Have you received a phone call where your caller id shows a telephone number and the name of a U.S. State or other questionable name? This is a tactic being used by debt collectors to contact you about a delinquent debt. This tactic is called "spoofing", and it is not legal for debt collectors to do. Spoofing is the use of fake caller id information. From the calls I have monitored, the debt collector uses a foreign service to spoof the collection call. When you answer the call the person will ask for the debtor. When you are acknowledged as being the debtor the call is quickly forwarded to the debt collector's office. Collectors must not use illegal means to contact debtors. Third-party debt collectors are not the only ones guilty of using these tactics. Original creditors are also doing it.
Know your rights. If this ever happens to you, do not answer any of their questions. Send a Validation/Cease and Desist notice certified mail/return receipt requested to the debt collector immediately to stop the harassment. Visit http://1time1.webs.com to see a sample Validation Notice. You can also file a complaint with the Attorney Generals office of your state and the FTC. If all else fails, you can file a lawsuit against the third-party debt collector if the situation warrants. Contact a qualified attorney if needed.
In closing, never be intimidated by a debt collector. Educate and empower yourself to fight back.
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3 comments:
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First-Congratulations on being wise enough to use multiple ad sources.You are a perfect example to others.I only wish other were as wise.
May I suggest you move WidgetBucks ad higher up?
The only real problem with them is the ad will not start to load until it is visible in the window-so they need to be where they are seen without scrolling.
I have some other tips on them on my new AdBrite Review.
Personally I would use a different template-one with a sidebar as well-that is much more suited to your number of ad sources.
Good luck and Fortune to you!
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