Fair Debt Collection.com

If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:

Clicking here for a FREE* Fair Debt Case Review;

Calling toll free 888-FDCPA-LAW (888-332-7252);

Clicking here to locate a FREE* Fair Debt Lawyer.

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

Using this free phone call log to record all calls to and from creditors, collectors, or any other companies you do business with.

When making phone calls concening debt and credit issues, it's a good idea to have an idea of what you plan to say and, if applicable a payment plan in mind. After making or receiving a call, log it and as many details of the call as possible. Use the free sample phone log below or develop your own to keep track of who you spoke with and when.

Feel free to copy and paste the text into a word processor.

Name of Company: Telephone Number: Company Fax Number:	Company Address:
Type of Account:	Account Number:
Payment Due Date:	Regular Payment Amount:
Amount Past Due:	Reduced Payment Amount:
Record Calls Here: Date:________________ Time: _________ Person I Spoke With:_____________________________________ Main Points of Conversation: __________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ Follow Up Date: ________________

Always follow up your phone call with a letter confirming the terms of any agreement between you and your creditor.

Dealing with creditors

Creditor Debt Collection
Creditors often circumvent the FDCPA by establishing their own in-house collections department. People working in these internal collection departments are considered employees of the creditor and, because they are collecting on behalf of the creditor, are exempt from the FDCPA. Many creditors use this loophole and allow (even encourage) their employees to use collection tactics that are otherwise prohibited by the FDCPA.

These internal collectors call you at all hours of the day and night, call your neighbors and even your boss! These employees literally do anything to collect the debt. Some creditors even offer huge bonuses and incentives to the employee who collects the most on a monthly basis. Creditors collecting their own debts are not considered "debt collectors" and are therefore, exempt from the Fair Debt Collection Practices Act (FDCPA).

Your only hope for protection is that your state has a state "creditor collection law!" Not all states have creditor collection laws and many only offer weak and ineffective protection. There are a few states that have very specific laws, but most simply adopted the FDCPA as their state collection statute.

The good news is that just because creditors are exempt from the FDCPA that does mean they can get away with harassing you. They must still obey several other consumer protection laws such as the Uniform Commercial Code, other federal credit laws and state banking regulations. Use these free instructions for dealing with creditors

If you've fallen behind on your bills, especially credit cards, don't panic. You may have several good options available to you. Your success starts by assessing your current situation and finding a trusted service provider that is licensed in your state.

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