Stop Collection Agencies from Calling

http://hendrengroup.biz/blog/2013/07/25/stop-collection-agencies-from-calling/

We are all annoyed by calls from debt collector although that is their job but they could break the law if they cross their line into harassment. You can stop them before they could break the law and besides they wouldn’t do that either because in fact they are so scared of lawsuits. They are so frightened to be shut down that they run in another direction when they hear or see certain phrases from consumers. There are ways to stop them from calling and it can be handled in few easy steps. The Fair Debt Collection Practices Act will be violated if they will call again despite all the steps were completed. This law outlines debtors’ rights when it comes to the collection of a debt.

Send a Letter

Explain your preference of communicating with them through writing, sent them a “cease and desist” letter, this is the easiest way to stop collections agencies from calling. Make sure that your letter is a certified mail so that you have proof that they have received your latter or else they could deny about receiving your letter and still call you. They will send you back a letter once they receive a cease and desist letter. This letter to the debtor outlines further actions that may be taken. This gives the debtor a choice of which one to take. In the instance that they didn’t stop calling you, you may start to log the times they call with dates and times, Hendren Global Group suggests.

File a Report

File a report to FTC if the collection agencies did not stop even though they have received your cease and desist letter, complete this with supporting details like the call logs and other documents essential to prove that they are still calling. Your next action must be letting the collection agency know that a report has been filed to FTC and if they won’t stop calling further actions will be taken. If in case this didn’t stop them from calling, you can sue them for up to $1,000. You can do this only if it can be proven that their calls resulted in lost wages or medical expenses.

Bankruptcy

If there is no other option and no other means to get out then your last resort to stop collections agencies from calling is to file bankruptcy except that this isn’t recommended. Agencies should stop calling since they are obliged to because once bankruptcy is filed they have no legal claim on the debt anymore. But careful, the consequence is it will be on your credit report for at least 7 years, and it will have any blow on your credit. Although that will definitely stop them from annoying you and your life will get back to normal.

Bottom Line

Collection agencies do everything when it comes to collecting debts. What you can and should be is be aware of your legal rights, the more knowledge a debtor has, the less agencies can harass them.

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Can you prevent credit card scam when you go out on a dinner date?

http://hendrengroup.biz/blog/2013/07/02/can-you-prevent-credit-card-scam-when-you-go-out-on-a-dinner-date/

According to the recent research, young people prefer using cards over cash, especially in posh restaurants or shopping malls. Are you planning to go out on a dinner date but afraid that your credit card might get scammed? The question now is, how can we prevent it from happening?

Many people have suffered from job loss and wage deduction following the recent economic meltdown. As a result, to make money in this tough economic situation some people are enter fraudulent activities. Lately, these fraudsters are taking advantage of the situation to misuse the consumers’ credit card. A great number of people in America are filing complaints on fraudulent credit card transactions. Hence, to shun enrolling in a credit card settlement program, you can notify the credit card company concerning the fraudulent activities. You may be paying for the bills even though you are not responsible for the transaction if your card is misused without you knowing it.

Here are a few effective tips to prevent credit card scam:

Beware of restaurant fraud:

More consumers use their credit cards when shopping or paying restaurant bills. The scam may go like this, the restaurant employee may swipe the card and your card information can be recorded in the electronic device. If that is so, the fraudsters can use the information stored in the electronic device, and then the card information can be use in an off way. Any bad guy in the restaurant can take note your card’s number, expiration date plus the security code. The critical information can be used for online purchases and transactions made over the phone. What you must do is to be wary while handing over your credit card to the restaurant staff or to any stuff.

Tips to prevent credit card scam in a restaurant:

Demand to the wait staff to swipe the card in the electronic device prior to yours when you use your card to pay bill at a restaurant. You can prevent credit card fraud if you keep an eye on the transaction procedure. Right after you get the receipt, certify that you verify the total on the credit card receipt. Don’t just hand over the card to the restaurant staff and instead go to the counter and pay the bill yourself.

Avoid throwing the carbon copy receipt in the trash:

The fraudsters has many ways just so they could persist on the scam, they can even go behind the trash so don’t throw carbon copies of the receipts you leave. Receipts contain your credit card information like your name, credit card number and signature on them. Make certain you cut up the carbon copy of the receipt properly before you throw in the bin or better yet keep it as well.

Use cash instead of card:

This is the far better idea in any chance as possible, in any way or any aspect. Avoid fraudulent activity and use cash instead of credit card. If you are not going to use your card there will be no chance that someone else may get your info, it is as simple as that.

In conclusion, the cardholders need to remember the above tips to avoid credit card fraud.

Top US Electric Car City Could Soon Be… (You’re Never Gonna Guess It)

http://hendrengroup.biz/blog/2013/06/21/top-us-electric-car-city-could-soon-be-youre-never-gonna-guess-it/

Which do you think is the top electric-car city in the US… LA? New York? San Francisco? Or Portland?

Not one of those cities but the city of about 800,000 people — Indianapolis, the capital city of Indiana, USA. The city is interested in having all of its fleet of cars replaced with electric and plug-in hybrid electric vehicles (PHEV). Once that happens, it could become the #1 electric-car city in the US.

After the announcement was made, Paul Mitchell, CEO of Energy Systems Network, got the idea of putting into motion a plan to procure 500 US-built electric vehicles — possibly the Nissan Leaf or Ford Focus — and also to build charging stations as support facilities.

Energy Systems Network collaborated with Bollore, an electric car manufacturer for Europe, and with the mayor for the plan. Bollore plans to launch the program next year and has invested $35 million in the program. It will buy the 500 electric vehicles and kiosks required for check-in.

The city plans to set up 1,200 level-2 charging stations (more stations than cars) in 200 sites. Level-2 charging stations can recharge vehicles at 240 volts for a range of 10 to 20 miles range for each hour of charging time. These stations are the second-fastest chargers at present.

“This program is a great boon for downtown workers, residents and visitors to drive around town without owning a car,” Mayor Ballard announced. “This service lets anyone — public or private individual — to pay only for a car when he or she needs and wants it. You do not pay for fuel, insurance, maintenance and parking costs when you do not use the vehicle.”

Pretty awesome – don’t you think so? Indeed it is a great step toward claiming the title as the USA’s Top Electric-Car City.