|
|
|
10 Cons Of An International Credit Card
Credit card fraud is a fast increasing crime in the world.
International Credit Card holders are mostly the victims of this
unauthorized access to their accounts. Let's take a closer look
of the problems faced by international credit cards.
...
Homegrown Terrorists Spook the Stock Market
The negative, and at times scary news seems to be coming hitting the stock market from all corners of our world. Just as the headlines from the geopolitical realm let up, the glare of terrorism raises its ugly head again. This time with a twist that...
How To Know if You're Buying the Best House
Buy the Best House in the Market
Buying a house marks a new beginning. How do you know that
you're getting your dream house and not straining your credit
limit?
Get yourself a "pre-approved" certificate from a lender. This
certificate...
Identity Theft: The New Technology Crime
Identity Theft in the Western World has increased dramatically since the beginning of the millennium and has replaced credit card fraud as the new number one technology crime.
What It Is.
Identity Theft is when someone steals (uses) someone...
Managing Finances for a Better Credit Rating
In the world of finances it is all about managing debt to maximize one’s buying power. Since a consumer’s credit score has a direct correlation on any financing or loan authorization, reviewing the accuracy of a credit report is a consumer savvy....
Marketing: Are You Scaring Customers Away?
Here's a story about a telemarketer who does everything wrong, and what we can all learn from his bad example...
"Hello, is (pause) puh-TREE-shuh home?"
So started my weekend lesson in marketing. It was Saturday afternoon, and...
Real Estate Agent or Broker
Real estate experts go by a few different names, although the
distinction shouldn't matter for you as a first time home buyer.
Important is to make certain the broker or agent you chouse is a
licensed real estate professional. All real estate...
Website Promotion – Where to Get Ideas for Writing Articles
Some six weeks ago, I began writing and submitting articles to free content sites in order to promote the six commercial Websites I own. The results have been both swift and dramatic, and the number of links from external Websites to my own...
Why Does FACTA Matter to Me?
As an employer, what you don’t know about FACTA can definitely hurt you. FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year. The law went into effect Jan....
Why Over 90% of VoIP (Computer Phone) Services Are Vulnerable to Attack
Vulnerable to Attack
By Dee Scrip
© All rights reserved. Dee Scrip
You are in the crosshairs as a primary target of computer hackers if you own a computer or operate on un-secure VoIP (computer phone) services.
...
|
|
| |
|
|
|
|
|
|
Small Business Debt Collection Law Cheat Sheet
In your small business debt collection laws will eventually become important, as your debt grows and some clients do not pay.
To collect small business debts legally, you must first send a written notice that collections have begun, within five days of first contacting the debtor for collections (for instance, within five days of calling on the telephone). The letter must include dispute instructions.
Small Business Debt Collection Laws Forbidden Practices
* Collect any amount beyond the actual debt, unless you really can do so legally.
* Continue collections on a debt if the debtor has disputed the debt, unless you provide the debtor with written proof.
* Continue contacting the debtor if within 30 days of first contact, the debtor disputes the debt.
* Credit a payment the debtor has made to a non-disputed debt to a debt the debtor has disputed.
* Deposit a post-dated check before the post-date.
Small Business Debt Collections Laws: What You Can't Say
* Give a false name.
* You are an attorney or government representative, if you are not.
* You have an attorney working for you or that you are going to assign the case to an attorney, if you really do not.
* The debtor has committed a crime, unless you are 100% sure they have.
* You work for a credit bureau, if you really do not.
* The debt is more or less money than it actually is.
* You are sending or have sent legal forms when you really did not.
* You are sending or have sent papers that are not legal forms, if they really are legal forms.
* The debtor will be arrested--no one is arrested for nonpayment of debts anymore.
* You will seize, garnish, attach, or sell the
debtor's property or wages, if you do not really intend to or cannot legally do so (and unless the debt is secured with collateral, you probably cannot).
* You will sue or take other legal action, if you do not really intend to, or are not legally able to do so.
Small Business Debt Collection Laws Forbidden Third-Party Disclosures
Never:
* Give any credit-related information that is not 100% accurate.
* Tell anyone other than the debtor that you are collecting a debt.
* Telephone any number other than the debtor's more than once.
Small Business Debt Collection Phone Calls
Never:
* Call after 9 pm or before 8 am.
* Forget to give your name and your company's name.
* Call repeatedly or in a way intended to annoy.
* Make a collect call.
* Make any threats.
* Use profane or obscene language.
* Leave a message that reveals this is a debt collection.
Small Business Debt Collection Mailing
Never send:
* Postcards.
* Envelopes or mailings with any reference to debt collection on the exterior.
* Anything that looks like an official, legal, or government document, if it is not.
Please note this page is not intended to give legal advice and may not be complete or up to date with the most current collection laws changes.
About the Author
Joel Walsh has written more tips on debt collection law: http://www.debt-collection-laws.com/?%20debt%20collection%20law
[Publish this article on your website! Requirement: make live link for above URL/web address with link text/anchor text: "debt collection law" OR leave this bracketed message intact.]
|
|
|
|
|
|