What is problem in board room? What is so wrong that leading business experts have issued such broad condemnations of way that boards function over several decades?

Carver says, "The problem is not that a group or an individual occasionally slips into poor practice, but that intelligent, caring individuals regularly exhibit procedures of governance that are so deeply flawed. On a regular basis, major program issues go unresolved while boards spend enormous amounts of time and energy on details that do not impact central issues."

For instance, a national survey a decade or so ago found that almost half of America's school boards made purchasing decisions for tape recorders, cameras, and television sets. Nothing against school boards in particular, but point is that those who are charged with responsibility for strategic position of an organization are ordinarily mired in administrative details, with no time or vision for strategic concerns. The strategic position and decisions necessary to advance that position cannot even be seen from field of such administrative minutia.

This series of articles will point to ordinary situations that suggest board or directors ineptitude, and need to discuss Carver's insights and proposed solutions to many of common problems that negatively impact economic development of businesses, institutions and governments. Could it be that businesses, institutions and governments are crippled by their organizational structures? Carver believes that they are, and proposes a practical solution.

False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

• falsely imply that they are attorneys or government representatives;
• falsely imply that you have committed a crime;
• falsely represent that they operate or work for a credit bureau;
• misrepresent amount of your debt;
• indicate that papers being sent to you are legal forms when they are not; or
• indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:

• you will be arrested if you do not pay your debt;
• they will seize, garnish, attach, or sell your property or wages, unless collection agency or creditor intends to do so, and it is legal to do so; or
• actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

Debt collectors may not:

• give false credit information about you to anyone, including a credit bureau;
• send you anything that looks like an official document from a court or government agency when it is not; or
• use a false name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

• collect any amount greater than your debt, unless your state law permits such a charge;
• deposit a post-dated check prematurely;
• use deception to make you accept collect calls or pay for telegrams;
• take or threaten to take your property unless this can be done legally; or
• contact you by postcard.

What control do you have over payment of debts?

If you owe more than one debt, any payment you make must be applied to debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.

What can you do if you believe a debt collector violated law?

You have right to sue a collector in a state or federal court within one year from date law was violated. If you win, you may recover money for damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of collector's net worth, whichever is less.

Where can you report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General's office and Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General's office can help you determine your rights.

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