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Will You Add? - When Debt Collectors Cross the Line - Bogus Threats & Illegal Collection Tactics
Firstly, why would you want to be responsible?1. Reputation – keep it intact. 2. Improving customer relationships (and not harming them). 3. To be a good internet citizen, and make the internet a better place.Responsible email marketing consists of the following:Subscribers – only email those people who have subscribed to receive your emails, or where you can justifiably demonstrate that their consent to receive your emails has been implied. So what is justifiable? Here are a couple of examples:A. You have a bowl in your premises asking people to drop in their business card to win a prize, and you have a notice on the bowl that email addresses will be added to your mailing list to receive information from your business.B. As part of the
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten
If there’s a product, there’s a market! As you love your product or service to deal in, there’re many people like you in the market who like and need exactly the product or service you offer. Any business can work with the same product or service you deal in, many may be doing right now, why won’t your business! You see right now thousands of people in each country round the globe are making their livings or are building a major secondary income online.Then what does this mean to you?If your business is now not working, it’s “You are not working at all or you’re working but not in the right direction.” Every product is not for everybody but is for some bodies. You couldn't reach the right people with your offer or/and your communications with your prospects couldn't show your excit
Collection professionals would probably respond that the enormous size of the industry and the sheer volume of collection activity accounts for the large number of complaints. However, only a small percentage of violations are actually reported by consumers, so the data collected by the FTC represents only a tiny fraction of the true scope of the problem. Even so, a pattern of abusive and illegal collection activity has been well-documented by the FTC, and it is getting worse instead of better.
Here are some common threats made by debt collectors:
"We're going to take your house unless you pay this bill immediately." This is a bogus threat. Unless the debt being collected is secured by the house in question (i.e., a mortgage or home equity loan), the creditor does not have the power to take your house away from you.
"If you don't pay this bill today, we're going to have a warrant issued for your arrest." Nonsense. Failure to pay a debt is a civil matter, not a criminal matter. Threatening a debtor with jail time or accusing them of committing a crime is totally against the rules.
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten
Need a VERY brief Clickbank overview? No problem.ClickBank is the Internet's leading retailer of digital products where thousands of the web's most popular products are sold every day. No matter what time of day. No matter what country. Clickbank never closes.With Clickbank, it's incredibly easy to SELL your digital products...products that can be sent over the internet and carry no inventory. By using Clickbank, you can instantly leverage over 110,000 ClickBank affiliates to find customers for your digital products and multiply your profits.Account setup is simple & fast. And currently over 10,000 publishers already trust ClickBank to sell their goods or servicesSetting up with Clickbank is 100% free, fast and you'll have instant access to over 10,000 products with c
Collection professionals would probably respond that the enormous size of the industry and the sheer volume of collection activity accounts for the large number of complaints. However, only a small percentage of violations are actually reported by consumers, so the data collected by the FTC represents only a tiny fraction of the true scope of the problem. Even so, a pattern of abusive and illegal collection activity has been well-documented by the FTC, and it is getting worse instead of better.
Here are some common threats made by debt collectors:
"We're going to take your house unless you pay this bill immediately." This is a bogus threat. Unless the debt being collected is secured by the house in question (i.e., a mortgage or home equity loan), the creditor does not have the power to take your house away from you.
"If you don't pay this bill today, we're going to have a warrant issued for your arrest." Nonsense. Failure to pay a debt is a civil matter, not a criminal matter. Threatening a debtor with jail time or accusing them of committing a crime is totally against the rules.
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten
You cannot make an important amount of money just moving fingers. You cannot built a profitable business without working many nights.You need hard work, good luck and inspiration, but the truth is you cannot achieve good results without having a plan, because the key to the success in any venture is the effective marketing. How to succeed in designing a good marketing plan ? Nothing easier, you need a pencil, a piece of paper and the desire to answer to a certain questions. Be creative and use your imagination to find new ideas regarding particular ways to market your products. 1. What is your goal? This is the most critical question, because the answer will decide the flow of your future plan. The marketing approach will be different if you want to improve
Here are some common threats made by debt collectors:
"We're going to take your house unless you pay this bill immediately." This is a bogus threat. Unless the debt being collected is secured by the house in question (i.e., a mortgage or home equity loan), the creditor does not have the power to take your house away from you.
"If you don't pay this bill today, we're going to have a warrant issued for your arrest." Nonsense. Failure to pay a debt is a civil matter, not a criminal matter. Threatening a debtor with jail time or accusing them of committing a crime is totally against the rules.
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten
Your affiliate marketing business is easy to start. Keeping it going is the hard part.How many sales pages have you read that promise the world?You purchase the latest e-book. You're raring to go. You read through your e-book (a few times just to be sure). Then you put what you've learned into practice, only to find out that everyone else is doing the same thing.It doesn't need to be this way. Stop buying e-books (especially the promise-laden kind). Stop believing the affiliate marketing gurus are going to provide you with answers to make you rich.Start treating affiliate marketing as a real business. You'll be amazed at the results.What is the one thing a bricks and mortar business does when they want to out-smart the competition?They innovate.In
"If you don't pay this bill today, we're going to have a warrant issued for your arrest." Nonsense. Failure to pay a debt is a civil matter, not a criminal matter. Threatening a debtor with jail time or accusing them of committing a crime is totally against the rules.
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten
Many people have considered putting railroad ties in their yard to help separate the grass area from the garden or to prevent erosion or aid in walk way constructions. They work good for all that indeed. However it is hard to visualize this in advance and therefore all the potential customer sees is the square ugly logs that they know to be railroad planks.Your job a sales man is to help the customer visualize these real road planks in their yard surrounding a garden or set into the grass as steps or what ever it is that they might do with them. In fact you can begin to ask the customer questions about their yard and the space and where they envision these railroad ties going and talk with them about this until you simply ask them how many of these rail road ties are you going to have to
"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.
"We're going to garnish your wages to recover this debt." A collector can only threaten action it has the legal authority to take, and the vast majority of collection agencies have zero legal authority. Your wages can only be garnished by a creditor after they have won a judgment against you in a lawsuit.
"We know where you live, so you better pay up." Yes, threats of violence still happen in this industry. Nearly 300 complaints against collectors received by the FTC last year cited the threat of violence as the cause of the complaint. This is absolutely illegal.
Aside from the usual bogus threats, collectors also use other tactics that are illegal. For example, discussing your debt with a third party is a clear violation of the FDCPA. Yet collectors routinely call neighbors, relatives, and employers to obtain information on debtors. So long as the collector does not discuss the actual matter of the debt, they still have their toes on the right side of the line. But as soon as they mention or even hint that they are calling about a debt, they have crossed the line.
Since many debtors have taken to screening their phone calls at home to cut down on the relentless barrage, debt collectors frequently call at work when they can obtain an office number. In theory, a consumer can get the collector to stop calling at the office simply by stating that they are not allowed to receive personal phone calls at work. That puts the collector on notice that such activity constitutes interference with the consumer's employment, which is not permitted. In practice, however, collectors routinely ignore this rule and continue to call at work.
There are many other techniques of harassment and intimidation that cross the line from permissible to
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