Source: https://dianedrain.com/category/consumer-issues/page/24/
Timestamp: 2019-07-19 23:32:33
Document Index: 655672625

Matched Legal Cases: ['§ 2510', '§\u202f1030', '§ 1681', '§ 1681', '§ 1343', '§ 2510', '§ 1343']

Consumer Issues Archives | Page 24 of 26 | Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney
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◙ The Electronic Communications Privacy Act (18 U.S.C. §§ 2510-2522)
◙ The Computer Fraud and Abuse Act: 18 U.S. Code § 1030.
◙ Fair Credit Reporting Act (15 U.S.C. §§ 1681-1681(v))
◙ The Truth in Lending Act (15 U.S.C. §§ 1681a-1681v.)
◙ US Mail and Wire Fraud Statute (18 U.S.C. §§ 1343, 1345 (2001))
Subtitle A of Title V of the Gramm-Leach-Bliley Act places restrictions on financial institutions when disclosing consumer financial information to nonaffiliated third parties. The Act requires financial institutions to give notice to their customers regarding its information-collection and information-sharing processes. The Act provides when consumers may or may not opt out from sharing their financial information to the third parties.- The whole act is divided into two web pages.
The Electronic Communications Privacy Act (18 U.S.C. § § 2510-2522)
US Mail and Wire Fraud Statute (18 USC §§ 1343, 1345 (2001))
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At one time all of us have been contacted by a bill collector.
We forget to pay or fall behind on payments on credit cards, mortgages, cars, medical bills, or other situations involving bills. Then, we get a letter or telephone call. For some these calls can become a terror attack by their creditors. The creditors are calling at all hours at home and work. They are calling the neighbors, the family and employers. They are obnoxious, condescending and downright rude when you do talk to them. Despite the laws governing their actions many creditors and collection companies feel that an individual will not have the time, money or emotional strength to pursue them in court. Therefore, they get away with the outrageous and, sometimes, illegal acts.
If you have filed bankruptcy it is contempt of a federal restraining order (called the automatic stay) for the creditor or his collection company to contact you.
If your case is still open 11 U.S.C. Section 362 prohibits this contact without permission of the Bankruptcy Court. If your case is discharged then creditors and their collection companies are permanently enjoined from contacting you unless they have received special permission from the Bankruptcy Court, or your debt is one that is excepted from your discharge.
Many of these collectors admit that they do not have access to the account records and “really don’t care if the records are accurate”.
The collection letters that you receive are usually computer generated and often do not have a signature on them. The collectors often threaten to report you to the credit reporting agencies and ruin your credit or threaten to sue you for the amount they claim you owe. Most of the calls come from outside the United States. They just want their pound of flesh.
Perhaps the most annoying tactic, used by bill collectors, is constant telephone calls demanding money.
The phone calls arrive at inconvenient times and places. The collectors often call at work and embarrass you in front of your co-workers. Often the collector has an obnoxious attitude and manner, acting like you are somehow a criminal.
You have legal rights which protect you against all of the above practices.
Let’s begin by describing what you should do when you start getting bills. If you feel you do not owe the money, or the amount the bill collector is claiming is incorrect, you should write a letter to both the collection company and the original creditor stating you do not agree you owe the money, or stating the amount owed is incorrect. You should also ask for a record of your payments.
STOP ANNOYING TACTICS
If the collectors continue to call you, you can send them a letter (sample below) requesting they cease communication with you under the terms of the Fair Credit Collection Practices Act, 15 U.S.C.S. Section 1692.
When you write your letter, do not forget to date it, sign it, and keep a copy. If you really want them to pay attention, send the letter CERTIFIED. By sending the letter CERTIFIED, you have proof that you sent the letter. If you send this letter, it will not only stop letters to you, but will also stop telephone calls to you.
Collection Practices Act), forbids bill collectors from calling you at inconvenient times, such as before 8:00 a.m. or after 9:00 p.m.
T he collectors or agents cannot communicate with third parties such as your neighbor, your friend, or your great aunt Matilda. They cannot contact you at work if they know (notice must be in writing) that your employer prohibits it. They cannot threaten you with criminal prosecution or call you on the phone repeatedly with the intention of harassing you.
Debt collectors cannot use any false, deceptive, misleading, representation of any means in connection with the collection of your debt.
They cannot use or threaten violence. They cannot use obscene or profane language. They cannot claim that you will be imprisoned or your property seized, unless they are the lender on that property. They cannot pretend to be an attorney, or add fees/charges that are not authorized. Also, the collectors cannot pretend to be someone else just to get in touch with you. They cannot threaten to take any action that cannot legally be taken or that they do not intend to take; they cannot take a post dated check and then deposit it before the date on the check.
If a bill collector comes to your house, it is your choice whether to talk to him or not.
If you do not wish to speak with him, inform him that he is trespassing and call the police. If a repo agent comes to your house, your car is parked on private property (not in the street) and you do not want him to take your vehicle, you should tell him you refuse to give him permission for repossession and he must leave immediately because he is trespassing. If the repo agent or agents refuse to leave, call the police. If you live on any of the Indian Reservations, you do not have to turn your car or mobile home over to a repossession agent. On the Reservation, repossessions can only be done voluntarily (in other words, if the car owner gives the repossession agent permission to take the car, then the car is given on a voluntary repossession). If you do not give permission for the agent to take the car, the agent must go to the tribal court, sue the owner of the car for repossession, and get an order from the tribal court for repossession of the vehicle.
Document all your discussions and communications with any debt collectors.
If the collection company is taking illegal actions then get as much proof as possible – log all calls, record all discussions (if you state permits it), put them on speaker phone and have a third party witness the discussion. If they cross the line, then file a complaint with the Arizona Department of Financial Institutions and the Federal Trade Commission. Include copies of your written notes and demands. Make sure you send a copy of the complaint(s) to the offending company and the original creditor.
If the collection company continues to ignore your warnings and refuses to comply with the law then you could sue them.
But their behavior must be truly offensive, not just annoying. You could bring an action in small claims court, or hire a lawyer. But, you must have proof of their actions in order for any court to find in your favor. In order to have this proof you need to keep a diary of all calls, the time and date, what was said and whether or not you told them to stop calling.
SAMPLE LETTER TO CREDITORS or COLLECTION COMPANIES:
Fill in your name and address at the top of the letter. If the collection agency does not have your address, you may not want to give it to them. In that case, simply fill in information such as your name and account number so that the collection agency can identify who you are. If you want verification of the debt, but do not want the collection agency to have your address, you may give the address of a post office box or family member.
Send the original to the collection agency; a copy to the creditor; and a copy to (this address may be outdated so check the FTC website):
The collection agency should then stop contacting you except to provide information about their basis for claiming that you owe a debt. If they continue to contact you, file a complaint to Federal Trade Commission and Consumer Financial Protection Bureau.
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Exempt property is normally property protected from seizure by unsecured creditors Download List Of Arizona Exemptions	(4407 downloads) Transferring non-exempt into exempt assets is a practice is not necessarily illegal or improper. The Bankruptcy Code legislative notes specifically permit this type of activity. But, this is not to say that the procedure is without risk. The 2005 changes in the bankruptcy laws challenge the constitutional right of every person to receive adequate legal advice from their attorney regarding pre-bankruptcy transfers or incurring new debt.
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Go to the State Bar of Arizona. Click on “Find a Lawyer” in the upper right hand corner. Enter the attorney’s name. Click on “activity”.
Which means their placement on Google, etc, has nothing to do with their reputation, skill or experience. Instead, it relates directly to how much money they are willing to pay. The more they pay the more clients they get. The more clients they get the less time their have to take care of those clients. It is a never ending circle of what eventually becomes greed and complete lack of professionalism.
The attorney pays for placement on the site, pays for each lead and/or pays for leads based on zip codes or other criteria. Again, you have not receiving any type of reference as to the attorney’s ethics, quality of practice or professionalism.
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