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Tuesday, October 14, 2008
Stop Debt Collectors
Author: Gerri Detweiler, Mary Reed, John Ventura
About This Book
Record numbers of people are falling behind on their financial obligations and their debts are being sent to collections. If you're one of them, you know that being contacted by debt collectors can be stressful, especially if they are harassing you, threatening you, and/or using abusive language.
The federal Fair Debt Collection Practices Act (FDCPA) gives you legal rights when it comes to debt collectors. Stop Debt Collectors: How to protect your rights and resolve your debts tells you how to exercise your rights, resolve your debts and fight back against unfair debt collection tactics. Stop Debt Collectors explains:
- The first thing you should do when a debt collector contacts you.
- Your options when a debt collector wants you to pay a past due debt.
- What debt collectors can really do to collect the money that you owe.
- Common high-pressure tactics collectors use and how to respond to them.
- 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," or that paying a debt will automatically improve your credit scores.
- Four tactics for removing collection accounts from your credit reports.
Step Debt Collectors features an appendix with helpful tools and resources, including sample letters, a debt worksheet, links to information about state debt collection laws, and a bonus CD featuring authors Gerri Detweiler and John Ventura discussing many of the key topics in the book.