debt collection playing field, so you can end your financial nightmare and
get on with your life.