The way you counteract this technique is to ALWAYS pay necessities first, and then _____ set the order of payment
YOU
100
No collector or creditor may confiscate a _____ account or garnish _____ without proper and lengthy court action.
bank and wages
100
In court, if the debt is valid, even if you fight, you will lose. From what date you will have _____ days before the judgement becomes final and garnishment and attachments begin.
What is several days
100
A updated versions of the Federal Fair Credit Reporting Act requires a credit bureau to remove all _______ with 30 days of notification of such inaccuracies.
What is innacuracies
200
A collectors job is not to help your overall situation but to get ___ money only.
your
200
The Federal Fair Debt Collection Practices Act states that harassment is illegal, and that includes restricting a collectors calls between the hours of ___ and ____
What is 8 a.m. and 9 p.m.
200
Do not let a collector use your credit report as a ______ club.
What is paper
200
At any time during the process you may settle with the creditor or their attorney in writing. If you are not able to reach agreement, you can file with the court a "___-___ motion," also called a paupers oath in som states.
What is slow pay
200
you should request that inquiries be removed also. All of these letters should be sent _____ mail return receipt requested to prove whn they receive the letter.
What is certified
300
Collectors are trained _____ _____ or ______
sales people, and telemarketers
300
The Act also allow you to demand a creditor cease calling you at ____.
What is Work
300
When you are unable to pay the minimum payments, use the ___-___ plan
What is pro-rata
300
All information is removed that is ____ years old except Chapter 7 bankruptcy which stays on ____ years.
What is ten years
300
If the credit bureau does not prove the accuracy of the amount within 30 days you should request they remove _____ account from your file.
What is entire
400
They are typically low-paid positions with high _____
Turnovers
400
The Act even allows you to insist a creditor stop ALL contact _____ to notify you of lawsuit proceedings.
except
400
Typically lawsuits for under $__,___ are sued in Genereal Sessions Court which is a fairly informal proceeding.
What is $10,000
400
Beware of credit clean up scams. The only information which may be legally removed from a credit report is _____ information.
What is innacurate
400
The Federal Trade Commission and the State Consumer Affairs division are where ______ should be lodged.
What is complaints
500
They are taught in their training to evoke strong _____
What is emotions
500
Do not use a cease and desist letter except in _______ situations because all negotiations stop and any hope of a positive resolution is lost.
horrible
500
Before you are sued, you will be served by the local sheriffs department and given typically _ days notice on the court date
What is 10 days
500
Over ___5 of the credit bureau reports have errors. You should check your credit report ever _-_ years.