레이블이 Bureau of Public Debt Contact인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Bureau of Public Debt Contact인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 24일 일요일

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








               COMMENTARY               |               Debt               collectors               are               harassing               people               big               time               and               the               federal               government               is               taking               measures               to               penalize               them.

USA               Today               reported               complaints               against               collection               agencies               to               the               Federal               Trade               Commission               are               up               17               percent.

That's               no               surprise               really               --               every               company               is               trying               to               maximize               dollars,               and               collection               agencies               are               not               immune               to               that.
               With               the               economy               in               the               tanks,               struggling               companies               are               taking               stronger               measures               against               unpaid               accounts.

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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