The way you counteract this technique is to ALWAYS pay necessities first, and then ______ set the order of payment.
What is you
100
No collector or creditor may confiscate a _______ account or garnishee ______ without proper and lengthy court action.
What is bank wages
100
In court, if the debt is valid, even if you fight, you will lose. From that date you will have ______ days before the judgement becomes final.
What is several
100
If the credit bureau does not prove the accuracy of the amount within 30 days you should request they remove the _____ account from your file.
What is entire
200
A collectors job is not to help your overall situation but to get _____ money only.
What is 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 8am 9pm
200
Do not let a collector use your credit report as a _____ club.
What is paper
200
If you are not able to reach agreement , you can file with the court a _____ motion also called a paupers oath in some states.
What is Slow Pay
200
The Federal Trade Commission and the State Consumer Affairs division are where _____ should be lodged.
What is complaints
300
Collecotrs are trained ____ ____ or _____.
What is sales people, telemarketors
300
The Act also allows you to demand a creditor cease calling you at ______.
What is work
300
When you are unable to pay the minimum payuments, 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 7, 10
400
They are typicallly low-paid postitioins with high ____.
What is turn over
400
The Act even allows you to insist a creditor stop ALL contact _____ to notify you to lawsuit proceedings.
What is except
400
Typically lawsuits for under _______ are sued in General Sessions Court which is fairly informal proceeding.
What is $5000
400
Beware of credit clean up scams. The only information which may be legally removed from a credit report is _____ information.
What is inaccurate
500
They are taught in their training to evoke strong _____.
What is emotion
500
Do not use a cease and desist letter except in ______ situations.
What is horrible
500
Dofore you are sued, you will be served byu the local sheriffs department and given typically ________ days notice on the court date.
What is 10
500
You should request that inquiries be removed also. All of these letters should be sent ____ mail return receipt requested to prove when they receive the letter.