In 2008 Americans Made 78,000 Complaints About Debt Collectors Dirty Tricks

Federal Trade Commission Report "Urges Debt Collection Reform".

 On August 17, 2009, I produced and uploaded a video called 'Debt Collector's Dirty Tricks' to Debt Warriors Youtube Channel.


This video has received over 18,000 views and hundred's of comments.

Fast forward to a 2009 Federal Trade Commission 'FTC' Report which cites "major problems with 3rd Party Debt Collectors".

"The report recommends changes in the law to require that collectors have better information, making it more likely that their efforts will be for the right amount and be directed to the right consumer. It also recommends that they be required to provide consumers with better information explaining their rights under the FDCPA."

Being in the trenches, working to help hundreds clients stop Debt Collector threats and harassment, I've learned a lot.  For example, when it comes to stopping 3rd Party Debt Collector harassment there is theory and real life.

There are many Websites that offer only surface Debt Elimination information.  Thousands of so called Debt Help Experts have never really helped anyone stop Debt Collector Harassment.  Instead these people go to the FTC website and cherry pick advice, change a few words and claim it as their own.

Theories Don't Stop Debt Collector Tricks.

Other Debt Help Experts have theory but don't know about the dirty tricks that Debt Collectors use to get around the Fair Debt Collections Practices Act ('FDCPA') and other Law's enacted to help Consumers. And because other so called Debt Help Experts don't know about these trick's, how can they help Consumers defend against them? 

On the other hand, Debt Warriors have seen almost every Debt Collector trick under the Sun.  We accounted for them all in the Debt Warriors Arsenal Video Course.

The FTC is Just Now Starting To Catch On.

In the 2009 Report (referenced above), the FTC calls for "modernization" of the FDCPA in the following areas:

• The FTC calls for prohibiting Debt Collectors from contacting consumers via their mobile phones, including by text messaging, without prior express consent; and

Many American Consumer's make simple mistakes like updating or verifying their phone number with the Debt Collector. Debt Warriors cover this area in OPERATION ONE of the Debt Warriors Arsenal. We inform Consumers about how to stop Debt Collectors dirty tricks.

• The FTC urges changes, requiring collectors who use new payment technologies to obtain express verifiable authorization from consumers before accessing their accounts.
  

I've listened in horror as client's have called me crying because they can't access their accounts, because some greedy  a Debt Collection Law Firm has placed a freeze on the client's Bank Account's.  One client came to us for help after going to put gas in her car to go to work and finding that the Debt Collector had frozen her account. 

She was embarrassed and afraid when she learned that her Bank had cooperated with a Debt Collector and blocked access to her checking account. On top of the shame she couldn't access her accounts to buy food for her two daughters or to keep her lights on in her house. She was terrified but had come to trust Debt Warriors after reading out blogs for a few months.

Since she lived in California, I signed her up with an affordable Attorney in California and the Lawyer was able to get on the Bank to unfreeze my clients account.

Debt Collectors will stop at nothing to collect.

Most of what many 3rd Party Debt Collectors do is illegal.  Why do Debt Collectors break the Law so often? Because most American Consumer's don't know about their Rights. Those who go to other Debt Help websites, don't learn about the tricks that Debt Collector's use that violate and circumvent Consumer's Rights.

Debt Warriors Have Been Warning Consumer of  Debt Collector Tricks For Years.


I'm proud that Debt Warriors are being proven right on so many financial issues.  I have to admit that sometimes I've been discouraged to continue helping people for many reasons.  But to paraphrase Winston Churchill "in the end right will win".





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DEBT WARRIORS™ are not Attorneys. WE ARE experienced Credit Repair and Debt Management, Negotiation and Debt Settlement Coaches. WE teach American Debtors how to manage and settle their debt (for themselves). The information on this blog, should not be considered legal advice. Debt Warriors offer helpful Credit and Debt "Self-Help" video course, Personal Finance, and information products.

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