Scumbag Debt Collectors, Part 5

Debt collectors are bottom feeders.
A debt collector buys debt from the original owner of the debt for pennies on the dollar. As such, if you put up a big enough fight, they’re eventually going to leave you alone.
If you have a debt that’s under the small claims court limits, they’re even less likely to pursue [...]

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Scumbag Debt Collectors, Part 4

Pay attention to the statute of limitations.
This is really important: many times, debt collectors like to dig up zombie debt, which is really, really old debt – usually the statute of limitations on these debts has expired long, long ago.
Go here for a list of states and their respective statutes of limitations.
As I mentioned before, [...]

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Scumbag Debt Collectors, Part 3

Okay, now for some practical information on how to handle dirtbag debt collectors.
You must remain calm!
Yes, I know it seems impossible, because these people are very good at harassing debtors. If you think about it, it’s a really easy job for them.
Have you ever noticed that when you’re having a bad day, [...]

Video: How to Deal With Scumbag Debt Collectors, Part 2

Scumbag Debt Collectors, Part 2

The first thing you need to know is that there are federal and state laws that apply to debt collection. The big one is the federal Fair Debt Collections Practice Act.
You can go here to read the full text of the law on the Federal Trade Commission’s Website, but I’ve summarized the important points for [...]

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Video: How to Deal With Scumbag Debt Collectors, Part 1

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