Posts Tagged ‘credit’
Dave Ramsey – Credit Card/Debt Collectors are SCUM
May 3rd, 2010 | 
Author: 
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
Posted in credit card debt | 
Tags: Act, Advocate, america, American, assistance, bank, cards, collection, collections, collectors, Consumer, credit, Dave, debt, discover, Electric, Express, Fair, Fargo, GEMB, General, help, MBNA, money, of, Penney, Practices, Ramsey, Scum, Sears, Wachovia, Wells | 
25 Comments »
Debt Relief & Management Tips : How to Get Out of Debt
The best way to get out of debt is stop using credit cards and plan a spending budget. Eliminate debt with tips from a consumer credit counselor in this free video on personal finance management.
Expert: Maria Enomoto
Contact: www.gotdebt.org
Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.
Filmmaker: Bing Hu
Duration : 0:2:41
Posted in freedom debt management |
Tags: bankruptcy, business debt, business loans, credit, credit card, debt, finances, government aid, grants, loans, money, scholarships |
6 Comments »
Credit Card Debt, Bankruptcy,& personal finance for doomers
Subscribe, rate, and comment 
Options for people in debt
Duration : 0:19:14
Posted in credit card debt |
Tags: attorney, bankruptcy, Beark, card, credit, Crisis, debt, Depression, financial, Investments, Market, Stocks |
25 Comments »
Dateline NBC – How to Stop Credit Card Debt w/o Consolidation!
http://debtrelief911.com – Get Rid of Credit Card Debt Now! Learn How to Eliminate Your credit card debts in 90 Days Without Debt Consolidation or Bankruptcy!
Duration : 0:4:13
Posted in credit card debt |
Tags: bad, bankruptcy, card, cards, consolidation, credit, debt, debts, elimination, high, interest, loans, relief, settlement |
17 Comments »
Debt Management: Debt Settlement a SCAM?
Most debt consolidation companies do nothing better than simply ruin your fico score in order to settle your debt. If you really want to work with an agency that will help you reduce your debt, contact a company member of “CONSUMER CREDIT COUNSELING SERVICES” (CCCS)
More info at:
sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/
micasamidinero.com/2008/reparo-credito-eliminando-legalmente-cuentas-negativas/
Duration : 0:9:22
Posted in debt management |
Tags: assistance, bad, cards, casa, collection, collectors, consolidate, consolidation, consolidation-loan, counseling, credit, cures, debt, debts, dinero, elimination, estate, financial, get out of debt, help, loan, management, mi, micasa, micasamidinero, midinero, money, non-profit, pay-off-credit-cards, real, sccrealestateuncensored, settlement, uncensored |
25 Comments »
Dateline NBC – Debt Settlement vs. Debt Management
As Americans struggle to manage their finances through the economic downturn, many are turning to the debt servicing industry for assistance. Unfortunately, the public routinely confuses the types of services provided by debt settlement and debt management agencies, which differ significantly. Join Thomas Fox, Cambridge Credit Counselings Community Outreach Director, as he discusses the important differences between Debt Settlement and Debt Management.
Duration : 0:4:47
Posted in debt management |
Tags: Cambridge, corp., counseling, credit, debt, Economy, management, settlement |
No Comments »
Debt Relief & Management Tips : How to Stay Out of Debt
Staying out of debt requires living below means, planning a detailed budget and saving money. Keep debt at bay with tips from a consumer credit counselor in this free video on personal finance management.
Expert: Maria Enomoto
Contact: www.gotdebt.org
Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.
Filmmaker: Bing Hu
Duration : 0:2:24
Posted in freedom debt management |
Tags: aid, bankruptcy, business, card, credit, debt, finances, government, grants, loans, money, scholarships |
2 Comments »
Advantage Debt Management Of America Nationwide Counseling
Growing credit card balances? Increasing interest rates? Getting behind on payments? Call Advantage debt management of America. Helping families across the country, ADMA is a non-profit 501(c)(3) credit and debt counseling agency based in Cincinnati. You could lower your monthly payments, reduce what you owe, and lock in a lower interest rate. Call to find out more.
Visit us http://www.yellowpages.com/info-17366323/Advantage-Debt-Managmt-Of-America?from=youtb
Duration : 0:1:23
Posted in debt management |
Tags: agency, bankruptcy, budgeting, consolidation, counseling, counselors, credit, debt, financial, non-profit, not-for-profit, planners, planning, YellowPages |
No Comments »