Do you want to know the Secret that will allow you
to use a little known Federal Law to make
 Bill Collectors pucker up...and then Shut Up?

The Bill Collectors DO NOT want you to Know this Information!
 

Stop the Dirty Bast***s in their tracks! Order Now        If you're like the vast majority of people you have had your share of financial ups and downs, it is inevitable in a today's job market. It doesn't  make you a  bad person if you fall behind in your payments, but the way you get treated by collection agencies make you feel like a criminal in your own home. There are few feelings that people dread more then not being able to pick up the telephone in their own home because they are scared that there may be a creditor on the other end. The feeling of not even wanting to go get the mail for fear of another collection notice. Everybody goes through it, no matter how many jobs we have in life there are always times when we are between jobs and our expenses begin to exceed our income and we begin to slide into debt a little more each day until one day we are in over our heads and can't seem to find a way out. Then the phone calls and the letters start, then we don't answer the phone anymore for fear of another creditor asking for something  we can't give them, maybe even missing job interview calls because we didn't answer the phone. Afraid to sign for certified letters from the postman for fear of another collection notice. My story wasn't much different then most people's except when the proverbial (Blank) hit the fan. I was out raking my lawn when my neighbor whom I had known since we moved into the neighborhood 8 years ago walked over to me with a sheepish look on his face and asked if he could talk to me. He then proceeded to tell me a collection agency had called HIM looking for me and they had asked him to inform me that they needed a payment on a past due account... Unbelievable! I was LIVID, not to mention embarrassed beyond belief, I could not believe that they had stooped so low as  to involve a neighbor in a credit dispute! I went on to profusely apologize to my neighbor and then proceeded to spend the next  month on a personal crusade to find a way to STOP the Harassment, and guess what? ( Insert Evil Grin Here) There is a way to stop Collection Agencies DEAD in their tracks! Just as they have rights to collect money that is owed them, YOU as a consumer have rights too, but unfortunately most people are unaware of them, which just makes it easier for the agencies to keep calling. This is NOT a black hat tactic to avoid paying legitimate bills that you owe. This is a technique that will get you your privacy back and give you some peace of mind while you get your financial bearings again. And this is not something we made up, this is a FEDERAL LAW. You have the right to contact the agencies that are bothering you and FORCE them to stop contacting you by the means of a special letter and correct verbiage that will end the harassment once and for all. But like most things in life, if you don't know the right procedure it becomes frustrating and ineffectual. That's why we created the book, "Stop Credit Harassment" So how can we help? Simple...Stop Credit Harassment is a step by step book detailing how to write the letters that can be used to Stop the collection agencies from contacting you, it gives the correct format, what to include in the letter that will make it more powerful, how to send it, PLUS information on credit laws, No call list, and a bonus letter for disputing collections that you believe are beyond the statue of limitations. It FORCES the collection Agencies to STOP contacting you, Under Penalty of Law, so you can get a financial breather, get your life back, and regain your privacy. Our  pre formatted letters are in PDF and Word format so you can open, personalize and print out the letters yourself. Order Today and Stop the Harassment! Order Now Q: Does this stuff really Work? A: 2 Words...FEDERAL LAW If you are a collection agency, chances are something is going to pucker up when you hear those words directed at your business. For those of you legally inclined, here is some legal stuff below Communication with Consumer § 805.  Communication in connection with debt collection   [15 USC 1692c] (a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- (1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location; (2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or (3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication. (b) COMMUNICATION WITH THIRD PARTIES.  Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. (c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. (d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator. ************************************************************************************** Information on Harassment and Abuse § 806.  Harassment or abuse  [15 USC 1692d] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity. ********************************************************************************** How's that for legal stuff? So you can see that you have an option to get some breathing room. BUT you need to send the letter in a pre designated form citing the laws and specifically indicating the actions needed to be taken. This is ALL spelled out in the PDF "Stop Credit Harassment" and contains all the info needed to do the letters yourself. You have to make a choice...continue to be afraid to pick up the phone, or get the Solution today and start putting those Dirty Bast***s in their place. Peace of mind is a terrible thing to waste...Do it Now!