[pullquote4 align=”center” bgColor=”#0c6fa4″ textColor=”#ffffff”]Are your right being violated? What can you do? Do you know your rights?
Here are 31 rights that get violated very often. Please read and contact us if any apply to you. Call Now (888) 349 6690, the Consultation is Free!
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 [/pullquote4]  [toggle_framed title=”CLICK THE PLUS SIGN TO UNCOVER THE 30 PLUS VIOLATIONS CREDITORS MAY MAKE ” variation=”blue”]
    [dropcap1 bgcolor = “#0d77af”]1[/dropcap1] A debt collector calls me several times per day or per week (please take pictures of your caller ID, create a call log, and if the calls are on your cell phone, please get your cell phone records)[dropcap1 bgcolor=”#0d77af”]2[/dropcap1] The debt collector called me before 8:00 a.m. or after 9:00 p.m., and I have proof (caller ID or phone records).[dropcap1 bgcolor=”#0d77af”]3[/dropcap1] The debt collector was abusive, offensive, screamed, or used profane language.[dropcap1 variation=”teal”]4[/dropcap1] I do not owe the money the debt collector is attempting to collect (I am able to verify this information with my credit report).[dropcap1 variation=”teal”]5[/dropcap1] The debt collector threatened violence, physical harm, or to ruin my reputation.[dropcap1]6[/dropcap1] The debt collection company did not send me a debt validation letter (a debt validation letter must include the amount of the debt, the name of the original creditor, and a statement regarding your right to dispute the debt, and to obtain a validation of the debt).[dropcap1]7[/dropcap1] The debt collector called me at work even though I told the debt collector to stop calling me at work.[dropcap1]8[/dropcap1] The debt collector left me a message on a public answer machine that third parties (family, friends, coworker, or neighbors) overheard.[dropcap1 variation=”teal”]9[/dropcap1] The caller did not disclose that he/she was a debt collector (if you have this on a voice-mail message, please save it).[dropcap1 variation=”teal”]10[/dropcap1] The debt collector did not identify himself/herself in all communications (telephone calls, letters, e-mails, text messages, etc.).
    <[dropcap1]11[/dropcap1] The debt collector called third parties (family, friends coworkers, employer, or neighbors) more than once.> [dropcap1]12[/dropcap1] The debt collector told someone, other than my spouse, that I owe a debt. [dropcap1"]13[/dropcap1] The debt collector continues to call me even though I told the collection company, in writing, to stop contacting me (this is referred to as a cease and desist). [dropcap1 variation="teal"]14[/dropcap1] The debt collector threatened to file a lawsuit against me, but has not done so. [dropcap1 variation="teal"]15[/dropcap1] The debt collector threatened to garnish my wages, but has not done so. [dropcap1]16[/dropcap1]>
    The debt collector threatened to report me to the credit bureau, but has not done so.[dropcap1]17[/dropcap1] The debt collector threatened to put a lien on my property.[dropcap1]18[/dropcap1] The debt collector threatened to repossess my car.[dropcap1 variation=”teal”]19[/dropcap1] The debt collector threatened to issue a warrant for my arrest and/or have me arrested.[dropcap1 variation=”teal”]20[/dropcap1] The debt collector accused me of committing a crime.[dropcap1]21[/dropcap1] The debt collector calls me and does not leave messages.[dropcap1]22[/dropcap1] The debt collector calls me and hangs up when I answer the phone.[dropcap1]23[/dropcap1] The debt collector calls me from a number that comes up “private,” “unknown,” “out of area,” or “restricted,” on my caller ID.[dropcap1 variation=”teal”]24[/dropcap1] The debt collector gave me the impression he/she was a lawyer and/or calling from a law firm.[dropcap1 variation=”teal”]25[/dropcap1] The debt collector gave me the impression he/she worked for the government.[dropcap1]26[/dropcap1] The debt collector threatened to file a lawsuit against me even though the debt is beyond the statute of limitations.[dropcap1]27[/dropcap1] I sent the debt collector a check postdated by more than 5 days.[dropcap1]28[/dropcap1] The debt collector sent me several letters, e-mails, faxes, or text messages.[dropcap1 variation=”teal”]29[/dropcap1] The debt collector sent me a postcard.[dropcap1 variation=”teal”]30[/dropcap1] The debt collector caused collect telephone charges to be made to my phone.[dropcap1]31[/dropcap1] The debt collector sued me in a location where I do not live.[/toggle_framed]



     [fancy_header bgColor=”#0c6fa4″ textColor=”#fffffff”]THE FAIR CREDIT REPORTING ACT (FCRA)[/fancy_header]

    It is a Federal Legislation governing the actions of credit reporting agencies.

    Under the FCRA:[fancy_list style=”circle_arrow”]

    • You have the right to ask  for your credit score
    • You have the right to dispute incomplete or inaccurate information
    • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
    • Consumer reporting agencies may not report outdated negative information
    • Access to your file is limited
    • You must give your consent for reports to be provided to employers
    • You may limit “pre-screened” offers of credit and insurance you get based on information in your credit report by electing to “opt out”.  You can call 1-888-5OPTOUT (888)567-8688
    • You may seek damages from violators

    (For more information see The Fair Credit Reporting Act, Sections 601-629)

    [fancy_header bgColor=”#0c6fa4″ textColor=”#fffffff”]FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)[/fancy_header]

    A Federal Law which regulates the activities of a “Debt Collector”.  A debt collector is any person, other than the creditor, who regularly collects debts owed to others.  This now includes certain lawyers that collect debts.  Debt collectors are required to follow specific rules to protect the rights of consumers.

    Under the FDCPA, debt collectors:[fancy_list style=”check_list”]

    • May not harass, oppress, or abuse consumers
    • Must cease certain contracts and communications when requested to do so and must identify themselves.  They cannot misrepresent themselves.
    • May contact consumers, generally, only between the hours of 8:00a.m. and 9:00p.m., local time of the consumer
    • Must send to the consumer a written notice, within five days after first contact, advising the consumer of the amount of money owed, the name of the creditor to whom owed, and a notice of rights
    • May not communicate with anyone other than the attorney, if the consumer is represented by one

    (For more information see The Fair Debt Collections Practices Act

    [fancy_header bgColor=”#0c6fa4″ textColor=”#fffffff”]THE EQUAL CREDIT OPPORTUNITY ACT (ECOA)[/fancy_header]

    Prohibits credit discrimination on the basis of Sex, Race, Marital Status, Religion, National Origin, Age or receipt of Public Assistance.  Creditors may ask for this information (except religion) in certain situations, but may not use it to discriminate when deciding whether to grant you credit.

    Under the ECOA:[fancy_list style=”minus_list”]

    • You cannot be denied based on your Sex, Race, Marital Status, Religion, National Origin, Age or receipt of Public Assistance.
    • You have the right to have reliable public assistance considered in the same manner as other income
    • If you are denied credit, you have the right to know why.

    (For more information see The Equal Credit Opportunity Act)