Kentucky Debt Collector Got Your
Number?
Are
you dealing with an Indiana or Kentucky
debt collector?
From: Kate
Corydon, Southern Indiana
Thursday 08:39am
Kate Rieger
Never Deal With An Indiana or Kentucky Debt Collector on
the phone!
|
The rules are different for
third-party collection agencies and debt
collectors acting on behalf of their own
company.
Generally speaking, the Fair Debt
Collection Practices Act (FDCPA) applies
only to third-party collectors, not
in-house collectors.
Collectors that fall under the laws of
the FDCPA
-
Collection agencies
-
Attorneys who regularly collect
debts
-
Creditors using a false name
-
Creditors collecting for another
person
-
Repossession and foreclosure
companies
-
Suppliers or designers of deceptive
forms (some collectors may use
these)
-
Purchasers of debt after default
-
For-profit credit counselors
- Check
guarantee services
- 3rd
party collectors collecting for
landlords including attorneys,
realty companies and companies
collecting rent debts
Collectors excluded from the FDCPA
-
Creditors who are collecting their
own debts
-
Assignees-- these are service
companies such as a finance company
that start up a collection process
prior to the default on mortgages,
student loans, rental agreements,
utility bills, medical bills and
other consumer transactions
-
Government employees
-
Business creditors (commercial
lenders)
-
Non-profit credit counselors
Transactions
that are covered by the FDCPA
are those an for personal family
or household purposes. Commercial
transactions are not covered.
-
Bad checks
-
Medical bills
-
Insurance bills and claims
-
Rent
-
Utility bills
-
Credit cards
-
Student loans
-
Condo fees
-
Attorney fees
-
Judgments
-
Obligations discharged in
bankruptcy
-
Auto loans
-
Other personal debts
including parking tickets
|
Prohibited
Practices
- A
collector made contact you only
between 8:00 AM and 9:00 PM
-
Collectors may not contact your work
if they know your employer
disapproves
-
Collectors may not appear as the
press or abuse you
-
Collectors may not lie when
collecting debts (for example,
telling you that you've committed a
crime because you have not paid a
bill)
-
Collectors must identify themselves
on the phone
-
Collectors make all your neighbors
but only to determine where you are
in all the one time
- that
collectors must stop contacting you
if you ask them to stop in writing
-
Collectors may not discuss your
debts with any third party unless
its your attorney, the creditor's
attorney, a credit reporting agency,
co-debtor, guardian, administrator
or executor, or parent of a minor.
If you are
interested in starting your own credit
repair today all you have to do is
enroll in my free online mini course
called
"Extreme Debt Reduction & Credit Score Boosting Strategies That 98% Of Borrowers
Will Never Know -- And How
You Can Learn These Strategies Too..."
Well, the title is a bit
long, but the course has 7 concise lessons that you can refer back to at any
time. To
start this free, online mini-course, please complete the short form below
and you can start immediately -
Yes Kate - I
want to start today!
What others are saying...
Hi Kate,
I do want to thank you so much for your quick and thorough responses to my questions. I am amazed at the amount of information you manage to deliver. Your
program is terrific.
You give an awful lot of personal attention that can never come from a computer
program.
Thanks for everything - I mean it!
Melissa
Louisville, KY
__________________________________________________
Dear Ms Rieger,
God Bless You!
You treated me like I was someone
important. I thank you for that and for showing me how to improve my FICO
scores. You are truly amazing!
Sincerely,
Roberta D.
Jeffersonville, IN
__________________________________________________
Credit Rejuvenations Rocks!
Dave
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P.P.S.
Remember, if you haven't done it yet, make sure you
get your free Special
Mini-Course entitled "Extreme Debt Reduction &
Credit Score Boosting Strategies That 98% Of Borrowers Will Never Know --
And How You Can Learn These Strategies Too..." by completing
the sign-up form above.
Warmest Regards,
 |
