Creditwrench teaches the secrets of the collections industry and how to stop consumer abuse by debt collectors.
http://www.creditwrench.com
http://creditwrench.blogspot.com
http://put50.ezboard.com/bcreditwrench
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tried netscape and still couldn't get the blog. found the 18 questions though; I just typed in creditwrench and 18 questions, and it pulled it right up. I've gotta read what maribell's complaining about; is it on the blog?
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Alright, now I can't find the questions..
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ok, I'll give you all a break. They are at http://www.creditwrench.com/18questions.html and are also in the sidebar links on my blog which is at http://creditwrench.blogspot.com and while you are at it you might like to visit my http://ncosux.blogspot.html and my http://collectionindustry.blogspot.com I've got about a dozen blogs up altogether but most of them probably wouldn't interest you since they deal with other subjects.
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SO...in your 18 questions...you are telling them to put their home and cellphone number on the letter they send to NCO? Unless they state on that letter that they are not to contact them at those numbers, there is no law being broken. With them sending that information to them...IN WRITING ... they are giving permission to call it. Unless, like I said, they state in that letter that they aren't to call those numbers.
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[[[Unless, like I said, they state in that letter that they aren't to call those numbers.]]]You got it. The letter has both the home phone and cell phone and tells them they can't contact the debtor by phone. You would be amazed at the number of loons that read the letter and immediately call up the debtor thereby generating the grounds for a $1,000 per call violation. (LOL)
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Simply stating to them "put it in a letter and send it in the mail" is NOT a request for no calls. It is just a request to send some info in the mail. If you want NO calls at all, you have to state, "do not contact me by phone", just putting your home and cell number on a letter (a letter that isn't requesting no calls to those numbers), is not going to stop the calls at work, you have to give them the work number or at least tell them not to call at work. The way your statements are stated, you're just playing games with your wording, I can point out at least a dozen loopholes in it that wouldn't get you a penny. You're trying to play word g more >>
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If I understood correctly, I think CR encourages people to put their cell phone number and home number on the letter, so NCO will contact and abuse them. Thus, creating an opportunity for violations. Please correct me if I'm wrong CR.
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I understand that is what he is saying...but what I'm saying is that just putting the numbers on a letter isn't the same as putting them on the letter AND requesting THOSE numbers not be called.
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creditwrench...I want to learn more. Teach me, Mr. Miyagi. In lieu of paying off my debt, what can I do to improve my credit?
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[[[In lieu of paying off my debt, what can I do to improve my credit?...]]] Well, it don't work quite the way you seem to think it does. Poor credit is one of the prices that must be paid for failure to pay your debts. They usually have to be paid one way or the other. There ain't no free lunches out there if you count all the costs.
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Dear creditwrench, I was reading a recent post of yours and am curious, What is a Bankruptcy Referee? I work in the Geaorgia legal/ BR system and have never heard that term. Did you mean Trustee or is Referee a term for a private advocate?
Thanks, Asmadden
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Creditwrench holds nationwide conference calls every Friday evening beginning at 7:00 P.M. Central time.
