What a bill collector CAN'T do! What YOU can do...

A debt collector can NOT and should NOT:

1. Phone you an unreasonable number of times

2. Phone you at an unusual time or unusual location

3. Disclose information about you, of your debts to
third parties

4. Use profane or other abusive language when
making contact

5. Contact you after you have submitted a written
notification that you do not want to be contacted
any further

6. Falsely claim to be affiliated with any
governmental organization

7. Misrepresent the amount or legal status of any
debt

8. Threaten to take any action that cannot be
taken legally

9. Blame and/or accuse you of having committed a
crime

10. Threaten to report or communicate false credit
information

11. Use forbidden and deceptive methods to collect
debts

12. Call you before 8:00 a.m. or after 9:00 p.m.

13. Call you, but not identify who he or she is

You may be able to:

Reduce or completely zero out your interest payments

Make them stop calling you

Get money damages awarded to you

Erase the item from your credit report

May be possible to negotiate to eliminate the debt

Have your attorney fees paid by the collection agency

Collect money for you from the collection agency

Avoid or reduce late payment fees

Combine several loans into one payment plan

Get errors in your credit reports rectified

Get invalid entries on your credit report removed

Get peace of mind and stop the harassing phone calls

Get a FREE case review at: http://www.makethempayyou.org/free_case_review.html