It can be argued that California is the home of the most classic cars based on population, the weather, and possibly the states income level The car has always been an icon for California, from the smog to the busy traffic jams during rush hour There are some simple standards that need to be met by a collector applying for classic car insurance in California…
Credit Repair Payback Credit repair, done right, will transform your credit report and lift your scores The benefits of good credit are significant You can expect to qualify for better financing options, and the quality of your life will profit accordingly…
Debt collectors prey on consumers who do not know their rights and who do not know how to handle calls from debt collectors This article gives just a few short and simple tips for handling debt collector calls, since these are becoming ever more common as the market for “junk debt” booms among unscrupulous investors DO’S The following is a short list of things you should do and must do when contacted by a debt collector: DO insist that the person calling you to give their name (their real name, since career debt collectors usually use an alias when doing debt collecting); DO find out very specifically the address from which the debt collector is calling you; DO advise the debt collector that you will be recording the current call and all future calls; DO keep a journal, or log, of the date and time of all debt collector calls along with the person to whom you spoke and the full contents of the discussion, particularly including the full contents of any threats; DO insist that the debt collector send you, in writing, a confirmation of any factual statements or representations made during the phone calls, and also record any factual statements or representations in your journal; DO get as much detail about the debt as the debt collector will give you: original creditor, principal sum of debt, interest on debt, any fees or penalties being added by the debt collector; DO tape-record the call and all future calls from the debt collector, but only after you have advised the debt collector that you will be tape-recording the calls and captured your own voice on tape stating that you would be tape-recording all calls; DO make copies of all tape-recorded calls or voicemails onto CD or similar storage medium, and keep these in a safe place, as these will be invaluable in the event of a lawsuit against the debt collector; DO write a debt validation letter after you receive the debt collector’s first correspondence, and specifically request the complete back-up documentation from the original creditor about the debt, including your original, signed contract with the original creditor and the original creditor’s payment or account history for the debt (debt collectors will usually reply with their own short-hand computer print-out about the debt, which really tells you nothing about the debt); DO include in your debt validation letter a statement that you will be tape-recording all future telephone calls from the debt collector; DO send the debt validation letter, and all correspondence to the debt collector, via certified mail, return receipt requested, and keep a file with all of the mail receipts to show that your letters were accepted and received by the debt collector; DO advise the debt collector, both in your phone calls (with your voice recorded) and in your letters that you positively do not consent to having your friends or family or employer contacted in any way; DO advise your friends and family of the debt collector’s efforts to contact you, and that you would want your family and friends to keep a record of all calls or contacts, as well as statements made, by the debt collector to them; DO discuss with your employer, only if necessary and in your best judgment, that a debt collector may contact them and you have not consented to the debt collector contacting the employer; DO dispute any false or inaccurate credit reporting about the debt with the credit bureaus…