~Why you are Smarter than a Dumb Debt Collector
Behind every woman there’s a great man, and behind every debt collector harassment there is a dumb lawyer. Think about it–the great lawyers (those lawyers who go to Yale or Harvard or graduate in the top 5% of their class), go on to lucrative careers on Wall Street or Beverly Hills. The lawyers that graduate in the bottom of their class (or go to one of those for-profit, no-name law diploma mills) end up working in a cubicle for XYZ debt collections. It’s not hard to be smarter than your average dumb lawyer, which is why it’s so easy to not give them a dime.
In order to be smarter than the debt collector, you’ve got to educate yourself about the law and become an informed consumer. In order to defeat debt collector harassment, You’ve got to know how credit collections agencies work, and what laws govern their operations. You’ve got to find out when they can garnish your wages, and when they are forbidden from contacting you. Finally, you’ve got to know how to avoid bank account garnishments, how to stop wage garnishments, and how to change your address so that they can’t find you to squeeze the last nickel out of you.
Consumers are becoming so informed that lawyer’s are resorting to pathetically shady tactics to try and force consumers to pay up, going to debt collector harassment extremes. Take this case about a bill collector working for JP Morgan, who posted the following notice on Gina Ricobene’s Facebook Profile:
“We have been retained by, JPMorgan Chase Bank, to locate and repossess their missing collateral a 2007 Mercedes GL 450. Please contact our office immediately so we can discuss the peaceful recovery of the collateral. Failure to contact me will result in further action against your father James Ricobene. Legal options range from having a replevin order served on you or even worse reporting the collateral as stolen to local authorities in Illinois under the A.R.S. act 18-5-504. Failure to comply with this notice of surrender is a class 5 felony and carries a maximum penalty of imprisonment for two years plus all applicable surcharges. You must contact the writer within 5 days to prevent this action from taking place.
You can contact me directly at 800-667-7704 ext 222 or directly at 604-267-1581 ext. 222
Awaiting your immediate response.
Chris Flanagan
Senior investigator”
Trouble is, Gina Ricobene didn’t owe the debt. Her father did.
As well as advertising the fact that he was ignorant of the law (posting that notice was in violation of three sections of The Fair Debt Collection Practices Act sections § 804), this bill collector also provides a great example of how it doesn’t take much to be smarter than a dumb bill collector. JP Morgan’s cronies are now being sued in court. May the smartest man win!
Related posts:
- How to Stop a Debt Collector From Freezing Your Bank Account
- Debt Collector Harrassment: Craig Cunningham’s Secret Weapon
- ID, Please! How to use the Fair Debt Collections Practices Act to Outwit Bill Collectors.
- Know Your Rights About Debt Collectors
- How to Stop Bill Collector Calls with the Ol’Switcheroo
