Ring, Ring, Ring,! Sound familiar? While going through some of the toughest times in our lives financially, we are further stuck with uneducated thugs calling to take our last drop of blood. Or a caller from India who you can't understand, yet his name is Todd. In most cases, the debt they are attempting to collect on is not correct, not owed, or they "think they have the correct person on the phone".

In any event, it should be made clear "YOU HAVE RIGHTS" they don't want you to know. For an in depth look at these laws, go to www.ftc.gov, to help you understand your rights.

There is nothing funnier than a collector trying back peddle his way our of claiming he is an attorney when you tell him he has committed a crime by doing so. Or when he or she says your going to jail for not paying a bill. Listen to them crawl.

Over 85% of all American's have credit card debt, and over 50% of that is in a collection company some where in this world. Which, by the way has the highest level of outsourcing to small world countries, know to housing terrorism. Perhaps the WMD could be found on a collection floor next to this collector Todd, who by the way now has your personal information, unprotected, and available for sale to highest bidder.

I spoke to a collector today who used the name "JACK" and he worked for a collection agency in Buffalo. When I asked him where he was, he told me "INDIA". Fact is I just wanted the truth, and could not get him to tell me anything but lies. As expected, after this call I had another 13 calls today from the same thug collecting on the same client.

Debt collection abuse comes in many shapes and sizes, but all are violations and must be stopped. I do not preach that you should avoid your debt. In fact, they should be hit head on and fixed. But to rid the abuse, one should either know all their rights, or hire an expert with a great reputation.

An IAPDA Certified Debt Arbitrator will know how to best resolve your issues. Be sure to find one with a perfect BBB report.

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