2022年05月13日のつぶやき 2022/05/14
tsukasasurfDua Lipa - Don't Start Now [Theo Remix] by Theo on #SoundCloud https://t.co/p4FGnCizLk やっぱ今は、デュラリパ。05/13 07:24
2022-05-14 02:01
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Арматура А240
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- https://artel-met.ru/katalog/balka/
by Jeromethima (2022-06-12 22:36)
If you are a North Carolina resident and are facing harassing collections calls or have had problems with an inaccurate credit report, you can turn to me for help. I am Charlotte consumer protection attorney Rashad Blossom. I come from a family background that faced an uphill climb when dealing with credit card companies, banks, and other creditors. I understand the frustrations you are feeling, and I will work aggressively to help you protect your rights and preserve your credit rating. I represent individuals and families throughout Mecklenburg County and the surrounding areas. Blossom Law PLLC serves Mecklenburg County. All of North Carolina. What Does the Fair Debt Collection Practices Act (FDCPA) Do? The FDCPA protects consumers from the heavy-handed strategies often used by credit card companies, banks, contracted bill collectors, and credit reporting agencies. Under the FDCPA, creditors and their collection agencies are restricted in the practices they use to intimidate consumers into paying.
Call us today for a free consultation. Can a Creditor Garnish My Wages? Wage garnishment is a legal action that creditors often rely on to recover money owed from debtors. Filing Chapter 7 or Chapter 13 bankruptcy places an immediate stay (stop) on garnishment. Other legal collections actions pending against you. Your credit report is your lifeline to a mortgage, a car payment, student loans, and other types of debt you may need in our modern times. An inaccurate report or creditor misrepresentation that leads to a poor credit rating can mean a lost opportunity for you and your family. If you have had a loan denied based on your credit report, it pays to inquire into the nature of the denial. If there is an inaccuracy reflected in the report or a failure to give full information you requested to be placed on your report, you may be entitled to seek financial compensation from the liable creditor. Blossom Law PLLC is a debt relief agency. The firm helps people file for bankruptcy relief under the U.S.
In addition, false or inaccurate reporting to TransUnion, Experian, Equifax, or other credit reporting agencies may give you the right to sue for financial harm resulting from the inaccuracy. Collection phone calls made to your personal residence after 9 p.m. North Carolina has a state debt collection law that closely parallels the federal FDCPA. Both laws are in place to protect you against debt collection abuse by allowing consumers to sue and to obtain actual or statutory damages. The North Carolina law allows consumers to recover damages between $400 and $4,000, while federal law allows consumers to recover up to $1,000 in statutory damages. Attorney Rashad Blossom can help you determine whether North Carolina law or the federal FDCPA provides you with a legal remedy. The court may also have an injunctive remedy -- a court order that requires the creditors to stop specific activities, such as relentless phone calls and aggressively sending collection letters.
Need a creditor harassment lawyer serving Charlotte, Mecklenburg County and the surrounding areas? What Are My Options if a Debt Collector Violates the FDCPA? Have you dealt with a debt collector that has violated your rights under the Fair Debt Collection Practices Act (FDCPA)? There are actions that you can take to protect yourself and remedy the problem. Report Them to a Government Agency: You can file a claim with the Federal Trade Commission (FTC). Sue the Collector in State Court: You may be able to collect statutory damages. Sue the Collector in Small Claims Court: This is the fastest solution, and it does not require a court hearing. File a Claim with the State Attorney General: You can file a report if you believe there were state laws that were violated. If you believe that a debt collector has violated your rights under the FDCPA, do not hesitate to contact Blossom Law PLLC. Our debt relief attorney is here to assist you. Provide guidance in any debt situation you may be in.
Because debt collection agencies are a third party separate from the courts, people’s records often fall through the cracks. According to her attorney, Lacey ended up receiving a refund of nearly $800 because, with the help of the East Bay Community Law Center, she was able to show the court that Alliance One-the collection agency used by the Alameda County Court-had been asking for payments on tickets Lacey had already paid. Because debt collection agencies are allowed to report unpaid debt to credit bureaus, court debt can also ruin a person’s credit score, grievously impacting his or her ability to rent a home or secure a student loan. This is a voluntary action, and, in its report, the CRC strongly advises that counties prevent agencies from taking it. “How is it that a traffic ticket affects your credit? ” asked Lacey. Because of her court debt, she said, “I can’t buy a house, I can’t go nowhere-I’m stuck in the ’hood. “If there were an effective cost-benefit analysis for counties on these fines and fees, the costs would far outweigh the benefits,” said Nancy Fishman, a project director at the Vera Institute of Justice. Most counties, Fishman said, don’t pay close attention to how much money they actually make off of fines and fees.
But if communities and residents aren’t benefiting from the current arrangement, who is? As it stands, said Joanna Weiss, co-director of the Fines and Fees Justice Center, the system is giving incentives for private firms to profit off poor communities. Many California counties contract with private debt collection agencies. 12 to 18 percent, which is on top of debt we don’t even know if people can afford to pay,” Weiss said. And that’s just for newly delinquent debt. “Commission fees encourage private debt collectors to collect on debt over five years old, and to allow debt to age so that they can collect on it later and receive higher commission fees,” according to the CRC report. Once the delinquent debt has aged over five years, collectors’ commission fees can go up to nearly 26 percent. Many private collection agencies are authorized by the state to pay themselves back for operating costs before they distribute money to state and local governments. According to the report, between 2013 and 2014, such costs amounted to $114 million, or 6 percent of the total fine and fee revenue.
Source:
- https://nocollectioncalls.com
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how to settle a debt collection lawsuit
by Curtissaf (2022-06-17 21:09)