Robert
Buffalo,#2Consumer Suggestion
Sat, August 08, 2009
you should NEVER negotiate or pay a third party debt collector. Rather, deal with the CREDITOR directly. You should learn about your rights. You should go to the FTC website, www.ftc.gov and download the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These federal statutes establish specific rights and remedies to consumers when dealing with creditors and debt collectors. You should also visit the Attorney General's (PA) website to learn if there are any additional protections for consumer debtors in Pennsylvania. Good luck.