3 Dangerous FDCPA (Fair Debt Collection Practices Act) Myths

Written by Steven Austin

Think you’ve gotrepparttar FDCPA (Fair Debt Collection Practices Act) figured out? Don’t be so sure. While nothing can takerepparttar 138077 place of a lawyer’s advice, if you’ve at least overcome these three dangerous myths aboutrepparttar 138078 law, you may save yourself a lot of money and heartache.

FDCPA Myth 3:repparttar 138079 Fair Debt Collection Practices Act isrepparttar 138080 only law governing collections

Fact: The FDCPA is a US federal law. Each state has additional laws that govern fair debt collection practices. Some portions of those laws may have been invalidated byrepparttar 138081 federal law. But, as a general rule, state laws are valid if they provide greater protections (or restrictions, depending on your point of view), and invalid if they allow debt collectors too much leeway. Meanwhile, other countries have their own laws, which may or may not apply ifrepparttar 138082 collector or debtor is currently located outsiderepparttar 138083 US.

Reality: it is important to keep in mind allrepparttar 138084 relevant state laws. Those state laws may includerepparttar 138085 laws of up to three or even more states:repparttar 138086 debtor’s current state of residence, business, and/or work;repparttar 138087 debt collector’s state; andrepparttar 138088 state of any outside collection agency. The multiplicity of laws is just one reason why lawyers are so often brought intorepparttar 138089 collections process, especially whenrepparttar 138090 amounts are large.

Debt collections that cross national borders are notoriously complicated, whether it’s a US collector seeking payment from a foreign national or vice versa. That’s just one reason that businesses that have a large customer base in another country will often open a branch office there.

FDCPA Myth 2: if a collector violates fair debt collection practices,repparttar 138091 debt is thrown out.

Fact: it’s true that unfair debt collection practices will likely costrepparttar 138092 collectorrepparttar 138093 judge’s sympathy ifrepparttar 138094 collections go to court. Butrepparttar 138095 Act does not say thatrepparttar 138096 debt itself will necessarily be invalidated.

It Can Happen To You

Written by Jane Langdon

The dot com business is alive and well for those wanting to pursue it. What if you don’t know how to use a computer? Can anyone have twenty successful businesses onrepparttar internet in four years? Six years ago Jane Langdon did not know how to turn on a computer. Today she has twenty successful internet businesses. You can too.

It all started because her favorite perfume was discontinued. Jane started to study chemistry and learnrepparttar 138050 internet so she could read everything written about perfumery. She bought a computer and taught herself how to use it. Finally she mixed a perfume. People began to ask her what she was wearing. So she started an internet business, House of Rose, with one rose perfume. Today she has more than 55 long lasting, non alcohol perfumes at www.houseofrose.com.

She then had a copy of a Chanel suit made by a seamstress for a trade show in New York City. So many people wanted to know where she got it, so she started her second business, Sew Beautiful By Natasha and Jane. They make custom couture suits, dresses, evening gowns, pageant and bridal attire at www.sew-beautiful.us.

The now famous poncho that Martha Stewart wore upon her release from Camp Cupcake can now be yours. Made for her as a going away gift from a fellow inmate, it has become known asrepparttar 138051 “Welcome Back” poncho. The woman who maderepparttar 138052 poncho, Xiomaro Hernandez, will get 10% ofrepparttar 138053 profits after her release from Alderson in 2008. The site is www.sew-beautiful.us/marthastewartponcho.

Want to browse unique fashion items onrepparttar 138054 internet? . A Passion for Fashion has lovely charms, blouses, shoes, handbags and more for sale. Each monthrepparttar 138055 items change so you will always berepparttar 138056 informed ofrepparttar 138057 newest delights at www.sew-beautiful.us/passionfashion

Soon some of her friends asked her to help them put up an internet site because they liked her businesses and wanted to start their own. After she helped them, she decided to offer her services to others and started Your Net Store www.sew-beautiful.us/yournetstore.

Her sister-in-law has Parkinson’s Disease and her biggest problem was taking her medications on time. She askedrepparttar 138058 doctor if there was a system to help her sister-in-law and he said no, but would gladly welcome one. Pill Proof at www.sew-beautiful.us/pillproof solvedrepparttar 138059 problem of medication compliance.

Jane had met her husband ten years ago through a personnel dating service and always felt they could be improved on. Friends said she had good advice about how to approach this new way to meet people. She decided to start a very selective marriage service that included questions to 101 important elements for a good match. See Hopeful Romantic at www.sew-beautiful.us/hopefulromantic.

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