The way you counteract this technique is to always pay necessities first, and then _____ set the order payment
What is you
100
No collector or creditor may confiscate a ______ account or garnishee ______ without proper and lengthy court action
What is bank and wages
100
In court, if the debt is valid, even if you fight, you will lose. Form that date you will have _______ days before the judgement becomes final and garnishment or attachments begin.
What is several
100
You should check you credit report every ____ to _____ years
What is 1 to 2
200
A collectors job is not to help your overall situation but to get _____ money only
What is money
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 and 9pm
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 thew court a "________ motion" also called a paupers oath in some states
What is slow pay
200
An updated version of the Federal Fair Credit requires a credit bureau to remove all _________ with 30 days of notification such inaccuracies
What is inaccuracies
300
Collectors are trained_____ _____ or ______
What is sales people or marketers
300
The Act also allows you to demand a creditor cease calling you at _____. You should request this in writing by certified mail return receipt requested.
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 7 and 10
300
You should request that inquires be removed also. All of the letters should be sent _______ mail return receipt requested to prove when they receive the letter
What is certified
400
They are typically low paid positions with high _______
What is turnover
400
The Act evens allows you to demand a creditor stop all contact ______ to notify you of lawsuit proceedings
What is except
400
Typically lawsuits for under_______ are sued in General Sessions Court which is fairly informal proceeding
What is $10000
400
Beware of credit clean up scams. The only information which may be legally removed form a credit report is ______ information
What is inaccurate
400
If the credit bureau does not prove the accuracy of the amount withing 30 days you should request they remove the _______ account from your file
What is entire
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 because all negotiations stop any hope of a positive resolution is lost
What is 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
500
Over ______ of the credit bureau reports have errors.
What is 50%
500
The Federal Trade Commission and the State Consumer Affairs division are where ______ should be lodged