Archive for the ‘FDCPA’ Category

The Fair Debt Collections Practices Act (“FDCPA”) is a Law that provides American Consumer’s with an inspiring amount of Rights.  The problem is that millions of American’s are unaware of those Rights.

But today, Debt Warriors are going to share an educational video for the few and the proud who want to stop Debt Collectors.  Thanks for stopping by, please feel free to subscribe for Debt Warriors updates.


To View this video on YouTube, click here

Because many Americans lack the intelligence to enforce their Rights, thousands of Debt Collection Terrorist violate the Rights provided in the FDCPA.

There are hordes of irresponsible Debt Collectors who attack trusting Americans. Some Debt Collectors  are charming and very influential.  Other Debt Collectors can easily persuade Consumers into making an impulsive mistake that could end up costing the consumer thousands paying uneccesary unsecured Debt..

That’s why Debt Warriors have produced the ultimate “do it for yourself” Debt Elimination Video Course.  It’s called the Debt Warriors Arsenal.  In Operation One “Stop Debt Collector Harassment, Debt Warriors take Consumers step-by-step through the process of shutting down Debt Collection Terrorist before they inflict stress on the Consumer. This process is called “Debt Validation”

The Debt Warriors Arsenal comes with a generous portion of Credit and Debt intelligence.  We provide all the forms, secret key-words and software to make winning the War on Debt as easy as watching TV.

We are confident that after ordering the Debt Warriors Arsenal, you will be inspired to take every phone call from every Debt Collector – to stop them cold in their tracks!

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DEBT WARRIORS™ are not Attorneys. WE ARE experienced Credit Repair and Debt Management, Negotiation and Debt Settlement Coaches. WE teach American Debtors how to manage and settle their debt (for themselves). The information on this blog, should not be considered legal advice. Debt Warriors offer helpful Credit and Debt “Self-Help” video course, Personal Finance, and information products.

Thanks for stopping by THEWARONDEBT.NET
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Federal Trade Commission Report “Urges Debt Collection Reform”.

 On August 17, 2009, I produced and uploaded a video called ‘Debt Collector’s Dirty Tricks‘ to Debt Warriors Youtube Channel.


This video has received over 18,000 views and hundred’s of comments.

Fast forward to a 2009 Federal Trade Commission ‘FTC’ Report which cites “major problems with 3rd Party Debt Collectors”.

“The report recommends changes in the law to require that collectors have better information, making it more likely that their efforts will be for the right amount and be directed to the right consumer. It also recommends that they be required to provide consumers with better information explaining their rights under the FDCPA.”

Being in the trenches, working to help hundreds clients stop Debt Collector threats and harassment, I’ve learned a lot.  For example, when it comes to stopping 3rd Party Debt Collector harassment there is theory and real life.

There are many Websites that offer only surface Debt Elimination information.  Thousands of so called Debt Help Experts have never really helped anyone stop Debt Collector Harassment.  Instead these people go to the FTC website and cherry pick advice, change a few words and claim it as their own.

Theories Don’t Stop Debt Collector Tricks.

Other Debt Help Experts have theory but don’t know about the dirty tricks that Debt Collectors use to get around the Fair Debt Collections Practices Act (‘FDCPA’) and other Law’s enacted to help Consumers. And because other so called Debt Help Experts don’t know about these trick’s, how can they help Consumers defend against them? 

On the other hand, Debt Warriors have seen almost every Debt Collector trick under the Sun.  We accounted for them all in the Debt Warriors Arsenal Video Course.

The FTC is Just Now Starting To Catch On.

In the 2009 Report (referenced above), the FTC calls for “modernization” of the FDCPA in the following areas:

  • The FTC calls for prohibiting Debt Collectors from contacting consumers via their mobile phones, including by text messaging, without prior express consent; and

Many American Consumer’s make simple mistakes like updating or verifying their phone number with the Debt Collector. Debt Warriors cover this area in OPERATION ONE of the Debt Warriors Arsenal. We inform Consumers about how to stop Debt Collectors dirty tricks.

  • The FTC urges changes, requiring collectors who use new payment technologies to obtain express verifiable authorization from consumers before accessing their accounts.


I’ve listened in horror as client’s have called me crying because they can’t access their accounts, because some greedy  a Debt Collection Law Firm has placed a freeze on the client’s Bank Account’s.  One client came to us for help after going to put gas in her car to go to work and finding that the Debt Collector had frozen her account. 

She was embarrassed and afraid when she learned that her Bank had cooperated with a Debt Collector and blocked access to her checking account. On top of the shame she couldn’t access her accounts to buy food for her two daughters or to keep her lights on in her house. She was terrified but had come to trust Debt Warriors after reading out blogs for a few months.

Since she lived in California, I signed her up with an affordable Attorney in California and the Lawyer was able to get on the Bank to unfreeze my clients account.

Debt Collectors will stop at nothing to collect.

Most of what many 3rd Party Debt Collectors do is illegal.  Why do Debt Collectors break the Law so often? Because most American Consumer’s don’t know about their Rights. Those who go to other Debt Help websites, don’t learn about the tricks that Debt Collector’s use that violate and circumvent Consumer’s Rights.

Debt Warriors Have Been Warning Consumer of  Debt Collector Tricks For Years.

I’m proud that Debt Warriors are being proven right on so many financial issues.  I have to admit that sometimes I’ve been discouraged to continue helping people for many reasons.  But to paraphrase Winston Churchill “in the end right will win”.

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DEBT WARRIORS™ are not Attorneys. WE ARE experienced Credit Repair and Debt Management, Negotiation and Debt Settlement Coaches. WE teach American Debtors how to manage and settle their debt (for themselves). The information on this blog, should not be considered legal advice. Debt Warriors offer helpful Credit and Debt “Self-Help” video course, Personal Finance, and information products.

Thanks for stopping by THEWARONDEBT.NET
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Wanda Dunn, a Pasadena, California Resident was found dead in her burning home (pictured left). Ms. Dunn was the lone perpetrator but, Foreclosure is suspected to be her motivation for suicide. My post today is a plea, for those facing Foreclosure or struggling to deal with massive amounts of Debt.

Here are DEBT WARRIORS Top 3 reasons NOT to kill yourself over Debt Stress.

1. You CAN force your Mortgage Lender “Produce The Note”. This is a secret strategy that is helping thousands of Americans save themselves from Foreclosure. DEBT WARRIORS have shared this strategy before but, you may have missed it.

CNN’s Greg Hunter goes into more details about Producing the Note in this video.

2. You have the right to an Attorney. After working in 2 Law Firms, I’ve realized that there’s nothing that shows you mean business, like informing Creditors and/or Debt Collectors that you’ve retained an Attorney.

Did you know that Section 805c (2) of the Fair Debt Collections Practices Act [FDCPA] prevents a Debt Collector from contacting you once they are aware that you’ve retained an Attorney?

” If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer;” ~ Source: FTC.gov

3. “This too shall pass.” I remember hearing this quote from a wise old man. I was in my early 20’s, and I was struggling with what (I thought) were massive amounts of Debt. Now as an old man myself 🙂 I pass that golden wisdom onto anyone who’s going through a hard time financially.

There is a Statue of Limitations [SOL] for Debt Collection. It varies by State, and other factors that we reveal in OPERATION TWO [TIME-CHECK], located in the DEBT WARRIORS ARSENAL™. Once clock on the Statue of Limitations has expired you no longer are responsible for paying the back the debt. This does NOT mean that the Debt Collector will stop trying to collect.

It’s important that you know your many, many RIGHTS as a Debtor
. This is a corner-stone of the DEBT WARRIORS strategy. Coaching you to settle your Debt – FOR YOURSELF, by informing you of your RIGHTS and possibly saving life.

Please don’t kill yourself over debt? Why? Because as an American Debtor, you have MANY rights that are protected by the U.S. Government. In addition, there are many tactics available to you, to allow you to Settle Your Debt – for yourself.

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DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice.
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