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Credit Advocates Law Firm
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Debt collectors employ any means available when they are looking to recover debts. They can cross the lines in how they deal with consumers and to battle this, the Fair Debt Collection Practices Act was passed. When it comes to creditor harassment you are not without options. Countless individuals find themselves in the position where they are daily harassed by creditors and collectors. Legislation has even been passed to battle this widespread issue.http://www.hg.org/article.asp?id=26088
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Scammed Debit Settlement  and Law Firms

-FILE A COMPLAINT WITH ATTORNEY GENERAL OFFICE AND FEDERAL TRADE COMMISSION

IT ILLEGAL FOR LAW FIRMS or debt settlement COMPANIES TO CHARGE MONEY UNTIL SETTLEMENT IS MADE with CREDITOR. ( against law in All States )


NO- UP FRONT FEES

PLEASE READ LINK BELOW

http://www.ftc.gov/bcp/edu/pubs/business/marketing/bus72.pdf .

The Federal Trade Commission (FTC), the nation's consumer protection agency, has amended the Telemarketing Sales Rule (TSR) to add specific provisions to curb deceptive and abusive practices associated with debt relief services. One key change is that many more businesses will now be subject to the TSR. Debt relief companies that use telemarketing to contact potential customers or hire someone to call people on their behalf have always been covered by the TSR. The new Rule expands the scope to cover not only outbound calls -- calls you place to potential customers -- but in-bound calls as well -- calls they place to you in response to advertisements and other solicitations. If your business is involved in debt relief services, here are three key principles of the new Rule:

●●It's illegal to charge upfront fees. You can't collect any fees from a customer before you have settled or otherwise resolved the consumer's debts. If you renegotiate a customer's debts one after the other, you can collect a fee for each debt you've renegotiated, but you can't front-load payments. You can require customers to set aside money in a dedicated account for your fees and for payments to creditors and debt collectors, but the new Rule places restrictions on those accounts to make sure customers are protected.

●●You have to disclose certain information before signing people up for your services. Before people sign up, you must disclose fundamental aspects of your services, including how long it will take for them to get results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts, if you use them.


●You can't misrepresent your services. The new Rule prohibits you from making false or unsubstantiated claims about your services

WHO'S COVERED BY THE NEW RULE
The new Rule applies to for-profit sellers of debt relief services and telemarketers for debt relief companies. The new Rule defines a "debt relief service" as a program that claims directly, or implies, that it can renegotiate, settle, or in some way change the terms of a person's debt to an unsecured creditor or debt collector. That includes reducing the balance, interest rates or fees a person owes. The TSR defines "telemarketing" as a "plan, program, or campaign . . . to induce the purchase of goods or services" involving more than one interstate telephone call. Most of the provisions of the TSR apply to sellers and telemarketers, so the terms "company" and "provider" in this Guide refer to both. In addition, certain parts of the Rule apply to those who provide substantial assistance or support to sellers or telemarketers.

Some examples of debt relief services include:
►Calls to you in response to advertising -- consumer calls in response to TV or radio commercials; infomercials; home shopping programs; ads in magazines, newspapers or the phone book; online ads; billboards; or ads in other media .


►►Calls to you in response to most direct mail promotions
-- consumer calls in response to postcards, flyers, door hangers, brochures, "certificates," letters, email, faxes, etc., urging people to call about debt relief services.

1. How much your service costs and other important terms. Before someone signs up for your service, you must disclose all fees. If you charge a specific dollar amount, you must disclose that amount. If you charge a percentage of the amount a customer would save as a result of your program, you have to disclose both the percentage and the estimated dollar amount it represents for that customer. In addition, before someone signs up, you must disclose any material restrictions, limitations, or conditions on your services. If the sales presentation includes a statement about your company's refund policy, you must also include a clear and conspicuous disclosure of all terms and conditions of the policy. If you don't give refunds, the Rule requires you to tell people that before they sign up

FILE A COMPLAINT WITH FEDERAL TRADE COMMISSION

http://www.ftc.gov/ftc/complaint.shtm

ALSO FILE A COMPLAINT ON YOU ATTORNEY GENERAL OFFICE ONLINE and the American Bar Association www.americanbar.org/

PLEASE HELP AND CLOSE THESE DECEPTIVE LAW FIRMS DOWN AND DEBT SETTLEMENT 
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Taxpayer Advocate Olson Leads Frustrated Filers Through IRS Maze http://bloom.bg/HjypDJ
Micah Andrews opened his first notice from the Internal Revenue Service a week before Christmas in 2010. He was standing in the kitchen of the house in the Atlanta suburbs that he and his wife had bou...
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Don't believe the myths! Check out this article to set your credit score facts straight!
http://www.huffingtonpost.com/laura-adams/7-final-lies-about-credit_b_1385121.html
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Read why #credit scores are important and why protecting them saves money in the long run:
http://www.businessinsider.com/a-high-credit-score-means-more-savings-2012-3
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Applications for #unemployment benefits see lowest numbers since April 2008.
http://tinyurl.com/7lnbwa2
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Have them in circles
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Most people think that if a business goes bankrupt it must have had too much debt. But debt doesn't necessarily kill companies, poor cash flow does. Here's what I mean:
http://www.wausaudailyherald.com/article/20120408/CWS03/204080479/Bushkie-Column-s-not-going-debt-kills-you
Most people think that if a business goes bankrupt it must have had too much debt. But debt doesn't necessarily kill companies, poor cash flow does. Here's what I mean:
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Debt Collectors With a Financial Agenda http://buswk.co/I93QKK
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Did you know April marks the beginning of Financial Literacy Month? Why not start the month off strong by finalizing that budget or expenses chart you've been working on...
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TIP: Remember that #creditors are different than collection agencies and operate under different rules and regulations. If you have any questions about creditors, collection agencies, or your rights under the #FDCPA, please call Credit Advocates Law Firm today: (888)-298-7444.
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If you feel bogged down by debt, starting fresh financially may be the help you need to finally breath again.
http://creditadvocateslawfirm.blogspot.com/
Credit Cards—everyone has one and everyone has found themselves wishing they didn't. Then comes credit card debt and while no one wants it; most everyone has it. It can seem like there is no way o...
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Have them in circles
254 people
Alternative Merchantprocessing's profile photo
ラーメン らーめん 迷面食 麺食大好き Ramen Noodle lover's profile photo
Knowify's profile photo
Mike Walker Law's profile photo
Murk Mangi's profile photo
Floyd tAPIA's profile photo
Michelle Dunn's profile photo
Jeet Parekh's profile photo
Manoj Pal's profile photo
Contact Information
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(888) 298-7444
Address
8201 Peters Road, Suite 1000 Fort Lauderdale, FL 33324
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Credit Advocates Law
Introduction
Credit Advocates Law Firm, LLC is a national debt resolution law firm operated by experienced, local attorneys across America. The founding partners of the firm are financial attorneys who recognized that a gap existed between the debt resolution services being offered to debtors and the requirements of those debtors to resolve their situation whether that be issues with Bankruptcy, foreclosure defense, or collector harassment.

By providing consumers across the United States with access to a local office, we can best serve all of our clients’ debt resolution requirements. Our national debt resolution services are offered in conjunction with top U.S. debt negotiation companies through professional alliances enacted for the benefit of consumers and the protection of consumer rights.