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Fight Back Against Unfair Debt Collection Practices: Know Your Rights and Protect Yourself from Threats, Lies, and Intimidation Paperback – August 20, 2010
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Top Customer Reviews
Fred Williams' "Fight Back Against Unfair Debt Collection Practices" is divided into two parts. The first part is an engaging story of the author's three month stint working as a debt collector. His story "humanizes" the collectors and explains some of the debt collection world mentality. At the end of each of chapters 1-19, the author gives a gray-box blurb on a pertinent portion of The Fair Debt Collection Practices Act requirements that debt collectors must follow. The second part of the book is the "meat and potatoes" of how to handle the debt collectors once they start calling you. In simple terms, he explains the highlights of the Fair Debt Collection Practices Act, how to stop collection calls, understanding how to read credit report, and how to negotiate a settlement. Part 2 is only 31 pages of the 194 page book, so don't expect a lot of depth. The upshot is that the onus is on you to protect yourself, whether you are the intended debtor or just an innocent who answers his phone.
"Fight Back Against Unfair Debt Collection Practices" is easy to read and provides insight into the debt collection world.Read more ›
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.
The schtick of the book is that the author takes a job as a debt collector in order to learn the business from the inside, after reporting about it for years on the outside. The writing is clear and simple, the points are made obvious by a statement of the law at the end of each section.
He also tries to balance the scale by noting the various things that people try to get out of talking to a debt collector-- *hint* they are onto the "I'm his brother, he's dead" scheme. And if he is really dead then they cannot collect his debts from his relatives and are required by law to tell you this while they try to collect the debt from the deceased person's relatives. It's not illegal to try, you see.
Anyway, this book may give someone who is feeling helpless and hopeless more of a sense that they have some control of their fate, or at least understand what is happening to them, for this I recommend it.
Most Recent Customer Reviews
Great book on debt collection practices from the inside and gives insider tips on the tactics they employ! Great information.Published on June 9, 2014 by Dicky Russell
The book is roughly divided in two parts. Most of it is spent recounting the author's inside view of the debt collection agency, which he investigated undercover as a journalist... Read morePublished on April 28, 2013 by Alberto Vargas
This book has the information you need in the event that you receive phone calls or letters from a debt collector. Read morePublished on November 9, 2012 by Vista Bill Raley
This will be a real eye opener to those who have little or no knowledge of debt collections and the scum collectors who buy and sell debt to each other. Read morePublished on May 28, 2012 by M. Gaines
Full Disclosure: I once worked at a financial sector call center, so I may have found this book significantly more or less interesting than many people. Read morePublished on December 20, 2011 by Mike
This is good book of a story of a man the got a job as a "collector" in order to find the inside scoop. Read morePublished on October 12, 2011 by Le Kameleon
I would say it's just okay. I bought it so I could learn from a third party about debt collection. He sprinkles the book with some good tips. Read morePublished on October 10, 2011 by S. Johnson
This book could have been dry facts to help repair your credit, it could have been an invesigative piece on the infiltration of bill collectors, or it could have been a funny story... Read morePublished on July 11, 2011 by Amy Henley
Fred Williams has written a most interesting book that seems tailor-made for the current climate. There are more people in debt than ever before, and that of course means there... Read morePublished on June 1, 2011 by Fred