E-book Category: Finance
E-book Title: STOP Creditor Harassment GUARANTEED
Book Description: "Tell the Bill Collectors to Shove it and Never Receive another Harassing, Threatening Phone Call or
Collection Letter Again...Guaranteed!
Do you want to know the Secret that will allow you
to use a little known Federal Law to make
Bill Collectors pucker up...and then Shut Up?
The Bill Collectors DO NOT want you to Know this Information!
What we Have
A Solution to keep collection agencies and debt collectors from calling your home or office or sending harassing letters to you. It is based on Federal Law and is Guaranteed to Work 100% of the time or your money back.
It is a simple solution that people are not aware of, but everyone is entitled too. Collection agencies have held the upper hand for too long. Take back your rights so you can recover your financial footings.
Here's how it will Solve your problem..
If you are Suffering because of the economy or have been laid off and are besieged by debt collectors calls and letters then this will STOP them Dead in their Tracks. You have rights as a consumer, but unfortunately 99% of consumers are unaware of them. This lack of information STOPS today!
This will give you breathing room to get your finances back on track without the constant barrage of collection agency calls and harassing letters. You can stop flinching every time the phone rings or the mailman rings the doorbell. You deserve a second chance, and the only way you can get started is with some peace of mind. Don't hesitate, you have found your chance, take it!
Here's how to get Started today!
Your harassment will STOP as soon as you decide to get on the path to Harassment Free Living Today! What are you waiting for...you have found your solution, Order Now
There is a way to stop Collection Agencies DEAD in their tracks!
Just as they have rights to collect money that is owed them, YOU as a consumer have rights too, but unfortunately most people are unaware of them, which just makes it easier for the agencies to keep calling.
This is NOT a black hat tactic to avoid paying legitimate bills that you owe. This is a technique that will get you your privacy back and give you some peace of mind while you get your financial bearings again. And this is not something we made up,
This Is A FEDERAL LAW.
You have the right to contact the agencies that are bothering you and FORCE them to stop contacting you by the means of a special letter and correct verbiage that will end the harassment once and for all. But like most things in life, if you don't know the right procedure it becomes frustrating and ineffectual.
That's why we created the book,
"Stop Credit Harassment"
So how can we help? Simple...Stop Credit Harassment is a step by step book detailing how to write the letters that can be used to Stop the collection agencies from contacting you, it gives the correct format, what to include in the letter that will make it more powerful, how to send it, PLUS information on credit laws, No call list, and a bonus letter for disputing collections that you believe are beyond the statue of limitations.
It FORCES the collection Agencies to STOP contacting you, Under Penalty of Law, so you can get a financial breather, get your life back, and regain your privacy.
Our pre formatted letters are in PDF and Word format so you can open, personalize and print out the letters yourself.
Order Today and Stop the Harassment!
Q: Does this stuff really Work?
A: 2 Words...FEDERAL LAW
If you are a collection agency, chances are something is going to pucker up when you hear those words directed at your business.
For those of you legally inclined, here is some legal stuff below
Communication with Consumer
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- - at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;
- if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
- at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- - to advise the consumer that the debt collector's further efforts are being terminated;
- to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
- where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
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Information on Harassment and Abuse
§ 806. Harassment or abuse [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
- The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
- The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
- The advertisement for sale of any debt to coerce payment of the debt.
- Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
- Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.
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How's that for legal stuff?
So you can see that you have an option to get some breathing room. BUT you need to send the letter in a pre designated form citing the laws and specifically indicating the actions needed to be taken.
This is ALL spelled out in the PDF "Stop Credit Harassment" and contains all the info needed to do the letters yourself.
You have to make a choice...continue to be afraid to pick up the phone, or get the Solution today and start putting those Dirty Bast***s in their place. Peace of mind is a terrible thing to waste...Do it Now! More... | 
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