Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies
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About this ebook
Marie Presswood
Marie Presswood is a Christian Evangelist, Motivational Speaker, and Author. She has worked in the legal field for many years as a Paralegal Debt Collector and Legal Analyst for major law firms and financial Institutions. It was during this time, she developed the vision of “Dominion Solutions”, a nationwide Christian consulting firm dedicated to providing help and support to individuals that suffer from difficult credit issues and financial hardships.
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Collection Harassment 101 - Marie Presswood
AuthorHouse™
1663 Liberty Drive
Bloomington, IN 47403
www.authorhouse.com
Phone: 1-800-839-8640
© 2009 Marie Presswood. All rights reserved.
No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.
First published by AuthorHouse 12/8/2009
ISBN: 978-1-4490-0090-5 (e)
ISBN: 978-1-4490-0097-4 (sc)
ISBN: 9781449000905 (ebk)
Printed in the United States of America
Bloomington, Indiana
CONTENTS
DEDICATION
ACKNOWLEDGMENTS
INTRODUCTION
CHAPTER 1
KNOWING YOUR CONSUMER RIGHTS
THE FAIR DEBT COLLECTION PRACTICES ACT
CHAPTER 2
PROTECTION AGAINST HARASSING PHONE CALLS AT HOME OR PLACE OF EMPLOYMENT
SAMPLE LETTER TO REQUEST CREDITORS TO STOP CALLING YOUR HOME & PLACE OF WORK
SAMPLE FDCPA CASE
CHAPTER 3
HOW TO DISPUTE A CLAIM OF DEBT
SAMPLE LETTER FOR DISPUTING A DEBT
* DISPUTING A DEBT BASED ON FRAUD OR IDENTITY THEFT
SAMPLE DISPUTE LETTER BASED ON FRAUD
CHAPTER 4
WHAT IS A JUDGMENT?
CHAPTER 5
GARNISHMENTS, EXECUTIONS,
AND ASSET\PROPERTY LIENS
HOW YOU CAN BE PROTECTED AGAINST WAGE GARNISHMENTS AND ASSET/PROPERTY LIENS
OTHER WAYS TO GET A GARNISHMENT RELEASED
CHAPTER 6
Statutes of Limitations And
Expired Judgments
Expired Judgments
CHAPTER 7
HOW TO NEGOTIATE SETTLEMENTS
WITH CREDITORS
BILL CONSOLIDATION SERVICES
CHAPTER 8
USING OTHER LEGAL OPTIONS
FILING BANKRUPTCY
SAMPLE DISPUTE LETTER BASED ON BANKRUPTCY
Counterclaims
SMALL CLAIMS COURT
CHAPTER 9
HOW TO BE PROTECTED AGAINST CREDIT REPORTING ERRORS
YOU HAVE THE RIGHT TO FILE A CREDIT DISPUTE
THE QUICK 3 STEP METHOD TO UPDATING YOUR
CREDIT REPORT
SAMPLE UPDATE REQUEST LETTER:
HOW TO OBTAIN A FREE CREDIT REPORT
SAMPLE CREDIT REQUEST LETTER
CHAPTER 10
The Four Basic Principals of Overcoming Collection Harassment
DEDICATION
This book is dedicated, first and foremost, to God and my Lord and Savior, Jesus Christ, who gave me the courage and strength to create this project. This is also dedicated to my incredible family, who encouraged me to take a stand, against all odds, and accept the challenge of providing this literature to assist individuals who suffer from financial hardships and collection harassment.
ACKNOWLEDGMENTS
I would like to acknowledge some of the important people in my life who supported me during the creation of this book. First, I would like to thank my two loving parents, my mother, who encouraged me to step out on faith, trust God, and never give up, and my father, who taught me the value of hard work, the balance between practicality