Creditors calling night and day?
Drowning in debt?
Want to GET OUT & STAY OUT of debt?

As we both know, not everything is perfect in this
imperfect world. Sometimes we make a mistake --
and sometimes it's someone else's fault ...
like your identity is stolen, or your ex has gone on
a financial rampage with *your. credit cards.
In which case, you might not owe a debt to someone
who is chasing you so --
What do you do if you don't owe the money?
First of all, you have to immediately inform the creditor or
collection agency in writing. Make a photocopy to keep
and send the original letter to them by certified mail or
Federal Express so you have a signature and they can't
claim they never got your letter.
If you have any receipts, canceled checks or other
documents to back up your statement, make copies and send
them also. But KEEP the originals of these documents.
You will need them as proof if you go to court to defend
yourself.
If it's a case of identify theft, immediately report this
crime to your local police, and then send a copy of the
police report to your creditor. That should get them off
your back ... the law requires them to check out your
story and then provide proof of what you owe.
After the investigation, if there is still a disagreement
between you and the creditor about how much you owe,
they'll have to take you to court and prove you owe the
amount claimed.
Unless, of course, they can badger you into paying them
anyway! And that happens ... a lot more often than you'd think!

=======================================================

Now on to some more really good info --
B$ YOUR CREDITORS ... Hot Tip #4

What do I do if they break the law?
Report them!!!
Write a letter to each of these agencies:
1. Federal Trade Commission
Debt Collection Practices
Washington, DC 20580
2. The Better Business Bureau in your state and city
... you can find the address in your phone book.
3. And your state's Consumer Credit Division ... here
again, you can find them in the phone book.
4. You should also contact a lawyer -- even at a free
clinic, or an association that protects the rights
of consumers in your state. They may be able to
use the illegal activity engaged in by the creditor
to get you off the hook for the bill.

Now don't panic ... writing this letter isn't that hard.
Here's what you do --
1. At the top of the letter put your first and last name,
under that your address and below that put the date.
2. Skip a space and put the name of the consumer agency
you're reporting them to (probably one of those
mentioned above) and, under that, put their address.
3. Then put:
Re: Collection Practices of: (insert your creditor or
collection agency name,
and address -- the ones that
did the illegal action to you.)

4. Then write something like the following:

To Whom It May Concern: (or Dear ________________,
if you know who you're writing to)

I would like to file a formal complaint against (insert
the name of your creditor) for actions they took while
trying to collect a debt.
My complaint is as follows:
(Here you write out what they did, use documentation
[receipts, etc] if you have them, and be as clear as you can.

5. If you're using B$ YOUR CREDITORS ... SO YOU
CAN SURVIVE! and/or the B$ EASY BUDGET BOOK
you can write this letter is great detail because
you'll have the dates you talked to them and
everything that was said, written down so you
won't be going by your memory -- you can
actually nail them with the truth!)
6. Now end the letter with the following (or something
similar)...

I would appreciate it if you'd investigate this matter
and have these illegal practices stopped. If you would like
further information I may be contacted at the above
address or you may call me between the hours of ________
and ________ at this number (insert telephone number.)
Thank you for your time and trouble.
Sincerely,

7. Then sign your name -- and neatly print or type
it underneath so they can read it.
8. Then make a copy, file it in with the rest of your
information about this debt, and mail the original
letter to them, here again, by certified mail or
Federal Express so you get a signature and they
can't claim they never got your letter.

And don't be afraid to do this --
If you don't fight for your rights ... who will?
=======================================================
You'll get your next B$ YOUR CREDITORS ... HOT TIP in
2 days and you will read about --
THE BOTTOM LINE: What can my creditors really do to me?
As always, your comments on this course are welcome,
please email me at: Robin@BSyourCreditors.com.
Thanks for reading B$ YOUR CREDITORS ... HOT TIP #4!

Here's to your monetary success,
Robin Krause
President/CEO
Sub Rosa Books, Inc.

P.S. Remember, I offer a 100% MONEY BACK GUARANT*E!
I really believe in these books ... but if you order and
you're not happy, then I'm not not happy. Simply return
the book(s) for a complete refund of the purchase price, no
questions asked. I really want happy customers!

=======================================================
If you have questions about the Fair Debt Collection
Practices Act, or your rights under the Act, write:
Consumer Response Center
Federal Trade Commission
Washington D.C. 20580
Call the local State Attorney General's office to report
violators.
If you don't fight for your rights ... who will?

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Copyright 2002 Sub Rosa Entertainment, Inc. Important Caution to the Reader: The information on this site is not intended as legal advice for an individual situation. If you need further help and have not done so already, please contact an attorney. This site does not take the place of an attorney's advice based on the latest developments in finance law. This site is based on information from sources believed to be accurate on the topics included. However, it covers only the broad general principles set forth herein and is not intended to be an exhaustive legal treatise on these subjects. The authors are not attorneys or CPAs and do not purport to offer legal or accounting advice. Neither the authors nor the publisher are engaged in rendering legal, accounting, or other professional services. Remember, NO advice or book can replace a good lawyer. Specific problems invariably involve individual considerations and should be promptly referred to legal counsel or other expert assistance. This site was written around American credit and finance laws. As such, much of this site might not apply in other countries. Although every effort has been made to make this email as complete and accurate as possible there may be mistakes both typographical and in content. Therefore, this text should be used only as a general guide and not as the ultimate source of credit information. The reader is encouraged to read all available material and to learn as much as possible about the subject. Furthermore, this site contains accurate information only up to the posting date. The laws change swiftly, especially in the area of finance. So when in doubt, see a lawyer! This site is presented without warranties of any kind, express or implied, and the publisher and authors disclaim any liability, loss or damage caused by the contents of this site.