About 'debt collection harassment laws'|Debt Collections Harassment

About 'debt collection harassment laws'|Debt Collections Harassment

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Ｔｈｉｓ               ａｒｔｉｃｌｅ               ｉｓ               ｆｏｒ               ａｎｙｏｎｅ               ｗｈｏ               ｉｓ               ｔｉｒｅｄ               ｏｆ               ｔｈｅ               ｈａｒａｓｓｍｅｎｔ               ｏｆ               ｐｈｏｎｅ               ｃａｌｌｓ               ａｎｄ               ｌｅｔｔｅｒｓ,               ｔｉｒｅｄ               ｏｆ               ｂｅｉｎｇ               ｔｈｒｅａｔｅｎｅｄ               ａｎｄ               ａｌｌ               ｏｆ               ｔｈｅ               ｏｔｈｅｒ               ｈａｓｓｌｅｓ               ｔｈａｔ               ｃｏｍｅ               ａｌｏｎｇ               ｗｉｔｈ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｅｓｅ               ｉｎｄｉｖｉｄｕａｌｓ. Ｉ               ｈａｖｅ               ｂｅｅｎ               ｉｎ               ｙｏｕｒ               ｓｈｏｅｓ               ａｎｄ               ｎｏｗ               ｗｏｒｋ               ｉｎ               ｔｈｅ               ｃｒｅｄｉｔ               ｉｎｄｕｓｔｒｙ               ａｎｄ               Ｉ'ｍ               ｈｅｒｅ               ｔｏ               ｈｅｌｐ               ｙｏｕ               ｏｕｔ. Ｉ'ｍ               ｇｏｉｎｇ               ｔｏ               ｔｅｌｌ               ｙｏｕ               ｔｈｅ               ｎｏ               ｎｏｎｓｅｎｓｅ,               ｒｅａｌ-ｗｏｒｌｄ               ｗａｙ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｔｈｅｓｅ               ｆｏｌｋｓ               ｔｈａｔ               Ｉ               ｗｉｌｌ               ｆｒｏｍ               ｈｅｒｅ               ｏｎ               ｏｕｔ               ｒｅｆｅｒ               ｔｏ               ａｓ               "Ｐｒｅｄａｔｏｒｓ"               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｐｒｅｙ               ｏｎ               ｐｅｏｐｌｅ               ｗｈｏ               ｄｏｎ'ｔ               ｋｎｏｗ               ｈｏｗ               ｔｏ               ｄｅｆｅｎｄ               ｔｈｅｍｓｅｌｖｅｓ. Ｌｅｔ'ｓ               ｇｅｔ               ｓｔａｒｔｅｄ. Ｉｎ               ｔｈｉｓ               ｆｉｒｓｔ               ｉｎｓｔａｌｌｍｅｎｔ,               ｗｅ'ｒｅ               ｇｏｉｎｇ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｂａｓｉｃｓ               ｏｆ               ｗｈｏ               ｙｏｕ'ｒｅ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ａｎｄ               ｓｏｍｅ               ｂａｓｉｃ               ｒｕｌｅｓ               ｔｏ               ｆｏｌｌｏｗ               ｗｈｅｎ               ｔａｌｋｉｎｇ               ｔｏ               ｔｈｅｍ.                Ｆｉｒｓｔ               ｏｆｆ,               ｄｏｎ'ｔ               ｔｈｉｎｋ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ａｎｙ               ｒｉｇｈｔｓ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｅｓｅ               ｐｒｅｄａｔｏｒｓ. Ｎｏ               ｍａｔｔｅｒ               ｗｈａｔ               ｔｈｅｙ               ｔｅｌｌ               ｙｏｕ               ｔｈｅｙ               ｈａｖｅ               ｒｕｌｅｓ               ｔｈａｔ               ｔｈｅｙ               ＨＡＶＥ               ＴＯ               ＦＯＬＬＯＷ. Ａｓ               ａ               ｍａｔｔｅｒ               ｏｆ               ｆａｃｔ,               ｔｈｅｙ'ｒｅ               ｎｏｔ               ｅｖｅｎ               ｒｕｌｅｓ,               ｔｈｅｒｅ               ａｒｅ               Ｆｅｄｅｒａｌ               Ｌａｗｓ               ｔｈａｔ               ｍｕｓｔ               ｂｅ               ｆｏｌｌｏｗｅｄ. Ｉ'ｍ               ｎｏｔ               ｇｏｉｎｇ               ｔｏ               ｂｏｒｅ               ｙｏｕ               ｗｉｔｈ               ａｌｌ               ｏｆ               ｔｈｅ               ｆｅｄｅｒａｌ               ｌａｗｓ               ａｎｄ               ｔｈｅｉｒ               ｎｕｍｂｅｒｓ               ｂｕｔ               Ｉ               ｒｅｃｏｍｍｅｎｄ               ｗｗｗ.ｃｒｅｄｉｔｉｎｆｏｃｅｎｔｅｒ.ｃｏｍ               ｔｏ               ｕｓｅ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｐｒｏｃｅｓｓ               ｗｈｅｒｅ               ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｔｈｅ               ｌｅｔｔｅｒｓ               Ｉ'ｌｌ               ｓｐｅａｋ               ｏｆ               ａｎｄ               ｔｈｅ               ｍｏｒｅ               ｔｅｃｈｎｉｃａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｔｈｅｓｅ               ｌａｗｓ. Ｎｏｗ               ｔｈａｔ               ｙｏｕ               ｒｅａｌｉｚｅ               ｙｏｕ               ｈａｖｅ               ｒｉｇｈｔｓ               ａｎｄ               ｔｈｅｙ               ｈａｖｅ               ｌａｗｓ               ｔｈａｔ               ｍｕｓｔ               ｂｅ               ｆｏｌｌｏｗｅｄ,               ｌｅｔｓ               ｔａｌｋ               ａｂｏｕｔ               ａ               ｃｏｕｐｌｅ               ｏｆ               ｔｈｅ               ｂｉｇｇｉｅｓ               ｔｏ               ｓｔａｒｔ               ｗｉｔｈ               ｂｅｃａｕｓｅ               ｔｈｅ               ｒｅｓｔ               ｗｉｌｌ               ｂｅ               ｍｅｎｔｉｏｎｅｄ               ｉｎ               ｏｔｈｅｒ               ｓｅｃｔｉｏｎｓ.                Ｆｉｒｓｔ,               ｔｈｅｙ               ｈａｖｅ               ｔｏ               ｉｄｅｎｔｉｆｙ               ｔｈｅｍｓｅｌｖｅｓ               ａｓ               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒ               ｏｒ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ. Ｔｈｅｙ'ｒｅ               ｒｅｑｕｉｒｅｄ               ｏｎ               ａｌｌ               ｐｈｏｎｅ               ｃａｌｌｓ               ｗｉｔｈ               ｙｏｕ               ａｎｄ               ｗｉｔｈ               ａｌｌ               ｌｅｔｔｅｒｓ               ｙｏｕ               ｍａｙ               ｒｅｃｅｉｖｅ               ｔｏ               ｇｉｖｅ               ｔｅｌｌ               ｙｏｕ               ｔｈｉｓ               ａｎｄ               ｔｈａｔ'ｓ               ｔｈｅ               ｓｉｍｐｌｅｓｔ               ｗａｙ               ｔｏ               ｋｎｏｗ               ｔｈａｔ               ｙｏｕ'ｒｅ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｅｓｅ               ｆｏｌｋｓ.                Ｓｅｃｏｎｄ,               ｔｈｅｙ'ｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｈａｒａｓｓ               ｙｏｕ. Ｉｆ               ｔｈｅｙ               ｃａｌｌ               ｙｏｕ               ａｔ               ｗｏｒｋ,               ｔｅｌｌ               ｔｈｅｍ               ｎｏｔ               ｔｏ               ａｎｄ               ｉｆ               ｔｈｅｙ               ｄｏ               ｉｔ               ａｇａｉｎ,               ｙｏｕ               ｃａｎ               ｓｕｅ               ｔｈｅｍ. Ｇｅｔ               ａ               ｐｈｏｎｅ               ｒｅｃｏｒｄ               ａｎｄ               ｓｕｅ               ｔｈｅｍ               ｉｎ               ｓｍａｌｌ               ｃｌａｉｍｓ               ｃｏｕｒｔ. Ｉｆ               ｔｈｅｙ               ｓｔａｒｔ               ｔａｌｋｉｎｇ               ｔｏ               ｙｏｕｒ               ｎｅｉｇｈｂｏｒｓ,               ｓｕｅ               ｔｈｅｍ               ｂｅｃａｕｓｅ               ｉｆ               ｔｈｅｙ'ｖｅ               ｔａｌｋｅｄ               ｔｏ               ｙｏｕ               ｏｎｃｅ,               ｔｈｅｎ               ｔｈｅｙ               ｋｎｏｗ               ｈｏｗ               ｔｏ               ｇｅｔ               ｉｎ               ｔｏｕｃｈ               ｗｉｔｈ               ｙｏｕ               ａｎｄ               ｔｈｅｙ'ｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｔａｌｋ               ｔｏ               ａｎｙｏｎｅ               ｅｌｓｅ               ａｂｏｕｔ               ｙｏｕｒ               ｃａｓｅ               ｏｒ               ｕｓｅ               ｆａｍｉｌｙ               ｏｒ               ｆｒｉｅｎｄｓ               ｔｏ               ｐｒｅｓｓｕｒｅ               ｙｏｕ. Ｔｈｅ               Ｃｅａｓｅ               ａｎｄ               Ｄｅｓｉｓｔ               ｌｅｔｔｅｒ               ｙｏｕ               ｍａｙ               ｈａｖｅ               ｈｅａｒｄ               ａｂｏｕｔ               ｗｉｌｌ               ｂｅ               ｃｏｖｅｒｅｄ               ｌａｔｅｒ.                Ｎｏｗ,               Ｉ               ｎｅｖｅｒ               ｓａｉｄ               ｔｈａｔ               ｔｈｉｓ               ｉｓ               ａ               ｐｉｅｃｅ               ｏｆ               ｃａｋｅ               ｂｕｔ               ｉｔ               ｉｓｎ'ｔ               ｈａｒｄ               ａｎｄ               ｉｓ               ｗｅｌｌ               ｗｏｒｔｈ               ｆｉｇｈｔｉｎｇ               ｆｏｒ               ｓｏ,               ｉｆ               ｙｏｕ'ｒｅ               ｒｅａｄｙ               ｔｏ               ｃｈａｎｇｅ               ｙｏｕｒ               ｌｉｆｅ               ｗｉｔｈ               ｔｈｅ               ａｃｔｕａｌ               ｓｔｅｐｓ               ｔｏ               ｔａｋｅ               ａｎｄ               ｏｔｈｅｒ               ｓｔｒａｔｅｇｉｅｓ...ｆｏｌｌｏｗ               ｍｅ               ｉｎ               "Ｔｈｅ               Ｆｉｒｓｔ               Ｃｏｎｔａｃｔ               ａｎｄ               Ｄｅｂｔ               Ｖａｌｉｄａｔｉｏｎ"...

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About 'debt collection harrassment'|CFPB Files Amicus Brief in Supreme Court FDCPA Case (and a word on the CFPB's amicus program)

About 'debt collection harrassment'|CFPB Files Amicus Brief in Supreme Court FDCPA Case (and a word on the CFPB's amicus program)

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