FTC 2010 Report Warns: Debt Collector Harassment Getting Worse

Posted: 07/10/2010 by Debt Warriors! in Consumer Rights, Debt Collector Harassment, Debt Collector threats, Debt Management, Debt collection phone calls
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Debt Collection Complaints Up 50% from 2009

FTC Chart shows rise in Debt Collection Complaints

(the FTC chart above shows the rise in debt collection harassment from 2007 to 2009)

Debt Collection Terrorist are notorious for their repeated phone calls,fear tactics, and underhanded tricks. But according to the 2010 Federal Trade Commission (FTC) Congressional Report on the Fair Debt Collections Practices Act (FDCPA), complaints about Debt Collection Terrorists have soared by 50% since 2009.

The FTC / FDCPA  2010 Report  Found More Shocking Statistics Including:

  • Complaints of Debt Collectors using obscene language is up 35%
  • 2,517 incidents of a threat or actual use of violence by Debt Collectors
  • 9,632 complaints, asserted that collectors demanded interest, fees, or expenses that were not owed (such as collection fees, late fees, and court costs)

What’s more shocking is that complaints about Debt Collector Harassment are set to rise another 13% in 2010. It’s estimated that Debt Collection Harassment in 2010, will rise by 63%, over 2009 levels. You can review the entire Federal Trade Commission 2010 Report to Congress. Click here to open the full FDCPA report in a new tab or window.

Are You Being Harassed By Debt Collection Terrorists?

Debt Warriors believe you should be prepared and not scared of Debt Collection Terrorist. That’s why Debt Warriors have produced the ultimate weapon to help you defeat dirty Debt Collection Terrorists. The video below explains more about the Debt Warriors Arsenal.

OPERATION ONE: Stop Debt Collector Harassment

Stop Debt Collection Harassment: Order Your Debt Warriors Arsenal

OPERATION ONE: “Stop Debt Collector Harassment” Video Course ($50 value)

Right out of the box, the DEBT WARRIORS ARSENAL™ will show you how to stop all harassment by Debt Collectors and FORCE them to prove that you owe what they claim you owe.

You may not owe  anything to the Debt Collector. And there is NO reason why you should be hounded and harassed (for the debt) even if you do owe!

In OPERATION ONE Debt Warriors will show you,  step-by-step,  how to stop greedy and mischievous Debt Collectors from lying, terrifying and embarrassing you at home, work, or with friends and relatives .

It makes no sense to pay a bill that you don’t legally owe.

In OPERATION ONE, you’ll be coached step-by-step through the process of Debt Validation to make the Debt Collection Terrorist, put up the proof  (that you owe) or shut up and leave you alone!

“Cease Communications and Debt Validation Letter.” [C.C.D.V. LETTER]

($50 value)

Did you know that with one easy to “customize and send” letter, you can stop all telephone harassment by Debt Collectors on Demand? Under the Fair Debt Collection Practices Act, you have the right to sue a Debt Collector for harassing you. I’ve seen it done in Court and trust me, it does work!

If you’re willing to learn and use your rights, this form alone will save you years of time, worry and stress.

Don’t let the Debt Collection Terrorist win? You can defeat Debt Collectors and stop the harassment yourself. The Debt Warriors Arsenal shows you how. Click here to learn how to stop Debt Collector Harassment.

Have You Been Harassed By A Debt Collection Terrorist In The Past?

If you’ve been harassed by a Debt Collector, tell us your story by leaving a comment below.

Unpaid Debts May Get You Arrested

Posted: 06/27/2010 by Debt Warriors! in debt elimination tips
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Can You Be Arrested For An Unpaid Debt?

Virginia Debtors Prison Landmark

Virginia Debtors Prison Site

The Star Tribune Reports that Debtors are in jail for being in debt.  While she sat in jail, Joy Uhlmeyer, said to herself, “not for “a stupid credit card”.  But there she was behind bars, for a past-due credit card debt.

Debtors Prisons were abolished last Century. So, why are states like Arizona, Washington, and Arkansas locking up Debtors?   The top two reasons are; Junk Debt Buyers are hiring Attorneys to get Judgments, and some states have provisions that allow Debtors to be arrested for a debt for not complying with a money judgment.

What Can You Do If You Have Unpaid Debts?

1. Contact your County Clerk

It’s best to go to your County Clerks office and ask, “can I be arrested for an unpaid ‘Money Judgment?’. Be warned, the County Clerk can not give legal advice. But most will give legal information.

2. Engage The Creditor or Debt Collector

What would you rather fight? A. a battle that you have little control over defeat, or, B. a battle in which you have a better chance at victory?  By engaging your Creditors you have a much better chance of winning. That’s because when you engage, with the objective of  negotiating a positive outcome, you give yourself control over a  successful outcome. Plus, engaging allows you to advocate for yourself.

3. Consult With A Consumer Attorney in Your State

The Battlefield of Debt has moved from the phone and mailbox to the Court of Law. To be successful, it’s best that you seek the help of a Consumer Attorney. An experienced Attorney can advise you of your Rights. The National Association of Consumer Advocates can connect you to a Consumer Attorney in your state.

Don’t let a “stupid credit card” get you arrested. Learn your Rights, fight back, engage the enemy of your financial freedom.

Top 3 Statue Of Limitations Debt Collections Myths

Posted: 05/08/2010 by Debt Warriors! in Credit Boot-camp, Debt Management, Predatory lending, Stop Debt Collector Harassment, credit and debt help, debt statue of limitations
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(Staute Of Limitations) Video Course

OPERATION TWO:(Staute Of Limitations) Video Course

What is the Statue of Limitations for Debt Collection?

The Statue of Limitations (SOL) is the amount of time that a 1st Party Creditor, or the 3rd Party Debt Collector can legally collect on a debt.

Once a Debt has past the Statue of Limitations for  Collection, the 2nd Party “Debtor” can not be successfully sued for the debt.

Special Note: The SOL is varies from State to State and is based on a number of factors.

It seems simple enough. After a certain amount of time, depending on the State,  debt can’t be collected on. But there are many Statute of Limitations myths to beware of.

Today Debt Warriors will share the top 3 Statue of Limitations Debt Collection Myths.

Myth #1: Time-Barred Debt

Once a debt has passed the Statue of Limitations it is considered “Time-Barred” and can not legally be collected on.

Not true! The 3rd Party Debt Collector can and will ATTEMPT to collect a debt that has passed the SOL for collections. It is not illegal to attempt to collect a debt that has past the statue of limitation.

Myth #2 Debt Collectors Can Not Sue For a Time-Barred Debt.

Be on guard because 3rd Party Debt Collectors can and do SUE the 2nd Party Debtors in Court for a Time-Barred Debt.

Submitted: 9/4/2007

” I recently received a letter from Asset Acceptance in Warren, Michigan. Within a few days I received a certified letter from the local court stating that Asset Acceptance was trying to get $1300 plus from me for a credit card account dating from 1994.

After doing research on the Fair Debt Collection Practices Act I realized that they cannot collect on a debt that is over 6 years old in Ohio.

I am forwarding this information to the court and to Asset Acceptance. Had I not known about the Fair Debt Collection Practices Act I would of thought I still owed the money. Do research before you pay to see if you are still liable for a old debt. Asset Acceptance should be shut down today and not allowed to rip anymore people off.

Upsetinohio
findlay, Ohio
U.S.A.  “

Debt Collectors will attempt to collect on any debt in question – even after that debt has passed the Statue of Limitations for Collections and is considered Time-Barred. In the  case above Asset Acceptance had filed a Lawsuit for a debt over 20 years old.

Myth #3 Paying a Time-Barred Debt Will Improve Your Credit

Paying a Debt that has passed the SOL for collection is like bringing a dead monster back to life. Once a Debt has passed the Statue Of Limitations for collection, it is considered a “Dead Debt”. Paying the Debt gives the account 7 more years to sit on your Credit Report.

To Become An Expert On The Statue Of Limitations Order Operation Two

Get Bonus Statue of Limitations Guide When You Order

How Can You Tell If Your Debt Has Passed The SOL?

That’s what Debt Warriors teach You in Operation Two Time-Check. This 10 minute video course will tell you everything you need to know about the Statue of Limitations for Debt Collection.

Many people lose money paying debts that are dead. Or worse, they make a “Good-Faith Payment” and “Legally Re-Age” the account.  These people end up  stuck with that debt for at least 7 1/2 more  years (sometimes longer).

In OPERATION TWO, Time-Check, DEBT WARRIORS help you determine if the debt is owed or simply too old to be collected on.

This OPERATION also provides step-by-step instructions to correct an “Illegally Re-Aged Account” on your credit report.

Operation Two Time-Check will save you time, money and stress by showing you exactly how to tell if your debt is Time-Barred.

You’ll learn what Debts are exempt from the SOL and how to defend yourself when a 3rd Party Debt Collector tries to unfairly collect on a Debt that has passed the SOL for collection. To order Operation Two Time Check click here.

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