Dave Ramsey – Credit Card/Debt Collectors are SCUM
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly Credit Card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.
IT IS NOT AGAINST THE LAW TO OWE MONEY!
Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.
KNOW YOUR RIGHTS UNDER THE FDCPA:
Collectors can NOT call you before 8 am or after 9 pm
Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay
Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)
Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)
For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)
To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…
Duration : 0:5:56
Related Articles
- Foreign Exchange: Money in International Exchange: The Convertible Currency System …
- Detoxification -Types Of Nutritional Supplements Help To Detoxify Your Body …
I’m not surprised, …
I’m not surprised, makes you wonder if the Mafia is running the credit card companies.
But has Ramsey …
But has Ramsey taken a position on what Chase Bank is doing? Chase Bank is expanding the very types of anti consumer behavior that Mr. Ramsey condemns.
Don’t ever, EVER …
Don’t ever, EVER pay a collection agency anything! If you want to pay off your debt, work out something with the original creditor. Remember, you never opened an account with the collection agency, so you don’t owe them a dime.
Here in the …
Here in the Philippines We also have this kind of collector scum. I’m also a victim of this kind of abuse.
But the good thing is: We Can fight back!! FAMILY FIRST!! before collectors!!!
It’s one thing to …
It’s one thing to get someone who legitimately didn’t pay his her bills to pay his or her bills but it’s quite another to engage in acts that are clearly illegal. Debt collectors seem to comprise a new class of criminals.
Sears CCards are …
Sears CCards are the worst. Sears is a junk store.
Sears Card is the …
Sears Card is the worst. Even paid off I still get calls & junk offers in the mail to sign up for Acountcare Plus, the insurance co. Sears has for covering their credit cards. It’s not enought that Sears’ lazy, incompetent management steals from innocent hard-working families, now they have flunkies that work somewhere in the Middle East for a dime an hour. My Sears card has been torn in shreds & burned to a black blob. I plan on mailing it back to Sears in one of their own paid envelopes.
Debt collectors …
Debt collectors don’t realize that they are now considered the worst of the worst.
I saw this when it …
I saw this when it aired. Just AWESOME.
Credit Card collectors, on the whole, are scum. I’ve recently been contacted about debts I’ve never had several times. These guys have tried to get me to pay them close to $3,000 for debt that I do not have (I’m debt free).
Rather than record the obvious fraud, they’ve contacted me at both work and home via phone and mail telling me that “even if this debt is in err, you should still feel obligated to pay”. Riiiiight.