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    Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies
    Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies
    Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies
    Ebook56 pages28 minutes

    Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies

    By Marie Presswood

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    About this ebook

    “Collection Harassment 101” is a product of Dominion Solutions, a nationwide Christian consulting firm developed and designed to provide resources and support to individuals seeking knowledge and information on how to utilize their consumer rights without the costly expense of attorney fees. By using a combination of biblical principles and consumer law, this book will definitely stimulate a desire to diligently take the action needed to protect you during difficult seasons of financial hardship. This valuable book serves as an “Eye Opener”, to the real world of debt problems and unlawful collection practices that can permanently destroy your finances and credit rating. Many financial disasters can be prevented by just utilizing your consumer rights! The information in this book will give you the survival tips you need to successfully win the battle between consumers and abusive bill collectors! Each chapter provides a wealth of simple, yet powerful, options to help you successfully achieve your goals. “Collection Harassment 101” is an easy, step-by-step guide for financial professionals, as well as, for individuals who have little or no knowledge of debt collection and consumer law.
    LanguageEnglish
    PublisherAuthorHouse
    Release dateDec 11, 2009
    ISBN9781449000905
    Collection Harassment 101: An Easy Step by Step Guide to Overcoming Abusive Bill Collectors and Collection Agencies
    Author

    Marie Presswood

    Marie Presswood is a Christian Evangelist, Motivational Speaker, and Author.  She has worked in the legal field for many years as a Paralegal Debt Collector and Legal Analyst for major law firms and financial Institutions.  It was during this time, she developed the vision of “Dominion Solutions”, a nationwide Christian consulting firm dedicated to providing help and support to individuals that suffer from difficult credit issues and financial hardships.  

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      Book preview

      Collection Harassment 101 - Marie Presswood

      AuthorHouse™

      1663 Liberty Drive

      Bloomington, IN 47403

      www.authorhouse.com

      Phone: 1-800-839-8640

      © 2009 Marie Presswood. All rights reserved.

      No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.

      First published by AuthorHouse 12/8/2009

      ISBN: 978-1-4490-0090-5 (e)

      ISBN: 978-1-4490-0097-4 (sc)

      ISBN: 9781449000905 (ebk)

      Printed in the United States of America

      Bloomington, Indiana

      CONTENTS

      DEDICATION

      ACKNOWLEDGMENTS

      INTRODUCTION

      CHAPTER 1

      KNOWING YOUR CONSUMER RIGHTS

      THE FAIR DEBT COLLECTION PRACTICES ACT

      CHAPTER 2

      PROTECTION AGAINST HARASSING PHONE CALLS AT HOME OR PLACE OF EMPLOYMENT

      SAMPLE LETTER TO REQUEST CREDITORS TO STOP CALLING YOUR HOME & PLACE OF WORK

      SAMPLE FDCPA CASE

      CHAPTER 3

      HOW TO DISPUTE A CLAIM OF DEBT

      SAMPLE LETTER FOR DISPUTING A DEBT

      * DISPUTING A DEBT BASED ON FRAUD OR IDENTITY THEFT

      SAMPLE DISPUTE LETTER BASED ON FRAUD

      CHAPTER 4

      WHAT IS A JUDGMENT?

      CHAPTER 5

      GARNISHMENTS, EXECUTIONS,

      AND ASSET\PROPERTY LIENS

      HOW YOU CAN BE PROTECTED AGAINST WAGE GARNISHMENTS AND ASSET/PROPERTY LIENS

      OTHER WAYS TO GET A GARNISHMENT RELEASED

      CHAPTER 6

      Statutes of Limitations And

      Expired Judgments

      Expired Judgments

      CHAPTER 7

      HOW TO NEGOTIATE SETTLEMENTS

      WITH CREDITORS

      BILL CONSOLIDATION SERVICES

      CHAPTER 8

      USING OTHER LEGAL OPTIONS

      FILING BANKRUPTCY

      SAMPLE DISPUTE LETTER BASED ON BANKRUPTCY

      Counterclaims

      SMALL CLAIMS COURT

      CHAPTER 9

      HOW TO BE PROTECTED AGAINST CREDIT REPORTING ERRORS

      YOU HAVE THE RIGHT TO FILE A CREDIT DISPUTE

      THE QUICK 3 STEP METHOD TO UPDATING YOUR

      CREDIT REPORT

      SAMPLE UPDATE REQUEST LETTER:

      HOW TO OBTAIN A FREE CREDIT REPORT

      SAMPLE CREDIT REQUEST LETTER

      CHAPTER 10

      The Four Basic Principals of Overcoming Collection Harassment

      DEDICATION

      This book is dedicated, first and foremost, to God and my Lord and Savior, Jesus Christ, who gave me the courage and strength to create this project. This is also dedicated to my incredible family, who encouraged me to take a stand, against all odds, and accept the challenge of providing this literature to assist individuals who suffer from financial hardships and collection harassment.

      ACKNOWLEDGMENTS

      I would like to acknowledge some of the important people in my life who supported me during the creation of this book. First, I would like to thank my two loving parents, my mother, who encouraged me to step out on faith, trust God, and never give up, and my father, who taught me the value of hard work, the balance between practicality

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