Steve
Bradenton,#2Consumer Suggestion
Thu, July 13, 2006
Denita, Rule# 1! NEVER speak to any collector on the phone! NEVER agree to a debt until you know it is legally collectable. How old was the debt? It may be past statute of limitations for collections. Then, make them validate it! DEMAND to see proof they actually own it or have a right to collect it. Demand to see licensing info on them to do debt collections in YOUR state. DEMAND to see whatever you signed to create the debt as well as an account history. These are your rigts under FEDERAL LAW. Go to ftc.gov and read and print out the FDCPA. Debt collectors are absolutely powerless impotent punks. They cannot do anything to you. Knowledge is power.