My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: “You’re going to go to jail if you …
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03-Jan-2010
I love all of the reactionary comments from the right wing conservatards stating just don’t get into debt. But most debt default is caused by loss of job, illness, and divorce, not from profligate spending. But the truth ruins the chance to vent with all of the self-righteous puritan venom they can muster. Perhaps if we followed the Republican health care plan and just died quickly when we got sick, there would be no debt problems.
Dave Ramsey is a tool! Plain and Simple. If you don’t want credit card debt, then don’t use a credit card! Pay Your Bills and you won’t have these problems!
The Economy is where it is because of credit and the ability to pay it back. It has nothing to do with the so called “scum” calling, more about the “scum” who can’t pay it back.
If you let your bills go to collections, then you don’t have your priorities in order and you need a REALITY CHECK!
at least if 3rd party screws up you can sue them, 1st party, you can’t do much, again I found that out the hard way. Plain and simple, Cease and desist letter, 9/10 will see that and never call again, the dumb one is the one you sue and win. Also study the FDCPA and your state law to know your rights, don’t listen to bitter burned out tools like Dave Ramsey, be an adult and study and speak for yourself, be your own credit counsler.
He went to the try and sue them like a debt collector and was powerless. Besides I have a simiple theory, If you don’t like cops, don’t commit crime, If you don’t like debt collectors pay your bills on time. They thrive on default debt, like cops thrive on crime, so if there is no default debt, the industry would collapse, just like if there was no crime there wouldn’t be as many cops. Besides I’d rather deal with 3rd party then 1st party collections.
how it is legal is they cannot divulge any information as to why they want to get ahold of you other than they are handling personal business matter of yours. Dave ramsey may deal with scum collectors but my friend dealt with a scum credit counsling company, that is NOT regulated at all by the Feds. They promised my friend debt free in 18 months, he paid them $6000, no debt got settled, in fact they dropped him when all his credit cards started sueing him, and per contract kept his money.
also don’t be sheep, google the FDCPA and read it, don’t let someone else tell what it is. There people do that with bible everyday and that is how cults start. Also check state laws, those protect consumers further than the FDCPA, I found out when a debt collector called my neighbor to give him there number to give to me, found out contact neighbors in only illegal in Minnesota, Tennesse, and 2 other states, anywhere else is legal, I looked like an idiot on the phone with the attorney general.
Regardless of the situation, anyone who stereotypes regardless of what it is, age, race, gender, occupation, or sexual orientation is completely full of crap. Plain and simple you want the collection calls to stop? Send the collection company a Cease and Desist letter, if they call you again, sue them, you will win. Screw all these 10 steps and companies that stop calls, a piece of paper that says I intend to pay my debt, but will not work with your company, cease and desist all communication.
Heck yeah, I agree 200%, I hope one day congress or someone wkll reign in these corrupt organizations and put them on trial.
kd5icr1967 I agree with you. Ramsey is a such a freaking tool. He gives horrible advice, and it seems like he does really cater towards white trash hillbilies and perhaps certain suburbanites as well. I believe that he relies on the fact that a number of these people have a habit of shifting blame. Eg: I’m fat but it’s not my fault. Its Burger King’s fault. Its not because I have no self control, stuff my face, and lie on the couch all day. Someone else is always to blame for my own problems.
yeah I would have to agree with you here. I think certain programs work well in certain cases. The problem with bankruptcy is that people abuse it like this other guy. They figure since they are going to file bankruptcy they might as well run there debt right through the roof first. BTW its only 7 years. Not that it matters. But yeah i filed bankruptcy a few years back but had the decentcy to pay off what I could before doing so. Mine was due to huge medical bills from a surgery I had.
I dont get it, why does everyone assume all news is political?!?! UGH when Bush was in office, Democrats were all great and now your a bunch of fascists, your just repulsive and hateful and no more worse than Ivan Drago >:O
Agreed. FuxNews is nothing but a trough of religious nutcases: O’Reilly, Cavuto, Hannity, Malkin, Beck and Ramsey. . . all religious twits shilling for jesus.
@COFF317. That is what he does. Have you ever heard his show. He tells you how to step by step how to do just that. You are the tool for seaking out of line.
Ramsey sucks. He’s just another Right Wing wack Job like Limbaugh who thinks Jesus is going to save him and other people just don’t get it like he does. His advice is good for his listeners that have the average 6th grade hillbilly education. How can you tell if you are a Dave Ramsey Fan? When you mow your lawn, you find three cars.
You’re right, he is a jerk. He helps thousands of people like you and me find financial peace. Shame on him.
Credit Card companies can lie to you and they do. One told me I had told these people I would make a payment next week 4 different times in the same month. That’s a lie. I know because I never answer the phone. Then he told me I could NOT file bankruptcy and my only option was to set up some kind of payment to them today. I’m surprised he didn’t tell me I would have to sell my blood or rob a bank so I could pay them.
So are you.
rofl. . . and whatever decency you had or respect you had is now gone. You get them! Have fun with a bankruptcy on your record for 10 years. You sure outsmarted them! So you borrow THEIR money, with no intention of paying it back, and are proud of it? You have just proven every single point I have made on this thread, I really appreciate it.
oh yeah, you can still close the card btw. That legislation isn’t law until next year, and is optional until then.
thats y i did bankrupsy collections cant bug me or the cc company cant bug me haha
oh and btw u cant close a card with a balance new rule
plus i maxed the bitchs out 25 hundred bucks left on my credit and i maxed that filed HAHA
my way to screw them
Actaully, until new legislation comes into effect they CAN change the contract if they want to. If you don’t like it then you CAN close the card. Quit trying to blame other people/companies for your own self made problems.
another simple concept is that credit card companies cannot change the rules when they feel like it stick to the original contract, they dont
Good for you. . . want a hero cookie?
Never said that, and not all collectors do that.
“But enough do it to group them all together!” -if you believe that statement then you are what we call the ‘deaf that follow the blind’.
Then don’t borrow their money and you wont have to deal with them. It is a REALLY simple concept
so its ok to break the law to collect a debt?