Shining Spotlight on Racket of Debt Collection

[Sharing Lights]

This distinction between the United States and the states was taught in the homes and the schools and churches.

The early admiralty courts did not interpret legislation as broadly at that time because the people knew when the courts were overstepping their jurisdiction.

The people were in control because they knew who they were and where they were standing in relation to the United States.

The people controlled the Common Law Courts.

These Courts where the Supreme Courts of the Lands, Counties.

These where people Courts with trial by Jury.
No Judge or Bar Attorney could enter therein.

They where Barred.

The trial by an Admiralty Judge with a lackey jury was not tolerated.

In 1913 the United States added numerous private laws to its books that facilitated the increase of subjects and property for the United States.

Edward Mandell House is attributed with giving a very detailed outline of the plans to be implemented to enslave the American people.

Whether House actually spoke the words or not (1), is really irrelevant because the scenario detailed in the statement attributed to him has clearly been implemented.

Central banking for the United States controlled by the international Bankers was legislated with the Federal Reserve Act and to allow the striping of all property from the people by the abomination of usury and charging interest on money with no substance.

They could flood the country with currency of no substance to reduce the value of the money of substance.

They could create a bogus national debt to set the stage for the alleged bankruptcy and indenturing of We the People as chattel to this alleged debt.

The ability to decrease the currency in circulation was legislated with the 16th Amendment and to allegedly allow the Corporation to take wage taxes from We the People.

This taking of wages designed to make the people pay the interest (usury) on the bogus Federal Reserve Debt owed by the Defacto Corporate Untied States.

This Amendment never was legitimately passed to be applied against the people.

Yet, they continued this fraud even after the Supreme Court ruled that is was no new tax and that the 16th Amendment only provides a method of applying an excise tax on those commercial activities set forth in the Constitution to which it applied and that the 16th Amendment did not create a wage tax.

The Federal Reserve now had a fraudulent means to collect the interest from the people on a bogus usury debt created by them for their own Corporate United States.

They continued to force the people to pay the interest on the Corporation debt, by continuing to call it a wage tax in spit of the Supreme Court Ruling to the contrary.

None of this alleged income tax goes to pay the government bills.

All the collected taxes have to go directly to the Federal Reserve to pay this Usury on money that has no substance and Usury on a fraudulent debt, which never did anything for We the People, except to further enslave the people.

Our Founding Fathers knew full well the abomination of Usury and the economic bondage it would bring to the people and

barred the government formed by the Constitution from wage taxes.

In the Founder’s minds, Life’s Time exchanged for wages and the needs to sustain life, where Un-A-Lien-Able and where not to be taken by government.

Import taxes and excise taxes are adequate to pay the legitimate cost of government.

These two taxes where and are, the only taxes authorized by the people for the Republic.

The import tax also played another important role of preventing foreign slave labor produced goods, imported to America, from driving American businesses and Labor into economic disaster.

The Alleged United Nations Treaties, now supposedly in place, make it vary difficult to collect import tax.

That is just the way the rich men of the earth want it.

They do not want independent Americans with enough knowledge and wealth to challenge their rule and control of the people.

The League of Nations was also attempted during that time to bring the people back under the control of the International Bankers.

However, for a little while the people saw that ploy and managed to get that turned down at that time.

[Sharing Lights]

Support for the presumption that the American people had volunteered to participate in the United States democracy was legislated with the 17th Amendment.

This Amendment also caused the election of the Senators from the states to be elected as representatives of the dumbed down people instead of the States.

This weakened the strength of the checks and balance placed in the original Constitution where the States controlled the National Government instead of the Federal Government controlling the Sates as is now practiced by the Incorporated United States.

The path was provided for the control of the courts, with the creation of the American Bar Association (still under the British Bar).

In 1917 during World War I, the United States legislature passed the Trading with the Enemy Act and the Emergency War Powers Act, opening the doors for the United States to suspend limitations on the powers of government otherwise mandated in the Constitution.

On March 9, 1933 this war powers was extended to control We the People even in times of peace.

Every contrived and created emergency was sufficient authority for the Officers of the United States to overstep its peace time powers and implement volumes of law that would increase the coffers and control of the Corporate United States.

Do you know that, there is always a declared emergency in the United States?

Do you now that these international bankers have take away your God/Nature given Rights under the pretense of protection?

The Debt allegedly created to fight World War I, was really planned to be used latter to take We the people as Prisoners and Hostages.

The managers of United States Corporation silently amended this war powers act on March 9, 1933 to make us Prisoners of war and then transfer us to 14th Amendment Feudal Citizen status.

They then strip us of our God/Nature given Rights, gave us

legislated Civil Rights

which they could add to or remove by their vote and make us collateral for the Corporation debt to the Federal Reserve, another Corporation belonging to the rich men of the earth.

The public servants, now Public Officials working for the Federal Reserve System, then

tricked us into signing application document, without full disclosure that we where called Citizens of the Incorporated United States

and alleging that We the People where asking for alleged Licensed Privileges, benefits.

These documents are presumed adhesion contracts to bring the people under the Admiralty Jurisdiction.

They had turned the Government of the People, by the people and for the People, upside down to secretly create almost KING RULE.

In the 1920’s the States had accelerated the push for mothers to register their babies with their birth certificate becoming the title to the child’s ENTITY NAME, with all capital letters the name became an artificial entity.

This title was then alleged to be security for the alleged National Debt owned to the Federal Reserve System. Life was good and people were not paying attention to what was happening in government.

The stock market crashed and those who were not on the inside were not warned to take their money out before they lost everything.

In the 1930’s federal legislation provided for registration of babies through applications for birth certificates, cars through applications for certificates of title and land through deeds of trust.

Constructive trusts secretly were created by intent and deceit by the rich men, as each of the people blindly walked into the United States democracy thereby agreeing to be sureties for the United States’ debts.

The great depression supplied the diversion to keep the people’s attention off what government was doing.

The Social Security program, with it’s res identification number, (making the person into a thing, or a debt vessel,) was implemented.

This Act along with numerous other United States programs invited the American people to volunteer to be the sureties behind the United States’ new registered property and by adhesion contracts to be the Defacto United States subjects, changing the status of state citizens into surfs.
The alleged adhesion Contracts all had in their applications for licensed privileges, a statement that the applicant was a United States Citizen.

These invitations where hidden agreements to be a 14th Amendment Feudal Citizens or subjects of the Corporate United States, who became collateral to the Federal Reserve debt, without knowledge or intent.

[Sharing Lights]

The plan was well on its path by March 9 1933.

The Banking Relief (Bankruptcy of the People) Act with it’s Amendment of the Trading with the Enemy Act was the next vile, entrapping execution of the rich men’s plan.

This Act extended War Powers to be applied to the people in times of peace.

This Amendment allowed the Public Officials to retroactively make We the People into Prisoners of War and strip away all God given Rights.

Prisoners of War have no Rights.

These Prisoners of War where converted to 14th Amendment Feudal Citizens and to be collateral to the Federal Debt.

The prisoners where denied the Right to own Gold and the gold in their bank accounts was confiscated.

The people where robbed of their substance and made penniless and clueless as to what had happened to them, so that they could make no objection and have no defense.

However, there is no statue of limitations on fraud.

The titles to the prisoner’s real property was taken by the At-Torn-Eys for the king, Federal Reserve, owned by the richest bankers clans and kings in the city of Berkley, by changing the wording on deeds from “Warrantee Deed-Fee-Simple-Absolute, to Warrantee Deed-Fee-Simple-with Lien Covenants.

They just forgot to tell the people that the lien on their land was the Federal Debt, which was so big and getting bigger, to prevent the people from ever really owning their land and so they must forever pay a lease fee in the form of property tax.

The Corporate President, Roosevelt, issued a War Powers ultimatum to the states to Incorporate pr be invaded with the full might of the United States.

All Sates complied except Louisiana.

New York State became the State of New York,

as did all other States unless they had already been formed as a Corporation after 1871, the year of the U.S. Incorporation.

Next, in 1938, the Common Law Peoples Courts where set aside by the Landmark Corporation Supreme Court decision of Erie Railroad Vs. Tompkins.

Prior to that case, the Common Law dictated that if a party caused another party harm, even by accident, the act became an adhesion contract and the causing party had to make the damaged party whole.

There where hundreds of cases which had established that maxim of Law.

In this case, the Railroad hit Tompkins with a projection from a railroad car while he was rightfully walking down the public right of way along side the tracks.

Under the Common Law the Railroad must make Tompkins whole.

Without precedence, the Court ruled that “it was not in the best interest of the Public.”

They never revealed that the people where no longer considered the public.

The Federal Reserve had become the creditor of all things and held the people as chattel to the alleged national debt and therefore, IT had become the pubic.

The people has become indentured servants of the Corporate United States and the Federal Reserves.

Do you know that the Banking Relief (Bankruptcy) Act of March 9, 1933, We the people where res, or chattel and Debtors to the alleged creditor of the Bankruptcy?

The Federal Reserve now owned us and they owned the Railroad and its right of way.

The Federal Reserve was the creditor and was now the hidden Public.

It was not in the best interest of the Federal Reserve to make Tompkins whole, or to make any body else whole either.

Neither Tompkins, Nor We the Surfs, had any right to walk down the Federal Reserve's Rail Road right of way.

Therefore, from the Bankers point of view, the Common Law Court of Justice had to be hidden and set aside so the surfs could not get free or even know they where surfs.

These subjects could be kept happy with food and dumbing down entertainment and they would be good little PERSONS.

The Court also ruled, in that case, that there was “No Federal Common Law Court”, which set the stage to shut down the Common Law peoples court of Justice and to only recognize the Statutory, Admiralty Courts of Equity allegedly belonging to the Federal Reserve.

These Courts of Equity quickly spread to the counties of the Incorporated States.

This equity, the people and their things, allegedly belong to the Federal Reserve’s Stockholders in their private British country, Berkeley, in the City of London, England and the rich men of the earth.

This Defacto Court is controlled by the British Barred Officers of the Court who are sworn to never raise any precedent cases prior to 1938 or to reveal their true first contract to the Federal Reserve and keep the taking of the people as prisoners of war, a secret.

Massive registration of property through United States agencies was assuring the United States and its officers would get rich beyond their wildest expectations.

All of this was done without disclosure of the material facts that accompanied each application for registration – fraud.

[Sharing Lights]

The fraud was a sufficient reason to charge all the United States officers with treason, UNLESS a remedy could be supplied for the people to recoup their property and collect for the damages they suffered as a result of the fraud.

If a remedy were available and the people chose not to or failed to use their remedy, no charge of fraud could be sustained even in a common law court.

The United States only needed to provide the remedy.

It was not required to explain it or even tell the people where the remedy could be found.

The attorneys did not even have to be taught about the remedy and they are often still in ignorance.
That gave them plausible deniability.


The legislatures did not have to have the intricate details of the law explained to them regarding the bills they were passing.

That gave them plausible deniability.


If the people failed to use their remedy, the United States "Inc." came out the winner.

If the people did discover their remedy, the United States had to honor it and release the registered property back to the people, but only if the people knew they had a remedy and only if they requested it in the proper manner.

It was a great plan.

In 1933 the United States also put its insurance policy into place with House Joint Resolution 192 (2) and recorded it in the Congressional Record.

It was not required to be promulgated in the Federal Register.

HJR 192 provided that the one with the gold paid the bills.

HJR removed the requirement that the United States subjects and employees had to pay their debts with gold.

It actually prohibited the inclusion of a clause in all subsequent contracts that would require payment in gold.

It provided that the United States subjects and employees could use any type of instrument to discharge a public debt as long as it was in use in the normal course of business in the United States.

The Federal Reserve and the United States provided the medium of exchange through paper notes and debt instruments that could be passed on to a debtor’s creditors to discharge the debtor’s debts.

In the 1940s, the Rich Men of the world created the United Nation to create a one-world government, without the Natural Laws

The are gradually shifting the world rule to a one world church that will run and rule the one-world government and it’s army under what some may even call the anti-Christ.

The United President signed alleged treaties, which where allegedly Ratified by Congress, which restricts our ability to trade in a way favorable to the American people.

The imports from countries with slaver labor are so low in price that the factories and jobs of America have fled America leaving less and less jobs and profits for American companies and people.

The Surfs have little means to even get into the Courts and have no standing when they do.

The Constitution for the Republic is not, fully, recognized in the Admiralty Court.

[Sharing Lights]

Do you know that, Congress can Pass any Law What So Ever in the Federal Zones, irregardless if it exceeds the limits for the constitution?

This economic loss causes the standard of living to erode.

Both husbands and wives have to work to make ends meet.


The families are fractured by leaving children alone due to heavier and heavier work loads and pre-occupation with, drugs, sports and other media provided mind warping programming and entertainment.

The families are not nurturing, teaching their children, or living the Common Law, which causes more dumbing down and more and more social disorders and dysfunction of the next generation, which is, over time, destroying the strength of the family and the sovereignty of the Republic.

This move to commerce controlled by commercial Code, actuated and controlled under and by the new world order, one World Government under the alleged United Nations, also provided the rich men of the earth, the ability to consolidate their control over America and We the People into International law which they had long controlled.

They could now more easily use other nations against the people and compel performance if the people attempted to become economically free.

In the 1950’s the Uniform Commercial Code was presented to the Corporate States as a means of unifying the generally accepted procedures for handling the new legal system of dealing with fiction as though it were real.

Security instruments replaced contracts as collateral for debts.

Security instruments could be supported by presumptive contracts.

Debt instruments with collateral and accommodating parties could be used instead of money.

Real money was disappearing and a uniform system of laws had to be put in place to allow the courts to uphold the security instruments that depended on fiction as a basis for compelling payment or performance.

All this was accomplished by the mid-1960’s.

In addition to all of the above corruption, President after President issued executive orders under their role of commander and chief, which role was constrained to only effected the armed forces and the Officers of Government, which orders where designed to rule We the People.

The Corporation Congress finally combined all these orders, allegedly destroying the Peoples Rights, into the Federal Emergency Management Act (FEMA), which has allegedly been activated to place use under KINGS RULE.


The Patriot Act and The Home Land Security Act where allegedly passed by this Corporate, Military United States in violation of all Rights preserved by the Constitution of the united States Republic for the controlling the United States.

These Acts are just the hidden implementation of FEMA to take control of We the People by force and fear.

This is only possible because We the people have again been deceived into accepting this contrived emergency because of alleged foreign terrorist acts:
some real - some are orhcestrated, while, almost,
no one even mentioins the true terrorism by the Federal Reserve and the richest clans.

Since some acts did take place but some may have been
allowed to happen, that provided, almost, unopposed consolidation of power
by the Authorities, which could justify their acts.


These acts where in reality carried out by unconscionable acts of our alleged public servants in conjunction with foreign interests, or where caused because of unlawful acts by our alleged public servants against foreign nations in entangling alliances with puppets within those nations, which caused retaliation against We the People.

[Sharing Lights]

The commercial code described heretofore is merely a codification of accepted and required procedures all people engaged in commercial activities must follow.

The principles expressed in the code combine the means of dealing with substantive commercial activities with the means of dealing with

presumptive

commercial act.

These principles work as well for the people as they do for the deceivers.

The rules do not respect persons.

Learning how the Code works and how to properly move with the correct procedures are some of the fundamental keys to restore economic freedom.

The information herein is not complete or enough by it’s self to save Liberty.

However, it is a good foundation to start learning the facts of the whole case and start to understand the problem to begin practicing the procedures that need to be mastered to get out of the usurious Babylon and let Liberty start to breath again.

The deceivers, who enticed the people to register their things with the United States and its sub-divisions, gained control of the substance through the registrations.

The definition of “property” is the interest one has in a thing.

The thing is the principal.

The property is the interest in the thing.

Profits made from the property (interest) of another belong to the owner of the thing.

Profits were made by the deceivers, by pledging the registered property, but the profits do not belong to the deceivers.

The profits belong to the owner of the thing.

The profits from all the registered things had to be put into trust (constructive) for the benefit of the owner.

If the profits were put into the general fund of the United States and not into trust for the owner, the scheme would represent fraud and

the profits for each owner could not be commingled.

If the owner failed to use his available remedy to benefit from the profits, it would not be the fault of the deceivers.

If the owner failed to learn the law that would open the door to his remedy, it would not be the fault of the deceivers.

The owner is responsible for learning the law, so he understands the profits from his things are available for him to discharge debts or charges brought against his public person by the United States.

If the United States has the “gold”, the United States pays the bills (from the trust fund).

The definition of “fund” is money set aside to pay a debt.

The fund is there to discharge the public debts, attributed to the United States subjects, but ultimately back to the accommodating parties – the American people.

The national debt that is owed is to the owners of the registered things – the American people.

If the United States owes a debt to the owner of the things and the owner is presumed (by accommodation) to owe a public debt to the United States,

The way for the United States to get around having to pay the public debts for the people is to claim the owner cannot be an owner if he agreed to be the accommodating party for a debtor person.

If the owner admits by his actions that he is an accommodating party, he has taken on the debtor’s liabilities without getting consideration in exchange.

Debtors may have the use of certain things, but the things belong to the creditors.

The creditor is the master.

The debtor is the servant.

The Uniform Commercial Code is very specific about the duties and responsibilities a debtor has.

If the owner of the thing is presumed to be a debtor because of his

previous admissions and adhesion contracts,

he is going to have a difficult time convincing the United States that it has a duty to discharge public debts for him.

In addition, the courts are staffed with loyal judges who will look for every mistake the people make when trying to use their remedy.

The owner, after learning the law and discovering who he is in relation to the United States, can file a UCC Financing Statement and Security Agreement registering his interest in the artificial entity (PERSON) the United States created after Mom applied for a birth certificate.


That was the act of registering her biological property, her baby, with the State.

[Sharing Lights]

Until your Financing Statement is filed, the United States is the holder of the title to the artificial entity.

Its name is spelled in all capital letters – JOHN HENRY DOE.

When John Henry Doe files the Financing Statement, he becomes the holder in due course of the title to JOHN.

The artificial entity JOHN becomes John Henry Doe’s PERSON.

The UCC is very specific about the effect of a registered security interest.
It has priority over most other interest in the same thing.

The owner also must notify the Secretary of the
Treasury that he is going to handle his own affairs in the future.

He can file a Bill of Exchange with the Secretary through which he exchanges his person’s accepted for value birth certificate and social security numbers, for a charge back of all the presumed charges brought against his person.

Do you know that the birth certificate was issued?

The owner can also reserve a non-cash Federal Reserve routing number and any number of non-cash instrument numbers by filing an amendment to his Financing Statement or just including his reservation on his original Financing Statement.

Each bank account opened in the name of the owner’s person has a routing number.

If an account is open, it is available to process cash items.

If you right a check to the plumber, it can be converted to cash at your bank.


You cannot write a check on an account that has been closed.

Those accounts and their routing numbers are reserved for non-cash items.

The owner of registered things, who has learned the law and what his rights are and has filed his Financing Statement and Bill of Exchange and reserved his non-cash account routing numbers, can issue an instrument indicating his UCC registration number, his registered Federal Reserve routing number, the name of the public party making a charge against his person and the amount of the debt to be discharge.

Think of the whole transaction in relation to a dead battery.

The batter represents your public person (JOHN) which is a dead entity that can function within the public maize of fiction, transmitting benefits from the public to you in the private IF it is charged up.

You cannot go into the public because you are not a fiction.

JOHN has no power until it is charged with some energy.


That energy comes from an IRS default notice, court judgment, credit card bill, utility bill, or some other instrument that has a $ amount and JOHN’s name on it as the debtor.

The bill is the energy. It charges the dead JOHN.

You can now discharge JOHN and put JOHN’s accrual account with the charging party back to a zero balance.


You as the secured party over the assets pledged by JOHN to you as collateral for the debt JOHN owes you, can discharge JOHN with a negotiable instrument for the same $ amount as the charging instrument.

The charging party that received your non-cash item can,

1) process it through the Secretary of Transportation,

2) give it to a third party,

3) keep it to increase its liquidity.

When you, as the owner of a thing, registered it with the United States or one of its subdivisions, you let the United States hold the legal title to your thing based on misrepresentation and failure to disclose material facts to you at the time of registration.

You probably retained possession of the thing.

The United States invested the title and made a profit.

If you did not specifically authorize the United States and its agents to invest the legal title, the profits made from that title belong to you, because as the owner, you remain the equitable titleholder.

Legally all the profits from the investment of the titles to all your registered things must go into a fund for your benefit.
If they did not, it would be fraud.

Just acquiring the titles through what is promoted, as mandatory registration, is fraud.

If the scenario attributed to Mandell House is now in full application in the United States, which it is, the officers of the United States could be charged and convicted with treason IF they had not provided a remedy, which they did, -- House Joint Resolution 192.

This is their insurance policy to assure they are not convicted of treason.

That does not mean they cannot be charged with treason, but the courts will dismiss based on failure to state a claim upon which relief can be granted.

Because you have a remedy outside the court, you cannot sustain a charge of treason.

The problem in the past with trying to discharge public debts with instruments that could not be processed through your bank on the corner, was that your discharge instruments did not route through the Federal Reserve.
It is the bean counter for the national debt.

That debt is first and primarily owed to the people who are the equitable titleholders of all the substance in this country.

If you try to discharge a public debt with your discharge instrument and you do not route it through the Federal Reserve, you are receiving a benefit from the United States without exchanging it for something of value.

This exchange must be recorded on their books or red flags go up and problems begin.

If you route your discharge instrument through the Federal Reserve, where the national debt owed to you can be reduced by the amount of the instrument, you have made an equal exchange.

Your PERSON’s debt to the charging party within the United States commercial scheme is reduced and the debt the United States owes to you is reduced by the same amount.

That is a quid pro quo and everyone is happy, EXCEPT those who, just, want to be in control from behind the scenes.

[Sharing Lights]

Minnesota Companies Charged with Securities Fraud




September 28, 2006

• Minnesota Companies Charged with Securities Fraud
• NASD Warns Of New Investment Scam
• Investment Firm Sold Millions in Unregistered Securities •
• NY Seniors to Recover Funds Lost in Investment Scam
---
• Scam Alerts


Minnesota Attorney General Mike Hatch has filed suit against Investment Properties of Minnesota ("IPM") and a number of related parties charging that they defrauded Minnesotans out of millions of dollars.

IPM and its affiliates,

J & J Investment Properties of Minnesota, LLC ("J & J") and Amerifunding Group, LLC,

conducted a number of seminars and sales presentations in Plymouth and Brooklyn Park in 2005.

Seminar attendees were encouraged to invest in real estate and were told that money they invested with the promoters would be pooled together to "buy dirt."

The promoters all but guaranteed investors a 30% rate of return. First time investors were lured into the scheme by the promise of a $25 million dollar insurance policy protecting their principal.

Minnesota investors lent at least $3.5 million to IPM and its affiliates.

Unfortunately, the promoters did not make the investments they promised and have defaulted on the loans. Investors have been unable to obtain a copy of any insurance policy protecting their investments.

"IPM devised an investment scheme that took Minnesotans for millions of dollars.

This office will try to help the victims of this scam obtain relief by freezing the assets of the defendants and seeking the appointment of a receiver to identify and attach defendants? assets so there is a chance for investors to recover at least some of the money they lost" said Hatch.

"I am also urging federal law enforcement authorities to take criminal action against IPM to bring the company and its principals to justice," added Hatch.

The state does not believe that IPM invested in real estate or any other legitimate investment.

It appears that the promoters invested at least some of the borrowed funds in a get-rich scheme promoted by Travis Correll and his affiliates out of Atlanta, Georgia.

The U.S. Securities and Exchange Commission has brought criminal charges against Correll and his affiliates, charging them with defrauding investors nationwide through a sophisticated Ponzi-scheme.

[Sharing Lights]

Even though, there is much more protection for Consumers, once real laws are uncovered,
these
are some of typical questions/answers:



The law prohibits creditors from using abusive or deceptive tactics to
collect a debt.

The law, however, also grants powerful collection tools to
creditors once they have won a lawsuit over the debt.

Here are six
frequently asked questions and answers about debt collectors.

1. Collection agencies have been calling me all hours of the day and
night.
How can I get them to stop contacting me?

2. I'm also getting calls and letters from the collections department of
a local merchant I did business with.
Can I tell that collector to
stop contacting me?

3. I just got a form collection letter with a lawyer's mechanically
reproduced signature on it.
Is this a legitimate collection technique?

4. A bill collector insisted that I wire the money I owe through Western
Union. Am I required to do so?

5. I've moved a lot and recently heard from a collector on a bill that's
almost three years old.
How did the collector find me?

6. Can a collection agency add interest to my debt?

1. Collection agencies have been calling me all hours of the day and night.

How can I get them to stop contacting me?

It's against the law for a bill collector who works for a collection agency

(as opposed to working in the collections department of the creditor
itself)

to call you before 8 am or after 9 pm.

The law, the Fair Debt
Collection Practices Act (FDCPA), also bars collectors from calling you
at work, harassing you, using abusive language, making false
or misleading statements, adding unauthorized charges and many other practices.

Under the
FDCPA, you have the right to demand that the collection agency stop
contacting you, except to tell you that collection efforts have ended or
that the creditor or collection agency will sue you.

You must put your
request in writing.

2. I'm also getting calls and letters from the collections department of a
local merchant I did business with.

Can I tell that collector to stop
contacting me?

No, the FDCPA (Fair Debt Collection Practices Act) applies only to bill
collectors who work for collection agencies.

Several states, including

California, Florida, Louisiana, Maryland, Massachusetts, Michigan, Oregon,
Texas and Wisconsin,

have laws which bar all debt collectors--both working
for a collection agency and working for the creditor itself--from
harassing, abusing or threatening you or making any false or misleading
statement.

These state laws, however, don't give you the right to demand
that the collector stop contacting you.

There is one exception:

Residents
of New York City can use a local consumer protection law
(Rules of the City
of New York sec. 5-77(b)(4)) to write any bill collector and say "Stop!"


(SL: When you know that your, alleged debt is past
SOL (Statue of Limitations)
do not reply in writing or over the phone, as some debt collectors, being mutants they are,
may use your replies as a way to open up a new case.

If you pick up the phone, then do not give them your name or admit anything.

Be firm and get their data only.

If they interrupt, interrupt them back and continue demanding them giving answers
to your questions:

Their name, (get the exact spelling)
title,
physical address.
Log on the data.

Be firm, be firm, as mutants understand no manners.


Simply, report the mutants to the FTC, Attorney general, Consumer Bureaus,
and the Better Business Bureau (BBB.))

3. I just got a form collection letter with a lawyer's mechanically
reproduced signature on it.

Is this a legitimate collection technique?

Perhaps not.
(SL:
Note the answer "perhaps."
Such answer means that the Consumers' regulations
are, either, not clearly defined or not state properly.

I maintain the belief that law must be clear and precise
without any words as "perhaps," "maybe," and "theoretically.

To me such answers, remind me of an answer
to a question on pregnancy.

"Slightly pregnant!"

So, is the woman in question pregnant or not?)

Under the FDCPA (Fair Debt Collection Practices Act),
a lawyer must review each individual collection case before putting his
or her name on a collection letter.


The lawyer can't simply authorize that a form
letter be sent and then let the bill collector send it, with the lawyer's
signature, if the lawyer hasn't reviewed the particular debtor's file.

To put a stop to it, you may be able to sue the lawyer for up to $1,000
in small claims court for violating the FDCPA.

4. A bill collector insisted that I wire the money
I owe through Western Union.

Am I required to do so?

No, and it could add a lot to your debt if you did.

Many collectors,
especially when a debt is more than 90-days past due, will suggest several
"urgency payment" options, including:

* Sending money by express or overnight mail--this will add at least $10
to your bill; a first class stamp is fine.
* Wiring money through Western Union's Quick Collect or American
Express' Moneygram. Another $10 waste.
* Putting your payment on a credit card not at its maximum. You'll never
get out of debt if you do this.

5. I've moved a lot and recently heard from a collector on a bill that's
almost three years old.
How did the collector find me?

In this technological age, it's easy to run but harder to hide.

Collectors
use the following primary resources to find debtors:

* relatives, friends, neighbors and employers--collectors pose as
long-lost friends to get these people to reveal your new whereabouts
* post office change of address forms
* state motor vehicle registration information
* voter registration records
* a former landlord
* banks

6. Can a collection agency add interest to my debt?

Not unless it was called for in your original agreement or allowed
under your state's law.

Many states do authorize the collection of such interest.

In California, for example, by laws employed in Courts, collection agencies can add interest because
the Civil Code (sec. 3289(b)) permits a creditor to charge interest after
default, even if the contract is silent.

SL: In reality, once you truly learn your rights,
you would discover that debt collection the way it is run,
currently, is a fraud by itself.

So, please, realize that, there are

We cover both.
Please be vigilant to discern.