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10 THINGS DEBT COLLECTORS DO NOT WANT YOU TO KNOW!!
Debt collection letters received after filing Bankruptcy may have violated the automatic stay or discharge injunction and you may have the right to recover money!
When leaving a message, a debt collector MUST disclose that he/she is a debt collector. If this information is not disclosed, you may have the right to recover money!
Even though debt collectors are permitted to attempt to collect a debt after its been in default for 4 years, they are NOT permitted to take legal action against you, nor are they permitted to threaten you with legal action. If they have done either of these things, you may have the right to recover money!
If the debt collector or law firm accepts a postdated check or other payment
instrument (such as a credit card number) more than 5 days in advance, you may have the right to recover money!
If the debt collector contacts you on your cell phone and causes you to to incur minutes and charges on your phone plan, you may be entitled to recover money!
If you request verification and validation of the debt and the debt collector continues to contact you before the debt has been verified, you may be entitled to recover money!
If the debt collector or law firm threatens you with repossession of your property, you may be entitled to recover money!
If the debt collector threatens to report your account to a credit bureau only to manipulate you into paying the debt, you may be entitled to recover money!
If you have received a collection letter on attorney letterhead demanding payment of the debt or threatening legal action, you may be entitled to recover money!
When everything is said in done, the biggest thing debt collectors do NOT want you to know is:
YOU may have the right to recover money from debt collectors or attorneys who have contacted you! (Why not turn around and use this money to help clear up some of that debt?)