My hero, Dave Ramsey, tells of abusive practices and the violation of Federal regulation included by credit card debt collectors – particularly credit card credit card debt collectors. Most men and women do not know that they have rights guaranteed to them by the Honest Personal debt Collection Practices Act (FDCPA) and financial debt collectors knowingly and habitually break these laws in buy to frighten them into paying out. IT IS NOT From THE Legislation TO OWE Money! Do not let by yourself to be lied to (example: “You happen to be going to go to jail if you don’t pay out this” is one particular of their favorites!) or dealt with without having the dignity you have earned. KNOW YOUR RIGHTS Underneath THE FDCPA: Collectors can NOT call you before eight am or after nine pm Collectors can NOT threaten to have you arrested or billed with a crime if you dont pay out Collectors can NOT keep on to call right after you have indicated you want them to quit (report your conversation with them, notify them you ARE recording it, write the date and time down in a journal, and adhere to up with a licensed letter stating they may no lengthier get in touch with.) Collectors can NOT phone friends, family members members or colleagues repeatedly in purchase to get you to pay out (they may possibly phone your acquaintances As soon as in order to monitor you down and may possibly NOT point out that you owe funds or give ANY information that would lead someone to imagine that they are trying to collect a personal debt.) For a lot more details on your rights below the FDCPA, make sure you pay a visit to my internet site at www.myarrp.com (click on the “Support With Credit” website link at the leading.) To the scum …
collection professionals? What horseshit! What college degree do these people have? Debt collection companies, parking authorities, private clamping companies and bailiffs are just extortionists and racketeers living under a false legal name.
@scrappymetal1
You are a racist idiot and a loser. And don’t act like you’re not being called because you didn’t pay the bill on your trailer. Piece of trash.
Bueller…Bueller
i dont think any person using credit cards to buy their pizza, gum, buying clothes, living like kings..as they max their cards…ever had the credit card companies TWISTING THEIR ARMS to abuse the cards..DID THEY?…put the blame on whom it should be….the CONSUMERS!..
tell em dave tell em..call em out and speak your piece
I had one call me about a truck I hadn’t had for 2 1/2 years. Had to do a shortsale because I lost my job and couldnt afford it. They wanted 5600 for a shortsale I owed 3071 for. They wanted 5600, I said I could give them 3250 cash money right now. It took them a few hours, but they accepted and Im glad its off my back and I have a job now.
Fuck all debt collectors. They should be beaten within an inch of their lives at every opportunity.
everytime I get harrassed by collections it’s always a nigger, I think they hire ghetto monkeys so they will intimidate over the phone like they do in everyday life p.s they call about persons that have never been at this address or phone #
@tgerambio It sounds like you’ve never read his books. He is definitely not telling people what they want to hear. He’s telling them what’s necessary for them to take the action to get out of their debt.
Thats like calling all cops bad cause some engage in over the top tactics.
Dave Ramsey told people to not buy gold in 2008.
OOOPS!
When the third party debt collector calls via the phone simply say no to every single question. Try it.
pay ya bills then!
Mr. Ramsey is telling you all what you want to hear. He is making money selling you a dream. He is referring to a group of bad apples in much larger group. When you listen to Mr Ramsey, you are giving him your time. He then sells some of your time to advertisers. Its not worth much, but when a million people tune in to him, he gets rich. Wake up guys, you’re being stroked. He is making money pointing out the bad guy. Hitler did the same thing.
@yahoopl3 are you kidding me? are you aware that sometimes debt collectors call people who do not even owe a debt and harrass them because a family member who died was in debt? They try to trick people into paying debts they don’t owe, or abuse them hoping they will cave. Also at times someone might not have the money but the collecter won’t care and will try to get the person fired. It is illegal. Just because you do not agree with a law does not mean its OK for someone to break it.
This guy seems to be a douchebag and has a very narrow perspective on things. He keeps spouting off about laws, but maybe those laws shouldn’t exist. If you don’t pay your bills, maybe you deserve to be arrassed by collection agencies. I’m constantly being harrassed by agencies to collect debts I never answer my cell phone unless it’s a number I recognize and ignore all their mailings.However, I don’t get mad at them.If you don’t pay your bills, then accept the harrassment & stop whining.
Like I’ve said. To those who disagree with me. I don’t give a fuck. Maybe if banks, which they never will, would pratice ethical business to the world public at all times, people like myself would be honored to pay them back. But nooooooooo. The banks want to greedy avarice assholes.
must write a letter to the debt collector who is harrassing you and put in their they are not to call your current number, any future number, conact you via email, not to call current and future employers, relatives, future dreams, in this life time or the next. End the end, state these request are to be adhered for the next 99 years from the above date of this written letter,
For those who owes debt to banks. Fuck the. Don’t pay them shit. People have the nerve to say that’s unfair not to pay back debts. Are you fuckin serious? As much as the banks and the Federal Reserve, since 1913 have fucked us. Now you fuck them. Educate yourselves on how to beat the system. Read about statute of Limitations Laws. Collectors have a certain, per FEDERAL LAW to sue to collect debts. When that times passes, they cannot re-report it to credit agencies or garnish wages. You……….
@debtpuncher You have no pride, you have no honor, you have no credit score. You reap what you sow. As your parents did before you, and your children will after you. Cowardice and excuse making run in the genes.
@JChurch84 3. dont owe a debt because its medical 4. dont owe a debt because its past SOL . 5 dont owe a debt because of felony conversion of a motor vehicle 6. dont owe a debt because the bank fabricated amounts as a “debt” you so that leaves about 9% of your portfolios that acually have a legitament debt to collect on. If I knew you were and what company you represent id have you jailed for being an accessory to a felony crime.
excuse me I pay all my bills thank ya very much .You just troll on here blanket statementing your collection industry defenses because you work for them. I have lots of money and loving life right now so the jokes on you. But heres a thought, get out of the industry and acually contribute to our economy instead of extorting money from individuals who 1. dont owe a debt cuz you call the wrong people all the time 2. dont owe a debt becausue you purchased fraudulent portfolios ….cont..