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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Then bad month comes up, refrigerator goes out, toilet over runs etc. Well even though you might have paid cash for these items, one thing you forgot to pay was credit card bill!

Oh my, it was due on 10th of month, and you did not send off payment till 8th of that month! Woops, payment arrived on 11th.

To your dismay your next month credit card bill no longer has 0% interest; it has jumped to 18.9% or worse, just for being that one day late.

What I am trying to say here is that credit cards not only put your in a financial strain, but all so cause you health problems as stress of being in debt has now gotten to you.

Bad things happen to good people. We don’t intend for this to happen but it does, and sometimes out of our control.

Credit cards can be used for anything these days, and sometimes what life deals us gives us no choice but to use one if we have it. Even for hospital bills, medicines, food and what ever else we need to survive.

I know this for a fact! I am a person due to some very unfortunate circumstances find myself in this position, and it was not planned!

This is why I decided to sit down and write this article, to try to help get word out that credit cards are bad for you financially and health wise.

It does not matter what walk of life you are from, what color you are, where you live, etc., more and more people are filling for bankruptcy everyday, due to having problems with credit cards.

Even worse yet people are loosing there homes and possessions cause they cannot pay there credit card bills. Please don’t get caught up with this disease, due it for you and your family.

If you would like to read more about my history with credit cards, I have set up a cheap little website to better tell you my story.