Your Consumer Rights

If you already behind on your debts you already know, like
deal with your creditors can be a nuisance. Sometimes
May even be embarrassing. It is not necessary
Way.

With millions of people facing financial problems that they
is absolutely necessary for everyone to know, understand and
their rights as consumers.

The law requires that you receive a fair and equitable treatment
exhibiting companies from the loan. This law appliesif
Assess applications for credit, insurance, employment,
and also lettings.

The only area where I have many complaints from
People who are harassed by debt collectors. These
Complaints range from debt collectors contacting their work and
Family members are called names. All these are a direct

Violation of the Fair Debt Collection Practices Act (FDCPA).
This article explains exactly what your rightsConsumers.

I have some parts of this article copied directly from
Website of the Federal Trade Commission to ensure that the
Information is explained exactly how the law applies. These
The areas are identified.

The FDCPA, the following guidelines that must be performed
all collectors:

(Copies of the Federal Trade Commission's website)

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~ Collectors do not come into contactonly 8 to 9 pm

~ ~ Debt collectors can not go to work with you, if you know that your
Employer disapproves.

~ ~ Debt collectors may not harass, oppress or abuse you.

~ ~ Debt collectors may not lie when recovery of debts, such as
erroneously suggested is that you have committed a crime.

~ Collectors must identify themselves to you over the phone.

~ ~ Debt collectors must stop contacting you if you invite them
writing.

It also prohibits the debtCollectors unfair
deceptive or abusive practices when collecting that debt.

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It 'very important to record every contact with you think
with your creditors, especially if there is a dispute or
Misunderstanding about your account. Everyone should
Name and address of company, date and time of call, the
The name of the person who spoke withThe content of the call.
I developed a module that can be used for this purpose. You
found on http://www.homemoneyhelp.com/ccrs.html

Another important aspect of your consumer rights and credit
Signaling. Derogatory information in your credit report can
have serious consequences. Ultimately, it is your responsibility
to ensure that the information is correct in your credit report
and up to date.

There are many companies, the Free "Reports "
They must, however, for their "debt monitoring
Service ", which generally cost about $ 80. You will receive a complimentary
Credit report, and if the service control in
30 days, will cost you nothing. It is best to get your
Credit report directly from a credit reporting agency. It is
only costs about $ 9. Here is a list of the three main
Company:

Equifax
PO Box 740241
Atlanta, GA03074-0241
(800) 685-1111

Experian
PO Box 2104
Allen, TX 75013-2104
(888) EXPERIAN (888-397-3742)

TransUnion
PO Box 1000
Chester, PA 19022nd
(800) 916-8800

I recommend you visit the link to find out
To get your credit report:

http://www.pueblo.gsa. gov / cic_text / price / fair-credit / crd.htm Fair
Aware of their rights under the Fair Credit Reporting
Act (FCRA) can save you a lot of time andDifficulties in
for credit losses. The following explains these rights.

(Copies of the Federal Trade Commission's website)

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Your credit report
Your payment history and credit 'recorded in a file or report.
These files or reports are maintained and sold by "consumer
Reporting Agencies (CRA). One type of CRA is commonly known,
as Credit Bureau. She has a record of credit for up to one fileCredit
Office, if ever for a credit or accounts that have asked
a personal loan, insurance or a job. Your credit record
contains information on income, debts and credits
Buying behavior. It also shows where they have been reported
arrested, or filed for bankruptcy.

The Fair Credit Reporting Act (FCRA) is designed to ensure
that the rating agencies to provide accurate and complete information for companies
use if your voteApplication.

Your rights under the Fair Credit Reporting Act:

~ ~ You have the right to receive a copy of your credit report. The
Copy of the report contains all the information in your
Files when required.

~ ~ You have the right to know the name of each
Your credit report in recent years ~ ~ for most purposes or in
the last two years for professional reasons.

~ ~ Any company that denies your application must provide
Name and address of the CRA they contacted, provided that the denial
was given, according to data from the rating agencies.

~ ~ You have the right to a free copy of your credit report, if
Your application is rejected because of the Member States
the CRA. Your request must be filed within 60 days of receipt
Their denials reserved.

~ ~ If you contest the completeness or accuracy of the information contained in
Their relationship, you should file a dispute with the CRA and with the
Companydetermined that the information to the CRA. Both the CRA
and the applicant of information are legally obligated to
Reconsider their quarrel.

~ ~ You are entitled to a summary explanation to your credit card to add
to report if your dispute is not resolved satisfactorily.

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If you believe that your rights have been violated in the context of a
these laws, you may file a complaint with the Federal Trade File
Commission on the Internet at:
[https: / / rn.ftc. $ Gov / pls / dod / wsolcq]. startup? Z_ORG_CODE = PU01

Although these laws do not eliminate the obligation to pay
only prevent them from debt collectors and other
taking advantage of you.