Stop Collection Calls at Work http://BusinessCreditAmerica.com

As a veteran bill collector with over 10 years of collection experience, I’ve learned a lot about the FDCPA and FCRA laws.  Because I know the laws and many consumers don’t I’m at liberty to violate your rights.  That’s, how most bill collectors think, but I’m going to give you some at vice that you can use to fight back.

I understand it’s embarrassing when a bill collector contacts you at your place of employment or even worst your neighbor and tell them that you have not paid your bills.  We all have had a financial challenge at some point that we just was not able to do anything about.  This does not make us a bad person because we’re not able to pay our bills.  There could been some very valid reason for not being able to pay the bills such as loss of job, illness, loss of support from a spouse, or legal issues.

There are so many valid reasons but unfortunately bill collectors are trained not to listen or feel any sympathy for debtors.  The truth be told, many bill collectors have bad credit and are hiding from other bill collectors.  You talk about a pathetic group of people that want to point out your misfortune.  They, themselves should be embarrassed to call and bereave anyone.

Also I must mention one of our partnering companies purchases credit dept portfolio, so what I’m going to share with you has a lot of validation.

Let’s look at how to properly handle a bill collector.  You’ll need a pen, paper, and a recorder(use the one on your smart phone).  You’re to follow these steps.
First time a bill collector contact you, you’re want to state to them following information.

• You going to be recording the call to it’s entirety.  You’ll have the conversation transcribe and you’ll be using it for your court records.  If, they agree then you’ll ask them the following questions
• You need to know what company they represent, the name and direct phone number for the CEO, CFO, and MANGER of the company.
• You want the state the company is registered in as well a s the collection license number they have to collect in your state.
• You need a physical address for the company
• You want their name, their employee number
• You want them to provide you with the original creditors info
• you need them to tell you the original amount you owed and the first delinquency date

I know this seem like a lot of info but you need this info for court record purposes.  Doing these necessary steps will not only protect you but also may get them to stop reporting this negative item to your credit.
If, you decide you don’t want to deal with the bill collectors period check out http://GoodCreditUnion.com