After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
How to Deal With a Collections Agency

2. Collection agencies are at the bottom
of the barrel when it comes down to
business. The only thing they care
about is cold, hard cash. They don't
care if you've just lost your job, your
spouse, or your health. Their job is to
bleed you of money, whichever way
they can. However, you can stop them
in their tracks by applying your
newfound knowledge and the law.

3. There are several tactics you can use
in standing up to a collection agency,
including saying the right words,
sending a detail letter, or quoting the
law. Listed below are some of the
strategies collection agencies will use
against you. I have also provided you
with ways to counter their abusive
tactics.

4. What are some of the collection agency
phone tactics?
They will use various tactics to try to
get you to pay your debt. Once they get
a judgment against you, they will keep
calling you to try to get personal
information to assist with their
enforcement. They will threaten to
criminally prosecute you for writing
bad checks. A collector may threaten
to take your home if the debt is not
paid. They will also assemble
information on you looking for a
weakness. They will say that you have
to deal with them and not the creditor.

5. How to Deal With a Collections Agency - How
can I respond to them?
You can respond by sending them a cease
and desist letter. Ask them whether you can
tape the call, which will force them to be
courteous. Let them know that you will be
contacting the original creditor about their
abusive tactics. Let them know that you will
consider legal action if they keep violating
the law. Let them know that you know your
rights, and if they violate them you will sue.
If they are trying to collect for a
professional, like a doctor or a CPA, threaten
to file a complaint against the professional.

6. Let them know you will complain to the FTC,
attorney general's of fice, state licensing
boards, and their collection organizations. If
the state statue of limitation has expired and
the collector tries to collect, let them know
that they are in violation of the FDCPA.

7. How to Deal With a Collections Agency - What if
it's a collection attorney?
The in-house collection agencies are not subject
to the Fair Debt Credit Practicing Act, so if you
send them a Cease and desist letter it has no
weight. The Federal Trade Commission Act
prohibits an unfair or deceptive trade practices.
If you feel that the creditor's collection agency
violated the FTC Act, you can seek sanctions.
Example of a violation, the collector calling your
job when you can't have personal phone calls.
You can also file a complaint with your local
attorney general's of fice and that should stop
the in-house collectors. Now, some state subject
the in-house collectors to the FDCPA so check
with your state laws.

8. As you can see there are many ways, you can
deal with an abusive collection agency.
Whenever a collector calls or writes you and
tries to use the strategies listed below, counter
them with your now-found knowledge. I
guarantee that if you employ the techniques
taught in this article. You will get the collectors
to back down. Now that you are empowered with
new information, go out there, and take action.

9. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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