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Help to Protect Yourself from Debt Collectors,
This review is from: Fight Back Against Unfair Debt Collection Practices: Know Your Rights and Protect Yourself from Threats, Lies, and Intimidation (Paperback)
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If you receive a letter or phone call from a "law office" or "fraud investigator," beware: it may well be a collection agency using one of the unfair and possibly illegal collection practices Fred Williams tells about in this book. And if you don't recall owing the "debt" they are trying to collect, it may well be that you really don't owe it; it may be the debt of someone else with a name similar to yours, or it may be a case of identity theft.
Part 1 (chapters 1-19), Debt Collection Secrets, tells what debt collection agencies can and can't legally do, and the illegal things many collection agencies routinely do to scare people into paying, even if the "debt" is not really owed.
Part 2 (chapters 20-25), Coping With Collections, tells how to handle debt collectors, and if necessary, prepare and enter a complaint with your State Attorney General or with the Federal authorities.
THIS IS A BOOK EVERYONE SHOULD READ AND KEEP ON HAND FOR REFERENCE. Even if you have never owed anybody anything, debt collectors may call you demanding payment of money you don't owe, so you may incur immediate need to know how to handle the threat of seizure of your property or garnishment of your wages or salary. Williams tells of one victim of such illegal tactics, whose bank account was frozen on the basis of a judgment illegally obtained against someone else of the same name. It even turned out that the judgment was the result of "sewer service," a process server swearing falsely that the required notice to appear in court was delivered into the hand of the intended recipient. Never having received any notice of his court date, he did not show up and therefore a summary judgment against him was entered.