Twitterまとめて投稿しちゃうよ! 2022/06/16 [その他]
yeah_monkey食後の時間調整 だけど、まだまだ時間はあるのよ。とほほほ 場所: ミスタードーナツ https://t.co/Lg4bU3D1Yg06/15 14:19
2022-06-16 00:01
nice!(3)
コメント(2)
<a href=https://купить-билет-на-поезд1.рф><img src="https://xn-----1-63deyedudcws6asgk1cfm5r.xn--p1ai/wp-content/uploads/2022/06/trainlogo_.png"></a>
билеты на поезд
Source:
- https://купить-билет-на-поезд1.рф
by Davidfal (2022-06-16 06:40)
The financial penalty levied on the company is the biggest ever obtained by the FTC against a third-party debt collector, the agency said. On its website, Expert Global Solutions says it is a holding company for a leading accounts receivable management company. Company employees would continue to call people even after being told that they had reached the wrong person, that the consumer being contacted did not owe the debt or that the debtor did not live in that home, according to a complaint filed on Monday in federal court in Texas. Colleen Tressler, a consumer education specialist with the FTC, wrote in a blog post. Expert Global Solutions did not respond to a request for comment made through its website. A spokesman for one of the subsidiaries, NCO Financial Systems, said it had made changes to address problems identified by the FTC. Tom Hoy, an NCO senior vice president, said in an emailed statement. In addition to paying $3.2 million, Expert Global must end abusive practices and suspend or end collection efforts if a debtor disputes what is owed. It can resume collection efforts after establishing that the debt is accurate, the FTC said.
However, a coded lists, for example, one showing only the driver’s license number and first three letters of each consumer’s name would not violate this provision, because such publication is permitted under the Fair Credit Reporting Act. Providing a list for use by an investigator also does not violate this provision, so long as the contact is “reasonably necessary to effectuate a post-judgment judicial remedy.” Finally, a public notice required by law (for example, as a prerequisite to enforcement of a security interest in connection with a debt) doesn’t violate this section. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. The key here is “intent,” why does the collector keep calling? If there are multiple calls in a day, or continuous, one right after the other, intent to harass and annoy may be inferred. Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller’s identity. This provision requires the collector make clear to the consumer who he is. Depending on the laws of its state, the collector may use a registered alias (i.e., where he uses the alias consistently, and his true identity can be ascertained by the employer) and an individual debt collector must disclose his name and employer’s identity when discussing the debt on the telephone with consumers.
And, they also can’t make debt harassment mystery calls-they collector has to meaningfully disclose his/her name and the name of the debt collection company (e.g., “this is Joe Collector with Smith Collections Inc.”). And harassing phone calls at work can further violate your rights. So don’t wonder how to stop collection agency harassment or whether any collection harassment laws were violated, have all your collection accounts reviewed by an experienced Fair Debt attorney. Although a lot of the FDCPA’s violations are obvious, it is actually the FDCPAs technical requirements-the things most non-lawyer consumers don’t know-that are most frequently violated, because collectors figure these technical violations are the easiest to slip by the average person. Little things like debt collection letters, bill collection voice mails, debt collector call logs, and detailed notes of conversations with debt collectors, as well as credit report entries showing collector pulls and reporting, can all form powerful evidence in the fight against debt collection. And the FDCPA not only protects you from harassment from debt collectors, but it also requires the debt collector would be penalized and have to pay the consumer a monetary award, even where you suffer no harm.
The debt collector also has to pay your attorney fees, meaning you can usually enforce your FDCPA rights at no cost to you. And even if the FDCPA doesn’t apply or wasn’t violated for one reason for another, the collector or someone else in the account chain may have violated other rights of yours, for example, the account could be improperly credit reported in violation of the FAIR CREDIT REPORTING ACT or they could be using a dialer to ring your phone in violation of the TELEPHONE CONSUMER PROTECTION ACT. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Source:
- https://nocollectioncalls.com
Tags:
creditor harassment after chapter 7
by CurtisTex (2022-06-16 11:17)