About 'usa federal debt'|fed+state debt in USA now 19.5T WOAAA

About 'usa federal debt'|fed+state debt in USA now 19.5T WOAAA

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Ｇｏｎｅ               ａｒｅ               ｔｈｅ               ｄａｙｓ               ｗｈｅｎ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｏｎｌｙ               ｃａｌｌｅｄ               ｔｈｅ               ｄｅａｄｂｅａｔｓ               ｗｈｏ               ｒｅｆｕｓｅｄ               ｔｏ               ｐａｙ. Ｔｏｄａｙ,               ｐｅｏｐｌｅ               ｃａｎ'ｔ               ｐａｙ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｓｉｍｐｌｙ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｄｏ               ｉｔ. Ａｄｄ               ｔｈａｔ               ｔｏ               ｅｖｅｒ-ａｇｇｒｅｓｓｉｖｅ               ｃｏｌｌｅｃｔｉｏｎ               ｔａｃｔｉｃｓ,               ａｎｄ               Ｉ'ｍ               ｓｕｒｐｒｉｓｅｄ               ｔｈｅ               ｃｏｍｐｌａｉｎｔｓ               ａｒｅ               ｓｏ               ｌｏｗ.                ＦＴＣ               ｒｅｃｅｉｖｅｄ               140,036               ｃｏｍｐｌａｉｎｔｓ               ｉｎ               2010               -               ｕｐ               ｏｖｅｒ               36,000               ｉｎ               ａ               ｔｗｏ               ｙｅａｒ               ｓｐａｎ. Ｆｒｏｍ               ｇｏｖｅｒｎｍｅｎｔ               ｒｅｐｏｒｔｓ,               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔｓ               ａｒｅ               ｕｓｉｎｇ               ｅｖｅｒ-ｓｔｒｏｎｇｅｒ               ｔａｃｔｉｃｓ               ｔｏ               ｓｑｕｅｅｚｅ               ｐａｙｍｅｎｔ               ｆｒｏｍ               ｄｅｂｔｏｒｓ,               ｉｎｃｌｕｄｉｎｇ               ｉｌｌｅｇａｌ               ｔｈｒｅａｔｓ               ａｎｄ               ｉｎｔｉｍｉｄａｔｉｏｎ               ｔａｃｔｉｃｓ. Ｃｏｌｌｅｃｔｏｒｓ               ｒｅｌｙ               ｏｎ               ｃｏｎｓｕｍｅｒ               ｉｇｎｏｒａｎｃｅ               ｂｙ               ｍａｋｉｎｇ               ｔｈｒｅａｔｅｎｉｎｇ               ａｎｄ               ｆｒｅｑｕｅｎｔ               ｔｅｌｅｐｈｏｎｅ               ｃａｌｌｓ,               ｃａｌｌｉｎｇ               ｎｅｉｇｈｂｏｒｓ               ａｎｄ               ｆｒｉｅｎｄｓ               ａｎｄ               ｅｖｅｎ               ｓｕｇｇｅｓｔｉｎｇ               ｔｈａｔ               ｇａｒｎｉｓｈｍｅｎｔ               ｏｆ               ｗａｇｅｓ               ｉｓ               ｉｍｍｉｎｅｎｔ.                Ｉｔ'ｓ               ｇｏｏｄ               ｔｏ               ｓｅｅ               ｔｈｅ               ＦＴＣ               ｉｓ               ｆｏｌｌｏｗｉｎｇ               ｕｐ               ｏｎ               ｔｈｅｓｅ               ｃｏｍｐｌａｉｎｔｓ               ａｎｄ               ｐｒｏｓｅｃｕｔｉｎｇ               ｔｈｅ               ｏｆｆｅｎｄｅｒｓ               -               ａｌｂｅｉｔ               ｗｉｌｌ               ｎｅｇｌｉｇｉｂｌｅ               ｆｉｎｅｓ               ｔｈａｔ               ａｒｅ               ｕｎｌｉｋｅｌｙ               ｔｏ               ｄｅｔｅｒ               ｒｅｐｅａｔ               ｏｃｃｕｒｒｅｎｃｅ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ. Ｔｈａｔ'ｓ               ｎｏｔ               ｔｏ               ｓａｙ               ｔｈａｔ               ｅｖｅｒｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｉｓ               ｖｉｏｌａｔｉｎｇ               ｔｈｅ               ｌａｗ               ｂｙ               ｃａｌｌｉｎｇ               ａ               ｄｅｂｔｏｒ. Ｉｆ               ｓｏｍｅｏｎｅ               ｏｗｅｓ               ａ               ｖａｌｉｄ               ｄｅｂｔ,               ｔｈｅｙ               ｓｈｏｕｌｄ               ｅｓｔａｂｌｉｓｈ               ｓｏｍｅ               ｒｅｐａｙｍｅｎｔ               ｐｌａｎ               ｔｈａｔ               ｔｈｅｙ               ｃａｎ               ｍｅｅｔ               ａｎｄ               ｒｅｄｕｃｅ               ｔｈｅ               ｄｅｂｔ               ａｎｄ               ｃｏｌｌｅｃｔｏｒｓ               ｓｈｏｕｌｄ               ｂｅ               ａ               ｂｉｔ               ｍｏｒｅ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｇｉｖｅｎ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｕｎｃｅｒｔａｉｎｌｙ               ｔｈａｔ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｆａｍｉｌｉｅｓ               ａｒｅ               ｓｔｒｕｇｇｌｉｎｇ               ｗｉｔｈ               ｒｉｇｈｔ               ｎｏｗ.                Ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｕｎｒｅａｓｏｎａｂｌｅ,               ｔｈｅｒｅ               ａｒｅ               ｃｏｎｓｕｍｅｒ               ｒｅｍｅｄｉｅｓ. Ａ               ｑｕｉｃｋ               ｓｅａｒｃｈ               ｏｆ               ｔｈｅ               ｉｎｔｅｒｎｅｔ               ｗｉｌｌ               ｐｒｏｖｉｄｅ               ｓａｍｐｌｅ               ｌｅｔｔｅｒｓ               ｔｈａｔ               ｓｔｏｐ               ｃｏｌｌｅｃｔｉｏｎ               ａｃｔｉｏｎ               ｃｏｍｐｌｅｔｅｌｙ. Ｔｈｅ               ＦＴＣ               ｈａｓ               ａ               ｆｏｒｍａｌ               ｃｏｍｐｌａｉｎｔ               ｐｒｏｃｅｄｕｒｅ               ｗｈｅｎ               ｔｈｅ               ｃｏｌｌｅｃｔｏｒｓ               ｃｒｏｓｓ               ｔｈｅ               ｌｉｎｅ.                Ｍａｒｔｉｎ               Ｍｅｒｚｅｒ               ｗｉｔｈ               ｃｒｅｄｉｔｃａｒｄｓ.ｃｏｍ               ｗｒｏｔｅ               ａ               ｇｒｅａｔ               ａｒｔｉｃｌｅ               ｔｈａｔ               ｄｅｂｔｏｒｓ               ｎｅｅｄ               ｔｏ               ｔａｋｅ               ｔｏ               ｈｅａｒｔ. Ｊｕｓｔ               ｂｅｃａｕｓｅ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｃｌａｉｍｓ               ｙｏｕ               ｏｗｅ               ｍｏｎｅｙ               ｄｏｅｓｎ'ｔ               ｍａｋｅ               ｉｔ               ｓｏ. Ｒｅｑｕｉｒｅ               ｐｒｏｏｆ               ｏｆ               ｔｈｅ               ｄｅｂｔ. Ｄｅｍａｎｄ               ｔｈａｔ               ｐｒｏｏｆ               ｂｅ               ｉｎ               ｗｒｉｔｉｎｇ               ａｎｄ               ｔａｋｅ               ｎｏ               ｆｕｒｔｈｅｒ               ｃａｌｌｓ               ｕｎｔｉｌ               ｔｈｅｙ               ｐｒｏｖｅ               ｉｔ. Ｔｈａｔ'ｓ               ｊｕｓｔ               ｓｍａｒｔ               ｆｉｎａｎｃｉａｌ               ｐｌａｎｎｉｎｇ.                Ｄｅｂｔｏｒｓ               ｓｈｏｕｌｄ               ｐａｙ               ｔｈｅｉｒ               ｂｉｌｌｓ               ａｎｄ               ｗｈｅｎ               ｃｏｌｌｅｃｔｉｏｎ               ｅｆｆｏｒｔｓ               ａｒｅ               ｒｅｑｕｉｒｅｄ,               ｔｈｅｙ               ｍｕｓｔ               ｂｅ               ｗｉｔｈｉｎ               ｔｈｅ               ｓｃｏｐｅ               ｏｆ               ｔｈｅ               ｌａｗ. Ｔｈｅ               ＦＴＣ               ｉｓ               ｒｉｇｈｔ               ｉｎ               ｅｎｆｏｒｃｉｎｇ               ｓａｎｃｔｉｏｎｓ               ａｇａｉｎｓｔ               ｔｈｅ               ｏｆｆｅｎｄｅｒｓ               ａｎｄ,               ｈｏｐｅｆｕｌｌｙ,               ｗｉｌｌ               ｃｏｎｔｉｎｕｅ               ｔｏ               ａｇｇｒｅｓｓｉｖｅｌｙ               ｐｒｏｔｅｃｔ               Ａｍｅｒｉｃａｎ               ｃｏｎｓｕｍｅｒｓ               ｗｈｉｌｅ               ｔｈｅ               ｅｃｏｎｏｍｙ               ｒｅｃｏｖｅｒｓ. Ｍｏｒｅ               ｊｏｂｓ               ｃｒｅａｔｅ               ｍｏｒｅ               ｍｏｎｅｙ               --               ａｎｄ               ｔｈａｔ               ｐａｙｓ               ｄｏｗｎ               ｄｅｂｔｓ.

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