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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" > <channel> <title>Credit Education</title> <atom:link href="http://credit.porepedia.com/feed/" rel="self" type="application/rss+xml" /> <link>http://credit.porepedia.com</link> <description>Credit Cards, Credit reports and Debt Collection basics</description> <lastBuildDate>Sat, 13 Aug 2022 18:58:09 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=5.9.9</generator><site xmlns="com-wordpress:feed-additions:1">189137438</site> <item> <title>How do I choose which credit counselor is right for me?</title> <link>http://credit.porepedia.com/ads/how-do-i-choose-which-credit-counselor-is-right-for-me/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:56:20 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=720</guid> <description><![CDATA[How do I choose which credit counselor is right for me? There are several things you should consider when trying to find a credit counseling service. The <a class="moretag" href="http://credit.porepedia.com/ads/how-do-i-choose-which-credit-counselor-is-right-for-me/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-do-i-choose-which-credit-counselor-is-right-for-me/">How do I choose which credit counselor is right for me?</a> was first posted on August 13, 2022 at 6:56 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>How do I choose which credit counselor is right for me?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="d0x0g">There are several things you should consider when trying to find a credit counseling service.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="nt1wd">A reputable credit counseling agency should be willing to send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a service doesn’t do that, consider it a red flag and go elsewhere for help.</p><p data-block-key="3uqp8">Here are some questions to ask to help you find the best credit counseling service for you:</p><p data-block-key="ulnpb"><b>What services does the organization offer?</b><br />Look for an organization that offers a range of services, including budget counseling, and savings and debt management classes.</p><p data-block-key="dnk2m"><b>Does the organization offer in-person counseling?</b><br />Consider finding an organization that does offer in-person counseling.</p><p data-block-key="9fk2z"><b>Does the organization offer free educational materials?</b><br />Avoid organizations that charge for information.</p><p data-block-key="yyt26"><b>What are the fees the organization charges?</b><br />Are there set-up or monthly fees? Get a specific price quote in writing.</p><p data-block-key="exuqg"><b>What if a consumer can’t afford to pay the organization’s fees or make contributions?</b><br />If an organization won’t help you because you can’t afford to pay, look elsewhere for help.</p><p data-block-key="dr2pa"><b>Does the organization provide a formal written agreement or contract with consumers?</b><br />Don’t sign anything without reading it first. Make sure all verbal promises are also in writing. As with any financial product or service, don’t sign anything that you don’t understand.</p><p data-block-key="am1ce"><b>Is the organization licensed?</b><br />Is the organization or counselor licensed to offer services in your state? Find out about what training or professional certifications the counselor has received.</p><p data-block-key="aek6c"><b>How are the organization’s employees paid?</b><br />Are the employees paid more if you sign up for certain services, if you pay a fee, or if you make a contribution to your organization? If the answer is yes, consider it a red flag and go elsewhere for help.</p><p data-block-key="zwqhe"><b>Avoid organizations that push a debt management plan (DMP) as your only option before they have spent a significant amount of time analyzing your financial situation.</b></p><p data-block-key="4ioer">In a debt management plan, you deposit money each month with a credit counseling organization. The organization pays your credit card bills and other debts according to a payment schedule they’ve worked out with you and your creditors.</p><p data-block-key="e6kjj"><b>Warning: The Federal Trade Commission has found that some organizations that offer debt management plans have defrauded people.</b> If you do choose a debt management plan, contact your creditors and confirm that they have accepted the proposed plan before you send any payments to the organization handling your debt management plan.</p><p data-block-key="vl84d">If you have complaints or concerns about a credit repair scam, contact the FTC at (877) FTC (382)-HELP (4357).</p></div></div></div><div class="block related-questions"></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-do-i-choose-which-credit-counselor-is-right-for-me/">How do I choose which credit counselor is right for me?</a> was first posted on August 13, 2022 at 6:56 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">720</post-id> </item> <item> <title>Can a debt collector take my Social Security or VA benefits?</title> <link>http://credit.porepedia.com/ads/can-a-debt-collector-take-my-social-security-or-va-benefits-3/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:55:28 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=718</guid> <description><![CDATA[Can a debt collector take my Social Security or VA benefits? Generally no, debt collectors can’t take your Social Security or VA benefits directly out <a class="moretag" href="http://credit.porepedia.com/ads/can-a-debt-collector-take-my-social-security-or-va-benefits-3/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/can-a-debt-collector-take-my-social-security-or-va-benefits-3/">Can a debt collector take my Social Security or VA benefits?</a> was first posted on August 13, 2022 at 6:55 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>Can a debt collector take my Social Security or VA benefits?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="a4vfd">Generally no, debt collectors can’t take your Social Security or VA benefits directly out of your bank account or prepaid card.</p></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="dott2">After a debt collector sues you for the debt and wins a judgment, it can get a court order for your bank or credit union to turn over money from your account or prepaid card. This is called a “garnishment.” A U.S. Department of Treasury rule requires banks to <b>automatically</b> protect certain federal benefits from being frozen or garnished if they are <b>direct deposited</b> into your account. There are some exceptions to this rule, which are explained below. Read about how the automatic protection works.</p><p data-block-key="gwzp8"><b>Benefits covered by this rule:</b></p><ul><li data-block-key="2n7z7">Social Security</li><li data-block-key="easmz">Supplemental Security Income</li><li data-block-key="s9ava">Veterans</li><li data-block-key="9xfm0">Federal Railroad retirement, unemployment and sickness</li><li data-block-key="p5i1u">Civil Service Retirement System</li><li data-block-key="quk0b">Federal Employee Retirement System.</li></ul><p data-block-key="qqbyp"><b>Your bank or credit union must automatically protects 2 months’ worth of benefits</b></p><p data-block-key="ygrd5">If a collector tries to garnish money in your account, your bank must look at your account history to see if you received any of the above benefits by direct deposit in the last 2 months. The bank must protect 2 months’ worth of benefits from garnishment and let you use that money. If your account has more than 2 months’ worth of benefits, your bank can garnish or freeze the extra money. However, if that extra money that is garnished is exempt from garnishment under federal or state law, you may be able to go to court to have your money released.</p><p data-block-key="g3wb3"><b>Benefits on a prepaid card</b></p><p data-block-key="kwlzr">Many people receive federal benefits such as Social Security or VA on a prepaid card. If your benefits are loaded onto a Direct Express card or to another prepaid account, they are still automatically protected from garnishment just like money in a bank account.</p><p data-block-key="r483v">To take advantage of the automatic protections for direct deposited Social Security and VA benefits, you can sign up to have these benefits direct deposited to your bank account or loaded onto a prepaid card.</p><p data-block-key="o19pb"><b>Examples of how the automatic protection works</b></p><ul><li data-block-key="itm40">If you receive $1,000 in Social Security each month, your bank will see that $2,000 in Social Security was direct deposited in the last 2 months. The bank must allow you to use up to $2,000 in the account.</li><li data-block-key="3ggp3">If you receive $1,000 in Social Security benefits by direct deposit each month, and you have $3,000 in your account, the bank can freeze $1,000 of the $3,000. The bank must give you access to the remaining $2,000 so you can continue to pay bills and withdraw cash as usual.</li></ul><p data-block-key="qxmxk"><b>Exceptions</b> to automatic protection</p><ul><li data-block-key="tc9k9">Government debts and child/spousal support. Social Security and Social Security Disability Insurance (SSDI) <b>can</b> sometimes be garnished to pay certain government debts, such as back taxes or federal student loans, and debts for child or spousal support. Some benefits, such as Supplemental Security Income (SSI), are protected from garnishment – even to pay a government debt or child or spousal support.</li><li data-block-key="bdg14">Paper checks. If you receive Social Security or VA benefits by check and then deposit the check into your bank account, the bank does not have to protect 2 months’ worth of benefits in the account automatically. This means that your entire account balance could be frozen and you’ll need to go to court to prove that it comes from protected federal benefits and should not be garnished.</li></ul><p data-block-key="oe0kd"><b>If your bank account is garnished or frozen:</b></p><ul><li data-block-key="3s1y3">If your bank garnishes or freezes any money in your account, you must be sent a notice of garnishment. This notice may explain the court procedures for claiming any exemptions from garnishment and getting your money released.</li><li data-block-key="43q9d">A judge decides whether your money should be turned over to the debt collector based on factors such as the source of your income and any federal or state exemptions.</li><li data-block-key="sclxq">It is very <b>important</b> for the judge to know that your money comes from Social Security, SSI, VA, or other federal or state benefits before the judge decides whether your money should be turned over to the debt collector. You should notify the court, the bank, and the person/business that is garnishing your account immediately in writing, and <span class="a-link_text">seek help from a lawyer</span> .</li></ul><p data-block-key="s6ix0"><b>If your account is garnished or you have questions, consider finding legal help </b><b>in your state</b><b>:</b></p><p data-block-key="xvgv3">You may qualify for free legal help.</p><ul><li data-block-key="li921">The Center for Elder Rights Advocacy can refer you to a local agency that provides free legal help to seniors who qualify. You can call the Center for Elder Rights Advocacy at: (866) 949-2372.</li><li data-block-key="nn51m">You can also find your local legal services program or attorney referral program <span class="a-link_text">here</span> .<b> </b></li></ul><p data-block-key="7cyh3">Tips:</p><ol><li data-block-key="1akm3">You can use our sample letter to tell a debt collector that your Social Security or VA benefits are protected from garnishment. Check out the sample letter <span class="a-link_text">here</span> . If you have other funds protected from garnishment under federal or state law, you can modify the sample letter to fit your situation.</li><li data-block-key="8weep">Consider talking with a lawyer in your state about other state and federal laws that may help protect your money and other assets from garnishment.Federal and state laws may protect the money you receive from other sources from garnishment. This may include money you receive from a pension or retirement plan, federal student loans, child support or spousal support payments. Other laws in your state may protect some of your money and assets, too. To learn more about how they may be protected, consider finding legal help.</li><li data-block-key="rtgv9">Know when your bank can and can’t charge you fees for garnishment. Your bank can only charge you a fee for processing the garnishment if you have more than 2 months’ worth of direct deposited Social Security or VA benefits in your account. To learn more, click here.</li></ol></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/can-a-debt-collector-take-my-social-security-or-va-benefits-3/">Can a debt collector take my Social Security or VA benefits?</a> was first posted on August 13, 2022 at 6:55 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">718</post-id> </item> <item> <title>How do I find a lawyer or attorney to represent me in a lawsuit by a creditor or debt collector?</title> <link>http://credit.porepedia.com/ads/how-do-i-find-a-lawyer-or-attorney-to-represent-me-in-a-lawsuit-by-a-creditor-or-debt-collector/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:54:51 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=716</guid> <description><![CDATA[How do I find a lawyer or attorney to represent me in a lawsuit by a creditor or debt collector? There are several ways to <a class="moretag" href="http://credit.porepedia.com/ads/how-do-i-find-a-lawyer-or-attorney-to-represent-me-in-a-lawsuit-by-a-creditor-or-debt-collector/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-do-i-find-a-lawyer-or-attorney-to-represent-me-in-a-lawsuit-by-a-creditor-or-debt-collector/">How do I find a lawyer or attorney to represent me in a lawsuit by a creditor or debt collector?</a> was first posted on August 13, 2022 at 6:54 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>How do I find a lawyer or attorney to represent me in a lawsuit by a creditor or debt collector?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="bgota">There are several ways to find an experienced attorney for debt collection issues.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="8sa6p">You can:</p><ul><li data-block-key="72opq">Contact a lawyer referral service in your area and ask for an attorney with experience in consumer law, debt collection defense, or the Fair Debt Collection Practices Act (FDCPA).</li><li data-block-key="k1ffb">You may be able to find lawyer referrals in your area by checking the <span class="a-link_text">American Bar Association website</span> or your state bar association.</li><li data-block-key="0o5aj">Low income consumers may qualify for legal aid. Find an office in your state here.</li><li data-block-key="fyl7e">Servicemembers should consult their <span class="a-link_text">local JAG office</span> .</li><li data-block-key="681x0">Ask people you know to suggest attorneys they have worked with in the past.</li><li data-block-key="2ngsz">An attorney you know or have worked with before may be able to refer you to an attorney who has experience in consumer law.</li><li data-block-key="d47b5">Depending on the amount and nature of your debt, you may wish to consult with a bankruptcy lawyer. Bankruptcy attorneys may be particularly helpful in many contexts.</li></ul><p data-block-key="swkl6">You may be able to find a link to lawyer referral services on the website of the state or local bar organization in your area.</p><p data-block-key="gj9vn">Ask questions that would help you determine whether the attorney has a good understanding of consumer law. Also make sure you understand how you will be expected to pay for the services. Questions could include:</p><ul><li data-block-key="cs4ep">How much of your work involves consumer law and representing consumers?</li><li data-block-key="horep">How many cases like mine have you handled before?</li><li data-block-key="ykahr">Do you charge an up-front fee?</li><li data-block-key="lxxtu">Will I have to pay even if I lose my case in court?</li><li data-block-key="9dl5i">If I can’t afford to hire you, can you refer me to a consumer law attorney who may not charge up-front fees?</li></ul><p data-block-key="p8dzu"><p data-block-key="sboh6"><b>Tip:</b> See if your attorney has been disciplined.</p><p data-block-key="59mov">Before hiring an attorney, it is a good idea to make sure he or she is in good standing with the state bar organization. You can also see if he or she has a disciplinary record. You can find this information by searching the attorney’s name on the state bar website where the attorney is licensed, or by calling the state bar organization. Some states may have more than one bar organization. Be sure you contact the “mandatory” bar association, and not a “voluntary” bar association.</p><p data-block-key="zixzn">Some attorneys may also offer free services, or charge a reduced fee. There may also be legal aid offices or legal clinics in your area that will offer their services for free if you meet certain criteria.</p><p data-block-key="zx7de"><p data-block-key="p99gk"><b>Tip:</b> Bring copies of your records about the debt and your records of communication with the debt collector with you when you meet with a lawyer. Never leave your originals with anyone.</p><p data-block-key="lwmj3">It will be helpful for your attorney to review copies of letters you have received from the debt collector, as well as any copies of records you have kept of phone calls, letters you wrote to the debt collector, or other communications.</p></div></div></div><div class="block related-questions"></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-do-i-find-a-lawyer-or-attorney-to-represent-me-in-a-lawsuit-by-a-creditor-or-debt-collector/">How do I find a lawyer or attorney to represent me in a lawsuit by a creditor or debt collector?</a> was first posted on August 13, 2022 at 6:54 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">716</post-id> </item> <item> <title>What is the best way to negotiate a settlement with a debt collector?</title> <link>http://credit.porepedia.com/ads/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:54:07 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=714</guid> <description><![CDATA[What is the best way to negotiate a settlement with a debt collector? Before negotiating a settlement with a debt collector, learn about the debt <a class="moretag" href="http://credit.porepedia.com/ads/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector/">What is the best way to negotiate a settlement with a debt collector?</a> was first posted on August 13, 2022 at 6:54 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>What is the best way to negotiate a settlement with a debt collector?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="wxga5">Before negotiating a settlement with a debt collector, learn about the debt and plan for making a realistic proposal.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row how_to_schema-row"><div class="schema-block schema-block__how-to"><h2 class="schema-block_title">How to negotiate a settlement with a debt collector</h2><div class="schema-block_description"><p data-block-key="7em3v">To get ready to negotiate a settlement or repayment agreement with a debt collector, consider this three-step approach:</p></div><ol><li class="schema-block_item"><h3 class="h4">Learn about the debt</h3><div><div class="row text-row"><p data-block-key="viw1s">Any debt collector who contacts you to collect a debt must give you certain information when it first contacts you, or in writing within 5 days after contacting you, including:</p><ul><li data-block-key="ajjfc">The name of the creditor</li><li data-block-key="kibxk">The amount owed</li><li data-block-key="ybbyr">That you can dispute the debt or request the name and address of the original creditor, if different from the current creditor.</li></ul><p data-block-key="p3spo">You can dispute the debt or ask for more information from the debt collector. <b>If you are unsure who you owe money to, or how much you owe, it’s usually a good idea to</b> <span class="a-link_text"><b>learn more</b></span> <b>.</b> If you dispute a debt or part of a debt with the debt collector, in writing, within 30 days of receiving the validation notice, the debt collector is not allowed to contact you again until it sends you written verification of the debt.</p><p data-block-key="dmbzg">The CFPB has prepared sample letters that you can use to respond to a debt collector who is trying to collect a debt. The letters include tips on how to use them. The sample letters may help you to get information, set limits or stop any further communication, or exercise some of your rights.</p><p data-block-key="unfh6">If you don’t recognize the name of the creditor, you can ask what the original debt was for (credit card, mortgage foreclosure deficiency, etc.) and request the name of the original creditor. After you receive the debt collector’s response, compare it to your own records.</p></div></div></li><li class="schema-block_item"><h3 class="h4">Plan for making a realistic repayment or settlement proposal</h3><div><div class="row text-row"><p data-block-key="6dtyq">If you want to make a proposal to repay this debt, here are some considerations:</p><ul><li data-block-key="yyyic">Be honest with yourself about how much you can pay each month. Review your debt priorities first, as falling behind on other bills because you are paying off this debt could cause you more problems.</li><li data-block-key="xio1n">Write down a summary of your monthly take-home pay and all your monthly expenses (including the amount you want to repay each month and other debt payments). Try to allow some income left over to cover unexpected expenses and emergencies. A credit counselor can help, and they often provide services through nonprofit organizations for free. Be wary of companies that claim they can renegotiate, settle, or change the terms of your debt.</li><li data-block-key="g6zuc">Decide on the total amount you are willing to pay to settle the entire debt. This could be a lump sum or a number of payments. Don’t pay more than you can afford.</li></ul></div><div class="row inset-row"><aside class="m-inset m-inset__bordered"><h4>Tip</h4><p data-block-key="ntpe2">Don’t make a payment on an old debt until you talk to a lawyer. Find out your state’s “statute of limitations” on the debt before making a payment.</p></aside><p data-block-key="x1rtt">The statute of limitations is the period when you can be sued. Most statutes of limitations fall in the three to six years range, although in some jurisdictions they may extend for longer. In some states, a partial payment can restart the statute of limitations on a debt. It can also restart the time period for how long the negative information continues on your credit report. If the statute of limitations is close to expiring, a debt collector may be willing to negotiate with you on more favorable terms. If the statute of limitations has passed, then your defense to the lawsuit could stop the creditor or debt collector from obtaining a judgment. You may want to find an attorney in your state to ask about the statute of limitations on your debt. Low income consumers may qualify for free legal help.</p></div></div></li><li class="schema-block_item"><h3 class="h4">Negotiate with the debt collector using your proposed repayment plan</h3><div><div class="row text-row"><ul><li data-block-key="hhudn"><b>Explain your plan.</b> When you talk to the debt collector, explain your financial situation. You may have more room to negotiate with a debt collector than you did with the original creditor. It can also help to work through a credit counselor or attorney.</li><li data-block-key="4zua0"><b>Record your agreement.</b> Sometimes, debt collectors and consumers don’t remember their conversations the same way. If you agree to a repayment or settlement plan, record the plan and the debt collector’s promises. Those promises may include stopping collection efforts and ending or forgiving the debt once you have completed these payments. Get it in writing <b>before you make a payment</b>.</li></ul><p data-block-key="sshb6"><b>Be wary of companies that charge money</b> in advance to settle your debts for you. Dealing with debt settlement companies can be risky. Some debt settlement companies promise more than they deliver. Certain creditors may also refuse to work with the debt settlement company you choose. In many cases, the debt settlement company won’t be able to settle the debt for you anyway. Learn more about debt settlement companies.</p></div></div></li></ol></div></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector/">What is the best way to negotiate a settlement with a debt collector?</a> was first posted on August 13, 2022 at 6:54 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">714</post-id> </item> <item> <title>What should I do when a debt collector contacts me?</title> <link>http://credit.porepedia.com/ads/what-should-i-do-when-a-debt-collector-contacts-me-2/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:53:31 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=712</guid> <description><![CDATA[What should I do when a debt collector contacts me? There are different ways to respond appropriately to debt collectors. Depending on your situation, we <a class="moretag" href="http://credit.porepedia.com/ads/what-should-i-do-when-a-debt-collector-contacts-me-2/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-should-i-do-when-a-debt-collector-contacts-me-2/">What should I do when a debt collector contacts me?</a> was first posted on August 13, 2022 at 6:53 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>What should I do when a debt collector contacts me?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="ph6qh">There are different ways to respond appropriately to debt collectors. Depending on your situation, we have sample letters you can use if you’re experiencing common problems.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="p59va">When contacted, find out the following:</p><ul><li data-block-key="trfdx">Identity of the debt collector, including name, address, and phone number</li><li data-block-key="e7fe8">The amount of the debt, including any fees such as interest or collection costs</li><li data-block-key="w45hx">What the debt is for and when the debt was incurred</li><li data-block-key="dx1pz">The name of the original creditor</li><li data-block-key="mi7ky">Information about whether you or someone else may owe the debt</li></ul><p data-block-key="i5z4k">When a debt collector first contacts you in writing regarding a debt, it must provide you a written notice that has certain, legally-required information. If the collection agency first contacts you by phone, insist that they contact you in writing. <b>Do not give personal or financial information to the caller until you have confirmed it is a legitimate debt collector.</b></p><p data-block-key="jc1gh">The following sample letters will help if you’re experiencing common problems that may come up with debt collectors.</p><ul><li data-block-key="ogc8q"><span class="a-link_text">I do not owe this debt</span> .</li><li data-block-key="cspbf"><span class="a-link_text">I need more information about this debt</span> .</li><li data-block-key="kyzsl"><span class="a-link_text">I want the debt collector to stop contacting me</span> .</li><li data-block-key="r9bvv"><span class="a-link_text">I want the debt collector to only contact me through my lawyer</span> .</li><li data-block-key="8t6fk"><span class="a-link_text">I want to specify how the debt collector can contact me</span> .</li></ul><p data-block-key="nblab">If you use any of these letters, it’s important to do so as soon as possible after you’re first contacted, and to keep copies of any letters you send. In certain situations, you <b>only have 30 days</b> after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need.</p><p data-block-key="fbwtl"><b>Warning: These sample letters are not legal advice.</b></p><p data-block-key="a7rjx">Tip</p><p data-block-key="2xo09">If you’re being sued or think you’ll be sued, contact a lawyer.</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-should-i-do-when-a-debt-collector-contacts-me-2/">What should I do when a debt collector contacts me?</a> was first posted on August 13, 2022 at 6:53 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">712</post-id> </item> <item> <title>How can I verify whether or not a debt collector is legitimate?</title> <link>http://credit.porepedia.com/ads/how-can-i-verify-whether-or-not-a-debt-collector-is-legitimate-3/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:52:54 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=710</guid> <description><![CDATA[How can I verify whether or not a debt collector is legitimate? Ask the caller for their name, company, street address, telephone number, and if <a class="moretag" href="http://credit.porepedia.com/ads/how-can-i-verify-whether-or-not-a-debt-collector-is-legitimate-3/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-can-i-verify-whether-or-not-a-debt-collector-is-legitimate-3/">How can I verify whether or not a debt collector is legitimate?</a> was first posted on August 13, 2022 at 6:52 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>How can I verify whether or not a debt collector is legitimate?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="xfsn7">Ask the caller for their name, company, street address, telephone number, and if your state licenses debt collectors, a professional license number. You can also refuse to discuss any debt until you get a written “validation notice.” Do not give personal or financial information to the caller until you have confirmed it is a legitimate debt collector.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="n8ga3">Here are a few warning signs that could signal a debt collection scam:</p><ul><li data-block-key="bhbyj"><b>The debt collector threatens you with criminal charges.</b> Legitimate debt collectors should not claim that they’ll have you arrested.</li><li data-block-key="wm47u"><b>The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize.</b> You have certain rights to ask a debt collector about the debt, including when you don’t believe you owe the debt. You can use <span class="a-link_text">this sample letter</span> to request more information. Ask for an explanation in writing before you pay.</li><li data-block-key="btghg"><b>The debt collector refuses to give you a mailing address or phone number.</b></li><li data-block-key="3jc50"><b>The debt collector asks you for sensitive personal financial information.</b> You should never provide anyone with your personal financial information unless you are sure they’re legitimate.</li></ul><p data-block-key="ghjah">If you think that a call may be a scam or a fake debt collector:</p><p data-block-key="7cdum"><b>Ask the caller for a name, company, street address, telephone number, and professional license number.</b> Many states require debt collectors to be licensed. Check the information the caller provides you with your <span class="a-link_text">state attorney general</span> . Your state regulator may be of assistance if your state licenses debt collectors. If the caller refuses or is unable to provide you with information about the company, or if you can’t verify the information provided, do not give information or money to the caller or company.</p><p data-block-key="3y3uz"><p data-block-key="9j3nd"><b>Tell the caller that you refuse to discuss any debt until you get a written “validation notice.” </b></p><p data-block-key="nma06">This notice must include:</p><p data-block-key="muxrs"><ul><li data-block-key="ds7yl">The amount of the debt</li><li data-block-key="eunah">The name of the creditor you owe</li><li data-block-key="faf9z">A description of certain rights under the federal Fair Debt Collection Practices Act</li></ul><p data-block-key="zcn8h">You can consider sending the collector a letter requesting the information by using one of the CFPB’s sample letters. You can also submit a complaint to the CFPB or you can contact your state <span class="a-link_text">Attorney General’s office</span> .</p><p data-block-key="1s73a"><b>Do not give the caller personal financial or other sensitive information.</b> Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:</p><p data-block-key="b5umr"><ul><li data-block-key="8v34o">Charging your existing credit cards</li><li data-block-key="igv7c">Opening new credit card or checking accounts</li><li data-block-key="zvjg2">Writing fraudulent checks</li><li data-block-key="rvpp3">Taking out loans in your name</li></ul><p data-block-key="wydcs"><b>Contact your creditor.</b> If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.<b><br /></b></p><p data-block-key="d2vfb"><b>Report the call.</b> Submit a complaint with the CFPB or get in touch with your state <span class="a-link_text">Attorney General’s office</span> with information about suspicious callers.<b><br /></b></p><p data-block-key="oshag"><b>Stop speaking with the caller.</b> If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.</p><p data-block-key="x79xc">You can use this <span class="a-link_text">sample letter</span> to write a letter demanding the debt collector stop contacting you. By law, debt collectors must stop calling you if you ask them to in writing. However, telling a debt collector to stop contacting you does not make the debt go away and it does not stop a debt collector from reporting the debt to credit reporting companies or suing you.</p><p data-block-key="a9073">If you’re having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-can-i-verify-whether-or-not-a-debt-collector-is-legitimate-3/">How can I verify whether or not a debt collector is legitimate?</a> was first posted on August 13, 2022 at 6:52 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">710</post-id> </item> <item> <title>Can a debt collector contact me through social media?</title> <link>http://credit.porepedia.com/ads/can-a-debt-collector-contact-me-through-social-media/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:50:45 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=707</guid> <description><![CDATA[Can a debt collector contact me through social media? A debt collector can contact you on social media, but they must follow certain rules and <a class="moretag" href="http://credit.porepedia.com/ads/can-a-debt-collector-contact-me-through-social-media/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/can-a-debt-collector-contact-me-through-social-media/">Can a debt collector contact me through social media?</a> was first posted on August 13, 2022 at 6:50 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>Can a debt collector contact me through social media?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="cb1y2">A debt collector can contact you on social media, but they must follow certain rules and tell you how you can opt out of social media communications.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="oucdv"><b>The message must be private.</b></p><p data-block-key="j7hd">A debt collector can only communicate with you on social media platforms about a debt if the message is private. A debt collector cannot contact you on social media about a debt if the message is viewable by the general public or viewable by your friends, contacts, or followers on the platform. This would include your publicly visible profile page or any part of the platform where other people can see the message.</p><p data-block-key="f477j"><b>The debt collector must identify themself.</b></p><p data-block-key="3ovs1">If a debt collector attempts to send you a private message requesting to add you as a friend or contact, the debt collector must identify themself as a debt collector.</p><p data-block-key="aplk8"><b>They must include a way for you to stop receiving messages from them.</b></p><p data-block-key="det52">Even when a debt collector properly identifies themself in a private social media message, they must give you a simple way to opt out of receiving further communications from them on that social media platform.</p><p data-block-key="9fjak">Learn more about what to do if a debt collector contacts you, and the rules they must follow.</p><p data-block-key="cg69p">If you’re having an issue with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/can-a-debt-collector-contact-me-through-social-media/">Can a debt collector contact me through social media?</a> was first posted on August 13, 2022 at 6:50 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">707</post-id> </item> <item> <title>How often can a debt collector call me?</title> <link>http://credit.porepedia.com/ads/how-often-can-a-debt-collector-call-me/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:50:11 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=705</guid> <description><![CDATA[How often can a debt collector call me? Laws regulating debt collectors prohibit them from placing repeated telephone calls and from engaging in repeated telephone <a class="moretag" href="http://credit.porepedia.com/ads/how-often-can-a-debt-collector-call-me/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-often-can-a-debt-collector-call-me/">How often can a debt collector call me?</a> was first posted on August 13, 2022 at 6:50 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>How often can a debt collector call me?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="0uipm">Laws regulating debt collectors prohibit them from placing repeated telephone calls and from engaging in repeated telephone conversations to harass you. The Debt Collection Rule creates rules about the frequency of these calls and conversations that may be used in determining whether the debt collector has violated the law prohibiting telephone harassment.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="riyym">The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from placing repeated or continuous telephone calls or conversations to you with the intent to harass, oppress, or abuse you. The Debt Collection Rule clarifies when a debt collector’s actions may have broken this law and creates certain “presumptions” to help determine whether a debt collector has violated this law.</p><p data-block-key="70kmd">The debt collector is <b><i>presumed</i></b> to violate the law if they place a telephone call to you about a particular debt</p><ul><li data-block-key="fnbhg">More than seven times within a seven-day period, or</li><li data-block-key="f01di">Within seven days after engaging in a telephone conversation with you about the particular debt.</li></ul><p data-block-key="3ea3j">A debt collector is <b><i>presumed</i></b> to comply with the law if the debt collector does not make calls over either of the above limits.</p><p data-block-key="5d4hd">Generally, the term “particular debt” means each of your debts in collection, so the limits apply per debt. If a debt collector is collecting on multiple debts, there may be other considerations in determining a violation. In the case of student loan debt, depending on the facts, multiple debts could be counted together as one “particular debt.” If so, the limits would apply to those debts as a group.</p><p data-block-key="ei4i9">The call frequency presumptions only apply to calls placed by the debt collector to you. The presumptions only apply to telephone calls, so they don’t apply to text messages, emails, in-person interactions, or social media. There are other protections that apply to those methods of communication.</p><p data-block-key="caklg">Factors, such as the frequency and pattern of phone calls and voicemails made, and prior communications, may be used to “rebut” or challenge a presumption that the debt collector complied with or violated the law. For example, if the debt collector placed seven calls to you about a debt within a seven-day period, but all seven calls were made on the same day, they could be violating the law. There are also rules about how a debt collector can contact you on social media.</p><p data-block-key="58ki1">For more information about repeated or continuous telephone calls or telephone conversations, review the Debt Collection Rule FAQs or see Section 7.1 in the <span class="a-link_text">Debt Collection Small Entity Compliance Guide</span> . Your state laws may provide more protection than the FDCPA or the Debt Collection Rule. Check with your <span class="a-link_text">state attorneys general office for more information.</span> You have a right to ask a debt collector to stop contacting you. If you are contacted or sued by a debt collector, you may want to contact a lawyer who represents consumers in debt collection matters.</p><p data-block-key="9mfdv">If you’re having an issue with debt collection, you can submit a complaint online or by calling (855) 411-CFPB (2372).</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/how-often-can-a-debt-collector-call-me/">How often can a debt collector call me?</a> was first posted on August 13, 2022 at 6:50 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">705</post-id> </item> <item> <title>What is a debt collection validation notice?</title> <link>http://credit.porepedia.com/ads/what-is-a-debt-collection-validation-notice/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:49:39 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=703</guid> <description><![CDATA[What is a debt collection validation notice? When a debt collector first contacts you, they are required to provide you with certain information about the <a class="moretag" href="http://credit.porepedia.com/ads/what-is-a-debt-collection-validation-notice/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-is-a-debt-collection-validation-notice/">What is a debt collection validation notice?</a> was first posted on August 13, 2022 at 6:49 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>What is a debt collection validation notice?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="zwye4">When a debt collector first contacts you, they are required to provide you with certain information about the debt they’re trying to collect.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="2798m">The CFPB’s debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after (generally within 5 days). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours. The notice generally must include:</p><ul><li data-block-key="fc47n">A statement that the communication is from a debt collector</li><li data-block-key="aelqq">The name and mailing information of the debt collector and the consumer</li><li data-block-key="85r45">The name of the creditor to whom the debt is owed<ul><li data-block-key="5v54">It is possible that more than one creditor will be listed</li></ul></li><li data-block-key="c0lf4">The account number associated with the debt (if any)</li><li data-block-key="4bler">An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the “itemization date”</li><li data-block-key="9u1be">The current amount of the debt as of when the validation information is provided</li><li data-block-key="6un01">Information about your debt collection rights, including language that:<ul><li data-block-key="aa8pn">If you <i>don’t</i> dispute the debt within 30 days the debt collector will assume the debt is valid</li><li data-block-key="25ng3">If you <i>do</i> dispute the debt <b>in writing</b> within 30 days the debt collector must stop collection until it provides you verification of the debt</li><li data-block-key="5h2cb">If you request the name and address of the original creditor (if different from the current creditor) within 30 days, the debt collector will provide you that information</li></ul></li><li data-block-key="15o1q">Information on how to dispute the debt</li><li data-block-key="apqvl">The notice must include a “tear-off” form that you can send back to the debt collector to dispute the debt or take other actions.</li></ul><p data-block-key="qpul"><p data-block-key="cfarv">You may see other information on your validation notice, but the information listed above generally <b>must</b> be included. If you think a debt collector failed to give you the validation information you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).</p><p data-block-key="ap0ts">If you send the debt collector a written dispute or a written request for information about the original creditor within 30 days, the debt collector must pause collecting the debt until it responds to your dispute or answers your request. The debt collector will identify the date when the 30-day period ends.</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-is-a-debt-collection-validation-notice/">What is a debt collection validation notice?</a> was first posted on August 13, 2022 at 6:49 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></content:encoded> <post-id xmlns="com-wordpress:feed-additions:1">703</post-id> </item> <item> <title>What information does a debt collector have to give me about the debt?</title> <link>http://credit.porepedia.com/ads/what-information-does-a-debt-collector-have-to-give-me-about-the-debt/</link> <dc:creator><![CDATA[Editor]]></dc:creator> <pubDate>Sat, 13 Aug 2022 18:48:59 +0000</pubDate> <guid isPermaLink="false">http://credit.porepedia.com/?post_type=ad_listing&p=701</guid> <description><![CDATA[What information does a debt collector have to give me about the debt? A debt collector must tell you the name of the creditor, the <a class="moretag" href="http://credit.porepedia.com/ads/what-information-does-a-debt-collector-have-to-give-me-about-the-debt/">[…]</a><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-information-does-a-debt-collector-have-to-give-me-about-the-debt/">What information does a debt collector have to give me about the debt?</a> was first posted on August 13, 2022 at 6:48 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at gnelsu@gmail.com<br />]]></description> <content:encoded><![CDATA[<div class="block block__flush-top block__sub"></p><h2>What information does a debt collector have to give me about the debt?</h2></div><div class="block block__flush-top"></p><div class="lead-paragraph"><div class="lead-paragraph"><p data-block-key="7doc1">A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt.</p></div><div class="block block__sub"><div class="block-notification"><div class="m-notification m-notification__visible"><div class="m-notification_content"><div class="h4 m-notification_message">The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.</div><ul class="m-list m-list__links"><li class="m-list_item">Learn more about the Debt Collection Rule and your debt collection rights.</li></ul></div></div></div></div><div class="block block__sub"><div class="o-summary o-summary__mobile" data-js-hook="behavior_flyout-menu state_atomic_init"><div class="o-summary_content answer-text u-max-height-transition" data-js-hook="behavior_flyout-menu_content" aria-expanded="false"><div class="row text-row"><p data-block-key="nqa5k">Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes:</p><ul><li data-block-key="4e3hq">The name of the creditor</li><li data-block-key="2ukhq">The amount owed</li><li data-block-key="09hm2">That you can dispute the debt</li><li data-block-key="ycgcb">That if you don’t dispute the debt <b>within 30 days</b> the debt collector will assume the debt is valid</li><li data-block-key="bchyi">That if you dispute the debt <b>in writing within 30 days</b> the debt collector will provide verification of the debt</li><li data-block-key="nhup3">That if you request the name and address of the original creditor <b>within 30 days</b>, if different from the current creditor, the debt collector will provide you that information.</li></ul><p data-block-key="6qa68">If the debt collector doesn’t provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact.</p><p data-block-key="3n98q"><p data-block-key="l2n0t"><b>Tip: If you believe the information provided to you by a debt collector is wrong, dispute the debt in writing within 30 days.</b></p><p data-block-key="3l252">We have prepared sample letters that you can use to respond to a debt collector who is trying to collect a debt along with tips on how to use them. The sample letters may help you:</p><ul><li data-block-key="hyy7p">To get information about the debt</li><li data-block-key="g7ixz">Inform the debt collector that you do not owe this debt</li><li data-block-key="iev26">Set limits or stop any further communication by the debt collector</li><li data-block-key="0mbtk">Request the name and address of the original creditor, if different from the current creditor.</li></ul><p data-block-key="6gfgq">If you dispute all or part of a debt in writing within 30 days of when you receive the required information from the debt collector, the debt collector <b>cannot call or contact</b> you to collect the debt or the disputed part <b>until</b> the debt collector has provided verification of the debt in writing to you. <b>Always keep a copy of your letter for your records.</b></p><p data-block-key="yx25x">When you get the requested information or the response to your dispute from the debt collector, see if you own records agree with the information the debt collector provided.</p></div></div></div></div></div></div><hr style="border-top: black solid 1px" /><a href="http://credit.porepedia.com/ads/what-information-does-a-debt-collector-have-to-give-me-about-the-debt/">What information does a debt collector have to give me about the debt?</a> was first posted on August 13, 2022 at 6:48 pm.<br />©2017 "<a href="http://credit.porepedia.com">Credit Card Education Portal </a>". 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