About Credit / Debt Management: Debt Collector Fined $1 Million in Case Involving Texting

Here are some advice on how you can stop debt collector from harassing you.  Some debt collectors are obnoxious, disrespectful, if not outright mean.  Recently, a debt collection agency was fined for text messages used in debt collection.  Debtors must know their rights

Lending institutions must know their limits.

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Credit / Debt Management Credit / Debt Management Repair Credit Pay Off Debt Learn Credit From LaToya Irby, your Guide to Credit / Debt Management Before the Federal Trade Commission closed its doors as part of the government shutdown, the agency fined two collection agencies $1 million over text messages and a few other law violations. Debt Collector Fined $1 Million in Case Involving Texting With the widespread use of cell phones and text messaging, it was only a matter of time before debt collectors started attempting collections via text messages. Read more Can Debt Collectors Send Text Messages Even though part of the charges were related to text messages, it wasn't about the text messages themselves. The legality of debt collector text messaging is kind of up on the air. Search Related Topics:  debt collection rights  stopping collection calls  dealing with debt collectors Stop Debt Collector Calls Instead of worrying whether debt collectors can or can't call, text, email, fax or whatever you can just write to them to stop calling you. That's if you want them to stop. Search Related Topics:  fdcpa  stopping collection calls  cease and desist letters Know Your Rights With Debt Collectors If you're ever contacted by a debt collector, knowing your rights will keep you from saying or agreeing to something that could come back to haunt you, e.g. a payment arrangement that you can't afford. Search Related Topics:  dealing with debt collectors  stopping collection calls  debt collection laws Related Searches Bad Credit Card Credit Debt Help Fix Credit Report Credit Repair Debt Collector Featured Articles How the U.S. Debt Ceiling Affects Your Finances Help Your Spouse Improve Their Credit 15 Alternatives to Payday Loans How to Respond to Credit Card Billing Errors Debt Statute of Limitations By State Chase to Refund $309 Million to Cardholders More from About.com Run Your First 5K Even couch potatoes can be ready for a 5K with just a couple months of training. Read more...> Help! I'm Too Busy Time and stress management tips to help you feel as though you have more time. Read more...> This newsletter is written by: LaToya Irby Credit / Debt Management Guide Email Me | My Blog | My Forum Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Credit / Debt Management newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2013 About.com Must Reads /1">10 Things To Improve Credit /2">15 Credit Score Killers /3">Rebuild Bad Credit /4">Stop Collector Calls /5">7 Steps to Pay Off Debt Follow me on: Advertisement

About Credit / Debt Management: How to Deal With Debt Collectors

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Credit / Debt Management Credit / Debt Management Repair Credit Pay Off Debt Learn Credit From LaToya Irby, your Guide to Credit / Debt Management If you let a bill get severely past due, you may find yourself dealing with a debt collector. You can sometimes be contacted about debts you weren't even aware of - some may not even be yours. 8 Questions to Ask a Before Paying a Collection Debt collectors have a bad reputation for harassing consumers and using abusive language to collect debts. Don't let them bully you into paying something you don't legitimately owe. Search Related Topics:  debt collection calls  debt validation  dealing with collectors What to Do When a Collector Calls Thanks to caller ID, you don't have to be that caught off guard by collectors calls - they typically call from an 800 number. Knowing what to do can keep you from agreeing to a payment you can't afford or from paying a collection you're not legally obligated to pay. Search Related Topics:  debt collection laws  cease and desist letters  dealing with collectors Keep Track of Debt Collector Communication If you decide to sue a debt collector who's violated your rights, having notes about your calls and communications will help support your claims of harassment and other violations. Search Related Topics:  dealing with collectors  debt collection laws  paying old debts Your Rights With Debt Collectors The Fair Debt Collection Practices Act clearly spells out which things debt collectors can and cannot do when they're collecting a debt from you. Some collectors get away with abusive habits because consumers are unaware of their rights. Search Related Topics:  dealing with debt collectors  stopping collection calls  debt collection laws Related Searches Repair Credit Free Credit Cards With Bad Credit Fix Credit Report Debt Collectors Featured Articles Prevent Credit Card Fraud on Social Networks Build a Good Credit Score in College When to Check Your Credit Report How to Repair Your Credit How to Prepare for a Credit Card Steps to Get Your First Credit Card More from About.com Run Your First 5K Even couch potatoes can be ready for a 5K with just a couple months of training. Read more...> Help! I'm Too Busy Time and stress management tips to help you feel as though you have more time. Read more...> This newsletter is written by: LaToya Irby Credit / Debt Management Guide Email Me | My Blog | My Forum Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Credit / Debt Management newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2013 About.com Must Reads 10 Things To Improve Credit 15 Credit Score Killers Rebuild Bad Credit Stop Collector Calls 7 Steps to Pay Off Debt Follow me on: Advertisement

About Credit / Debt Management: What's NOT In Your Credit Score

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Credit / Debt Management Credit / Debt Management Repair Credit Pay Off Debt Learn Credit From LaToya Irby, your Guide to Credit / Debt Management There are a lot of misconceptions about what does and does not affect credit scores. For example, a recent survey revealed that many people incorrectly believe age and marital status affect credit scores. What's Not in Your Credit Score You might be relieved to know that many financial factors have no bearing on your credit score. Your income, for example, doesn't directly affect your credit score. Search Related Topics:  ordering a credit score  what's in a credit score  Why Might Your Credit Score Drop? Credit scores can fluctuate from week to week, even day to day. Small changes may not be much to worry about. A sudden drop in your credit score, however, may be a cause for concern, especially if you've been paying on time and haven't run up any big balances. Search Related Topics:  free credit scores  what affects your credit score  Will Closing a Credit Card Help or Hurt? People often think they can improve their credit scores by closing off a few credit cards, e.g. those with big balances or that aren't being used. If only it were that simple. Search Related Topics:  closing credit cards  what affects your credit score  Related Searches Bad Debt Credit Card How to Credit Score Fix Bad Credit Score Rebuild Credit Credit Repair Featured Articles 7 Steps to Getting out of Debt How Credit Card Transactions Work Who Calculates Credit Scores? 5 Ways Bad Credit Can Be Good How Promotional Rates Work The Statute of Limitations on Debt More from About.com Run Your First 5K Even couch potatoes can be ready for a 5K with just a couple months of training. Read more...> Help! I'm Too Busy Time and stress management tips to help you feel as though you have more time. Read more...> This newsletter is written by: LaToya Irby Credit / Debt Management Guide Email Me | My Blog | My Forum Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Credit / Debt Management newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 1500 Broadway, 6th Floor New York, NY, 10036 © 2013 About.com Must Reads 10 Things To Improve Credit 15 Credit Score Killers Rebuild Bad Credit Stop Collector Calls 7 Steps to Pay Off Debt Follow me on: Advertisement