About Me

Abuse is Rampant by serveral different types of organizations

While I am NOT an Attorney everything you find by me will be based on experience or fact.  If you think you have serious legal issues go seek out an attorney. 

NEVER PAY A COLLECTION COLLECTION AGENCY UNTIL YOU SEE THIS

Paying a collection agency may not be the best way to repair your credit or protect your privacy.  There are situation that you may find your self in and have to pay a collection agency to to accomplish a short term goal such as buying or refina...

How to Prevent Identity Theft - When dealing with a Collection Agency

Collection agency employees have access to all of your personal information such as social security numbers, date of birth, your credit report, families members names and all of your previous addresses.  While they do not even use their real nam...

How to Report Leading Edge Recovery Solutions for Violations of State and Federal Laws

Leading Edge Recovery Solutions is currently being sued by the Illinois Attorney General for violations of Federal and State Laws.  If they have been contacting you chances are they have committed a CRIME if you spoke with them on the phone. Illi...

How to Report Collection Agency Harassment

Collection agency harassment runs rampant.  The FTC reported that in 2005 that over 66,000 incidents of collection agency abuse were filed in their 2006 report to congress. [pdf] Collection agencies must abide by the Fair Debt Collection Practice...

Common Violations of Federal Law that a Collection Agency Will Commit Over the Phone

Being harassed by a collection agency is never fun and how you deal with that harassment may mean the difference in sanity and protection of your rights offered by laws that govern collection agencies. Many times when a collection agency contacts you...

Stop Collection Agency Phone Calls

Dealing with a Collection Agency is not a fun proposition if you are not aware of your rights.  Allowing them to intimidate you and place you on the defensive is the exact goal that they are trying to achieve when they call you.  How you de...

~~WARNING~~ NCO FINANCIAL SERVICES MAY HAVE INCORRECT INFO ON YOUR CREDIT REPORT

NCO Financial Services may owe you money even after being fined by the FTC.   The land mark fine haded out by the FTC did not  absolve them  of any liability that they may owe you.  

Collection Agency Laws - Makes them leave you alone ....

The Fair Debt Collection Act is the granddaddy of Collection Agency Laws if you use it to your advantage collection agencies will leave you alone.  Education is the key to dealing with collection agencies.  If you take the time to poke arou...

How to Make a Collection Agency Quit Calling

Making Collection Agencies hang up on you is easy.  No matter how they approach you if they are calling you it is a nuisance.  While I would never pay a collection agency and may even make them pay me for their violation of collection agenc...

How to deal with collection agencies

Dealing with a collection agency can be a nerver racking experience if you are not prpared.  You do not have to be intimidated by them.  Here you will find many useful links if you are dealing with a collection agency. Book Mark this page so...

Request Validation - Drive a Collection Agency Nuts

If a collection agency is coming after you, protecting your rights under the Fair Debt Collection Practices Act (FDCPA), may be as simple as writing a letter.  Many times debt collectors are collecting on old debts with no way to verify that the...

Midland Credit Management - An Unscrupulous Junk Debt Buyer

Midland Credit Management buys old debts in bulk and then abuses consumers through illegal tactics to get them to pay debts that they are not entitled to collect in any way but intimidation. Many times they will hire outside collection agencies such a...

Fair Debt Collection Practices Act

§ 802.  Congressional findings and declarations of purpose  [15 USC 1692] (a) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices...

How to Deal With a Collection Agency

Dealing with a collection agency is not a fun task for most.  With the intimidating phone calls and threatening letters it is enough to terrify most anyone.  That is why I am creating this guide to help people deal with collection agencies....

How to Report FBCS Collection for violations of Collection Agency Law

FBCS Collection Agency has a notorious past of violating consumers rights.  If you feel that your rights have been violated by FBCS Collection agency you must report them to the appropriate agencies.  FBCS Collections is a fictitious name t...

Junk Debt Buyers - The Modern Day Strong Arm Tactics - Don't Let Them Abuse You

The business practice of Junk Debt Buyers is to buy worthless debts and use extortion techniques to extract payment from unwary consumers.  They buy portfolios of debt for pennies on the dollar and attempt to have you pay the full amount. This is...

Exposing Federal Bond and Collection Services

Federal Bond and Collection Services has a nortorouis past in how they deal with consumers.  They have even been sued by their own State's Attorney General for violating Pennsylviana Collection Laws in the past. We will use this page to help keep...

Pay Per Play is Bound to Fail

The Pay Per Play Opportunity that is being touted by many does not stand a chance for some very obvious reasons.  The biggest one is they have not been honest in their marketing materials. Any serious webmaster is not going to invite surfers to h...

Federal Bond and Collection Services - Exposed

Federal Bond and Collection Services in Philadelphia, PA is winning awards for employing America's Dumbest Collection Agent.  After great research into this company it does appear that it would be training that the Agents at FBCS Collection Reci...

Connecticut Collection Agencies and the Laws That Govern Them

The licensing of a consumer collection agency is governed under Section 36a-800, et seq. of the Connecticut General Statutes.  Any person desiring to act within the State of Connecticut as a consumer collection agency must make a written applica...

The Dumbest Collection Agent in America Employed by:Federal Bond and Collection ---AKA FBCS Inc.

FCBS Collections has one of the dumbest collection agents ever found in communicating with other people.  After doing some research on FCBS Collection we have found that this is a reputation that they maintain and do not wish to attempt to resol...

Pay Per Play - Advocating Search Engine Spam

In the recent announcement of the Pay Per Play advertising network they are now resorting to some face saving techniques in describing the viability of their ad delivery platform. The owner of the Pay Per Play network has even gone as far to say that...

Don't Let a Tulsa Dealer Handle Special Financing for You

Don't let a Tulsa Special Finance Department Gouge you when you are buying your next car. Paying Interest Rates above the norm is what Tulsa Finance Departments will try to talk you into to rebuild your credit. Don't Fall Into this Trap

Requesting Validation From a Collection Agency

Requesting Validation from a Collection Agency puts the breaks on a Collection Agency from Harassing you.  If it is done in a proper amount of time.  They have five days to send you a letter informing you of your validation rights after fir...

How to Write a Dispute Letter to a Collection Agency

Writing a validation letter to a collection agency is very simple.  When you receive a notice of validation rights the very first thing you should do is dispute the validity of the debt. There is plenty of information online on how to write a dis...

Good Will Hunting - Personal Review

The classic story of Ambition and Contentment coming together to save young Will Hunting from a life of Complacancy and Self destruction.  This one will go down it the books with "Gone with the Wind", "Paper Moon" and "F...

Is FBCS Inc Placing You In Danger of Identity Theft?

Federal Bond and Collection Services has a history of hiring employees that misuse consumers financial information.  One of the most respected sources in dealing with collection agencies has allowed this information to be posted on his site.

-----The Dumbest Collection Attorney Ever----- Fell for the 419 Scam

As wise as an attorney should be for them to fall for a cam like this is incredible.  They must feel as stupid as the individual looks in that picture.  The picture is from www.419eater.com.  Until I can figure out the name of the coll...

NetAudioAds is it Viable?

With the relaunch of the voice2page - netaudioads affiliate program via PayPerPlay they are expressing that advertisers will receive excellent branding value. What type of value is this though? Will it offend surfers? Do people want to bombarded w...

Pay Per Play Advertising Starting the Cash Grabs | NetAudioAds | Voice2Page

PayPerPlay has started a cash grab.  Will it be the first of many?  It looks like the main purpose of the Pay Per Play - NetAudioAds is to build a list for it's founder to market other products to. The first cash grab they have started is ch...

Federal Bond and Collection Services Accuses a Consumer of Shaking them Down

In an attempt to resolve pending litigation against FBCS Collection Agency a consumer contacted them to try to resolve the matter amicably with their collection manager and was met with hatred and attempted intimidation. The collection manager even...