How to increase traffic to your website

If you are like me and you would like to increase traffic to your website than you should consider using a company known as Grow Traffic as they offer website traffic including targeted visitors from the country or region of your choice.

For more information visit: https://growtraffic.com/

 

Posted in Uncategorized | Leave a comment

Collection agency debt validation letter

A collection agency debt validation letter is the topic of this blog post.  Debt validation letters are authorized by the Fair Debt Collection Practices Act (FDCPA) provision found in Title 15 United States Code section 1692g(b) which allows consumers to send a written communication to any third-party debt collector such as a collection agency that their claim is disputed and validation is requested.

Section 1692g(b) also states that if the consumer notifies the debt collector in writing within thirty days that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

You should send any debt validation letter within thirty days of receiving any communication from a debt collector as this will prevent the debt collector from any further attempts to collect the debt until they have obtained verification of the debt.

If the debt validation letter is not sent within thirty days the debt collector may continue attempts to collect the debt while they obtain verification of the debt.

Title 15 United States Code section 1692g(c) states in pertinent part that even if the consumer does not dispute the validity of a debt within the thirty day period that failure to dispute the validity of any debt may not be construed by any court as an admission of liability by the consumer.

The first thing to do after receiving any communication from a debt collector is to determine if the debt may be valid or not as the use of a debt validation letter may not be a good idea where the debt is clearly valid as sending the letter may prompt the debt collector to not only verify the debt but also take further collection actions. However if the name of the creditor is listed on the collection agency notice and you do not recognize the name of the creditor than the use of a debt validation letter should be seriously considered.

Attorneys or parties who would like to view or download a sample debt validation letter to a collection agency created by the author and available for FREE download in Word format can see below.

Attorneys or parties who would like to view portions of over 250 sample legal documents for California and Federal litigation sold by the author of this blog post can use the link shown below.

View over 250 sample legal documents for sale

If you are looking for low cost Facebook likes than be sure to check out AlphaLikes, a company which offers low cost Facebook likes packages starting at just $20.00.

For more information visit http://www.alphalikes.com/

The author of this blog post, Stan Burman, is an entrepreneur and freelance paralegal who has worked in California and Federal litigation since 1995 and has created over 255 sample legal documents for California and Federal litigation. If you are in need of assistance with any California or Federal litigation matters, Mr. Burman is available on a freelance basis. Mr. Burman may be contacted by e-mail at DivParalgl@yahoo.com for more information. He accepts payments through PayPal which means that you can pay using most credit or debit cards.

*Do you want to use this article on your website, blog or e-zine? You can, as long as you include this blurb with it: “Stan Burman is the author of over 255 sample legal documents for California and Federal litigation and is the author of a free weekly legal newsletter. You can receive 10 free gifts just for subscribing. Just visit http://freeweeklylegalnewsletter.gr8.com/ for more information.

Follow the author on Twitter at: https://twitter.com/LegalDocsPro

You can view sample legal document packages for sale by going to http://www.legaldocspro.com/downloads.aspx

DISCLAIMER:

Please note that the author of this blog post, Stan Burman is NOT an attorney and as such is unable to provide any specific legal advice. The author is NOT engaged in providing any legal, financial, or other professional services, and any information contained in this blog post is NOT intended to constitute legal advice.

The materials and information contained in this blog post have been prepared by Stan Burman for informational purposes only and are not legal advice. Transmission of the information contained in this blog post is not intended to create, and receipt does not constitute, any business relationship between the author and any readers. Readers should not act upon this information without seeking professional counsel.

Posted in California freelance paralegal, collection agencies, credit damage, debt collection defense, debt dispute letter, debtor's rights | Tagged , , , , , , | Leave a comment

Cease and desist letter to collection agency

A cease and desist letter to a collection agency is the topic of this blog post.   The Fair Debt Collections Practices Act (FDCPA), Title 15 United States Code sections 1692c and 1692k authorizes any consumer to sent a written demand to any third-party debt collector such as a collection agency to request that they cease and desist all communications by telephone, or all communications if that is desired. The State of California has a law known as the Rosenthal Fair Debt Collection Practices Act provision found in California Civil Code Section 1788.17 which authorizes the use of a cease and desist letter to any debt collector regardless of whether they are the original creditor or not.

Any cease and desist letter should be sent by certified mail, return receipt requested so that the consumer has documentary evidence that could be used in court if the collection agency does not comply as continuing collection efforts after being notified in writing to cease and desist is a violation of both the California and Federal versions of the FDCPA.

The consumer should be sure to make copies of any letter as well as all documents and receipts that relate to the mailing such as the signed return receipt for the certified mail.

Future blog posts will discuss further ways to deal with debt collectors such as collection agencies.

Attorneys or parties who would like to view or download a sample collection agency cease and desist letter created by the author of this blog post and available for FREE download in Word format can see below.

Attorneys or parties who would like to view portions of over 250 sample legal documents for California and Federal litigation sold by the author of this blog post can use the link shown below.

http://www.scribd.com/LegalDocsPro/documents

The author of this blog post, Stan Burman, is an entrepreneur and freelance paralegal who has worked in California and Federal litigation since 1995 and has created over 255 sample legal documents for California and Federal litigation. If you are in need of assistance with any California or Federal litigation matters, Mr. Burman is available on a freelance basis. Mr. Burman may be contacted by e-mail at DivParalgl@yahoo.com for more information. He accepts payments through PayPal which means that you can pay using most credit or debit cards.

*Do you want to use this article on your website, blog or e-zine? You can, as long as you include this blurb with it: “Stan Burman is the author of over 255 sample legal documents for California and Federal litigation and is the author of a free weekly legal newsletter. You can receive 10 free gifts just for subscribing. Just visit http://freeweeklylegalnewsletter.gr8.com/ for more information.

Follow the author on Twitter at: https://twitter.com/LegalDocsPro

You can view sample legal document packages for sale by going to http://www.legaldocspro.com/downloads.aspx

DISCLAIMER:

Please note that the author of this blog post, Stan Burman is NOT an attorney and as such is unable to provide any specific legal advice. The author is NOT engaged in providing any legal, financial, or other professional services, and any information contained in this blog post is NOT intended to constitute legal advice.

The materials and information contained in this blog post have been prepared by Stan Burman for informational purposes only and are not legal advice. Transmission of the information contained in this blog post is not intended to create, and receipt does not constitute, any business relationship between the author and any readers. Readers should not act upon this information without seeking professional counsel.

Posted in collection agencies, credit damage, debt collection defense, debtor's rights, Fair Debt Collection Practices Act | Tagged , , , , , | Leave a comment

Debt dispute letter to a credit bureau under the FCRA

A debt dispute letter to a credit bureau (CRA) under the Fair Credit Reporting Act (FCRA) is the topic of this blog post. The statutory authorization for the FCRA is found in Title 15 United States Code § 1681 et seq. The FCRA requires a CRA to conduct “a reasonable investigation” into the disputed information and remove anything they can’t verify as accurate. The big three CRA’s are Equifax, Experian and Transunion.

If a CRA does not properly investigate or does not respond to repeated dispute letters a complaint can be filed with the Consumer Financial Protection Bureau by visiting their website at: http://www.consumerfinance.gov/complaint/

I do NOT recommend ever submitting any debt dispute using the telephone or online as in most cases you will not have the opportunity to include enough information. Yes Equifax, Experian and Transunion all prominently feature that you can submit your dispute online or over the telephone but I strongly suggest submitting any debt dispute through a detailed letter sent by certified mail, return receipt requested to all of the CRA’s that are reporting inaccurate or obsolete information on your credit report.

Unless a full explanation of the dispute is given the CRA may simply respond to any lawsuit by claiming that they are not liable as they did not receive adequate information to investigate the dispute. An adequate dispute letter should be at least one full page if not more and should state in detail why the information in the credit report is inaccurate and also contain facts and documents that support the claim of inaccurate information being reported. Be sure to keep several copies of the debt dispute letter and all documents that were provided for your records.

A lawsuit can also be filed against any CRA although that should be considered as a last resort. Everyone disputing a debt with a CRA should ensure that they save ALL evidence that could be used in court to prove that they have been damaged.  That evidence should also include documentation that there is a factual disagreement about what happened to their debt dispute or disputes. Failure to save all of the supporting evidence may result in the CRA or the furnisher of the information filing a motion for summary judgment which will result in the case being decided by a judge instead of having a trial by jury.

Of particular importance are documents such as a certified mail receipt that shows that the CRA received the debt dispute letter as the big three CRA’s are notorious for consistently losing or at least claiming to lose correspondence from consumers. Just as important are any letters detailing all denials of credit that have been received as those are proof that a consumer may have been damaged by errors in their credit report.

Consumers should also be sure to include enough information in their debt dispute letter so to ensure that the CRA or the furnisher of the information and copies of all documents relevant to the dispute should be attached.

Consumers should realize that many CRA’s are somewhat unlikely to use the evidence provided to investigate any complaint. However the advantage of providing as much information and evidence as possible is that this will make it much harder for the CRA to later claim that the error is the fault of the consumer because they did not provide adequate information.

Another letter along with all relevant documents should also be sent by certified mail, return receipt requested to the furnisher of the information to ensure that the furnisher of the information cannot later claim that that the error is the fault of the consumer because they did not provide adequate information.

With a few exceptions a CRA can be held liable under the FCRA for reporting negative information more than seven (7) years old and any bankruptcy more than ten (10) years old. In most cases a court judgment can be reported for no longer than ten (10) years or the statute of limitations for enforcing a court judgment in the state where the judgment is entered which may be more than or less than 10 years depending on the particular state where the judgment was entered.

Another issue to watch out for that should be properly disputed is what is known as re-aging of debt. This happens because debt collectors will often sell accounts to one another and occasionally they will report an inaccurate time causing the debt to be reported longer than it should.

Attorneys or parties that would like to view or download a FREE 3 page debt dispute letter to all three credit bureaus created by the author of this blog post can see below.

Attorneys or parties who would like to view portions of over 250 sample legal documents for California and Federal litigation sold by the author of this blog post can use the link shown below.

http://www.scribd.com/LegalDocsPro/documents

The author of this blog post, Stan Burman, is an entrepreneur and freelance paralegal who has worked in California and Federal litigation since 1995 and has created over 255 sample legal documents for California and Federal litigation. If you are in need of assistance with any California or Federal litigation matters, Mr. Burman is available on a freelance basis. Mr. Burman may be contacted by e-mail at DivParalgl@yahoo.com for more information. He accepts payments through PayPal which means that you can pay using most credit or debit cards.

*Do you want to use this article on your website, blog or e-zine? You can, as long as you include this blurb with it: “Stan Burman is the author of over 255 sample legal documents for California and Federal litigation and is the author of a free weekly legal newsletter. You can receive 10 free gifts just for subscribing. Just visit http://freeweeklylegalnewsletter.gr8.com/ for more information.

Follow the author on Twitter at: https://twitter.com/LegalDocsPro

You can view sample legal document packages for sale by going to http://www.legaldocspro.com/downloads.aspx

DISCLAIMER:

Please note that the author of this blog post, Stan Burman is NOT an attorney and as such is unable to provide any specific legal advice. The author is NOT engaged in providing any legal, financial, or other professional services, and any information contained in this blog post is NOT intended to constitute legal advice.

The materials and information contained in this blog post have been prepared by Stan Burman for informational purposes only and are not legal advice. Transmission of the information contained in this blog post is not intended to create, and receipt does not constitute, any business relationship between the author and any readers. Readers should not act upon this information without seeking professional counsel.

 

 

 

 

 

 

Posted in credit damage, debt dispute letter, dispute letter to credit bureau, Fair Credit Reporting Act | Tagged , , , , , , | Leave a comment

Check out this company offering low cost Facebook likes

After researching several companies on the internet I found BoostLikes, a company which offers low cost Facebook likes. In fact they offer 500 real Facebook likes for as low as $27.00! They also offer low cost Twitter followers also starting at just $27.00. They offer additional services as well.

For more information visit http://www.boostlikes.com

 

 

 

Posted in Uncategorized | Leave a comment