{"id":944,"date":"2010-09-21T10:19:48","date_gmt":"2010-09-21T10:19:48","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=944"},"modified":"2018-11-28T08:45:07","modified_gmt":"2018-11-28T08:45:07","slug":"insights-into-debt-collectors","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/insights-into-debt-collectors\/","title":{"rendered":"Insights into debt collectors"},"content":{"rendered":"

\"\"<\/a>Are debt collectors as bad as you think they are?<\/p>\n

Martha C. White<\/strong><\/a> of WalletPop.com<\/strong> has a great article<\/a> about a Wall Street Journal<\/em> reporter who spent time working for a debt collection agency to see what really goes on.\u00a0 And Fred Williams<\/strong> learned that, yes, it’s pretty much that bad.\u00a0 He’s documented his experiences in his book titled “Fight Back Against Unfair Debt Collection Practices: Know Your Rights and Protect Yourself from Threats, Lies, and Intimidation<\/em><\/a><\/strong> .”<\/p>\n

Here are a few key observations from White’s interview with Williams:<\/p>\n

1.\u00a0 Most (not all, but most) debt collectors will say anything–whether true or false–to a debtor to collect a debt.<\/p>\n

2.\u00a0 The agencies protect themselves in a large part by relying on “trainees” in their call centers.\u00a0 That way if they’re accused of crossing a line, the collection agency can just claim that the caller wasn’t fully trained on all the rules governing what debt collectors can and can’t do or say.<\/p>\n

3.\u00a0 It’s helpful to actually<\/em> have a lawyer retained.\u00a0 A lot of times, people will tell a debt collector they have a lawyer.\u00a0 But experienced debt collectors will ask for the lawyer’s name.\u00a0 And if you hesitate, they know you’re not telling the truth.\u00a0 FYI, once you’ve retained a lawyer and have notified a debt collector, they must contact you through your attorney and may not contact you directly.<\/p>\n

4.\u00a0 Take good notes of your call.\u00a0 Or record it.\u00a0 Debt collectors take notes on their end.\u00a0 And if you have no notes, then they have the closest thing to an official record.<\/p>\n

5.\u00a0 Have a copy of your credit report with you.\u00a0 Williams points out that debt collectors will have a lot of information about you and know about any other debts you have.\u00a0 So it’s helpful to at least have the same information in front of you that they have in front of them.<\/p>\n

6.\u00a0 If you reach an agreement to pay back some of the debt, make sure you get a letter of discharge in writing.\u00a0 Via fax or via an emailed PDF.\u00a0 Don’t make any payment until you receive something in writing confirming that it’s settlement in full.\u00a0 They will try to get you to pay over the phone before it’s in writing.\u00a0 Resist.<\/p>\n

For more information on the topic and to read the full article, go here:\u00a0 http:\/\/www.walletpop.com\/blog\/2010\/09\/07\/secrets-of-the-debt-collection-biz-uncovered-by-a-reporter\/<\/a><\/p>\n

If you’re being harassed by debt collectors and are not sure where to turn, please contact me for a free initial consultation.\u00a0 You do have rights and you can fight back.\u00a0 You just need to know how to enforce them.<\/p>\n

Contact Bruce Weiner, Esq.<\/a><\/h2>\n

EMAIL Bruce Weiner<\/a><\/strong>
\nPhone<\/strong>
\n(718) 855-6840 (Local)
\n(866) 402-8476 (Toll Free)
\nFax<\/strong> (718) 625-1966<\/p>\n

Go to\u00a0Fair Debt Collection Practices Act<\/strong><\/a><\/em>\u00a0<\/strong>t<\/em>o learn more about Rosenberg Musso & Weiner LLP<\/strong><\/a> and\/or to set up a free consultation.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Are debt collectors as bad as you think they are? Martha C. White of WalletPop.com has a great article about a Wall Street Journal reporter who spent time working for a debt collection agency to see what really goes on.\u00a0 And Fred Williams learned that, yes, it’s pretty much that bad.\u00a0 He’s documented his experiences …<\/p>\n

Insights into debt collectors<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[31,7,27],"tags":[158,81,159],"acf":[],"yoast_head":"\nInsights into debt collectors -<\/title>\n<meta name=\"description\" content=\"Are debt collectors as bad as you think they are? Martha C. 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