What to do if you receive a letter from a debt collector. Presented by the Civil Litigation Advice and Resource Office of Buffalo, NY. CLARO is a project of the Western NY Law Center. This slideshow provides general information and does not provide legal advice, which you can only get from an attorney.
How a money judgment is enforced and what you can do. This slideshow provides general information and does not provide legal advice, which you can only get from an attorney.
At Resolvly, we help with Debt Relief, Private Student Loan Debt, Foreclosure Defence, Medical Debt & Credit Card Debt. We have relieved many people from crushing debt loads by having their debts completely dismissed. Debt relief and dismissal is not a hoax or a gimmick — it is a completely legitimate debt strategy that protects your legal rights as a consumer. If you are buried deep in debt and are considering bankruptcy, debt consolidation or debt settlement, please give us a call before you do anything else. There’s a good chance we can get your debt completely dismissed. At Resolvly we want to help you end your debt nightmare once and for all.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
How a money judgment is enforced and what you can do. This slideshow provides general information and does not provide legal advice, which you can only get from an attorney.
At Resolvly, we help with Debt Relief, Private Student Loan Debt, Foreclosure Defence, Medical Debt & Credit Card Debt. We have relieved many people from crushing debt loads by having their debts completely dismissed. Debt relief and dismissal is not a hoax or a gimmick — it is a completely legitimate debt strategy that protects your legal rights as a consumer. If you are buried deep in debt and are considering bankruptcy, debt consolidation or debt settlement, please give us a call before you do anything else. There’s a good chance we can get your debt completely dismissed. At Resolvly we want to help you end your debt nightmare once and for all.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
Topics covered in the last of the 6-part series include: managing job loss, essential documents, record-keeping, and the basics of investing. Money Matters was created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Establishing a new business connection is not easy. It is difficult to find a new buyer who is ready to make an advance payment to an untested exporter. By offering a letter of credit, the exporter can increase the chance of securing the order.
Mel feller looks at frequently asked payday loan questionsMel Feller
Mel Feller Looks at Frequently Asked Payday Loan Questions
What does it mean to renew or roll over a payday loan?
Generally, it means you pay a fee to delay paying back the loan. This fee does not reduce the amount you owe. If you roll over the loan multiple times, it is possible to pay several hundred dollars in fees and still owe the amount you borrowed. For example, if you roll over a $300 loan with a $45 fee three times before fully repaying the loan, you will pay four $45 fees, or $180, and you will still owe the $300. Therefore, in that example, you would pay back a total of $480. Some payday lenders give borrowers the option to roll over their loans if they cannot afford to make the payment when it’s due.
CLARO is a program provided by the Western New York Law Center (WNYLC), engaging efforts from neighborhood organizations, local universities, volunteers, court resources and generous benefactors.
Topics covered in the last of the 6-part series include: managing job loss, essential documents, record-keeping, and the basics of investing. Money Matters was created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Establishing a new business connection is not easy. It is difficult to find a new buyer who is ready to make an advance payment to an untested exporter. By offering a letter of credit, the exporter can increase the chance of securing the order.
Mel feller looks at frequently asked payday loan questionsMel Feller
Mel Feller Looks at Frequently Asked Payday Loan Questions
What does it mean to renew or roll over a payday loan?
Generally, it means you pay a fee to delay paying back the loan. This fee does not reduce the amount you owe. If you roll over the loan multiple times, it is possible to pay several hundred dollars in fees and still owe the amount you borrowed. For example, if you roll over a $300 loan with a $45 fee three times before fully repaying the loan, you will pay four $45 fees, or $180, and you will still owe the $300. Therefore, in that example, you would pay back a total of $480. Some payday lenders give borrowers the option to roll over their loans if they cannot afford to make the payment when it’s due.
CLARO is a program provided by the Western New York Law Center (WNYLC), engaging efforts from neighborhood organizations, local universities, volunteers, court resources and generous benefactors.
Content, Connections, and Context
Daniel Tunkelang, LinkedIn
Keynote at Workshop on Recommender Systems and the Social Web
At 6th ACM International Conference on Recommender Systems (RecSys 2012)
Recommender systems for the social web combine three kinds of signals to relate the subject and object of recommendations: content, connections, and context.
Content comes first - we need to understand what we are recommending and to whom we are recommending it in order to decide whether the recommendation is relevant. Connections supply a social dimension, both as inputs to improve relevance and as social proof to explain the recommendations. Finally, context determines where and when a recommendation is appropriate.
I'll talk about how we use these three kinds of signals in LinkedIn's recommender systems, as well as the challenges we see in delivering social recommendations and measuring their relevance.
How can focus help our business, our teams, ourselves? This presentation disassembles the difficulty we have in achieving various kinds of focus (vision, goal, users, pragmatism, attention, calm) and gives practical tips on how to approach and improve each of them.
This talk was originally prepared for ThemeConf (themeconf.com) and From the Front (2015.fromthefront.it).
Connections As A Tool For Growth: Evidence From The LinkedIn Economic GraphLinkedIn
New evidence from LinkedIn’s current network, presented here, demonstrates the economic value of connections. We calculate an “index of connectedness” for each of 275 metro regions in the U.S., based on the average number of connections per LinkedIn member in that region. The higher the index of connectedness, the more dense the connections between LinkedIn members in that region. Using data from the Bureau of Labor Statistics, we calculate the four-year and one-year nonfarm payroll job growth for those metro regions.
This report was authored by Dr. Michael Mandel, with research supported by LinkedIn. November 2014.
Focus the hidden driver of excellence- SummaryGMR Group
Daniel Goleman begins by explaining how we pay attention, how we focus and how we make fundamental decisions based on an overview of the anatomy of our brain. He explains the difference between “bottom up” thinking, where our more primitive brain (the amygdala) drives basic reactive thought and instinct based fast thought, such as what drives us (food, sex, emotion) and the slower “top down” thinking that emanates from our more advanced pre-frontal cortex or executive functioning brain. Critically to understand how these work one must also understand how they conflict and how they complement one another. Understanding the way the brain works helps us understand and influence whether we merely react or whether we control our thought.
The book then goes on to explore a somewhat eclectic selection of brain functions and attributes that form our thought processes. He explores how we perceive others, or “read” them; the role of empathy in our thinking; how we perceive patterns or fail to; how we act upon immediate threats but largely ignore distant threats; and how these thinking patterns help us to succeed and to fail.
He discusses how not the amount of practice but the quality of practice defines how proficient we are. He challenges the 10,000 hour myth, in which it is argued that a talent or skill is developed to proficiency with 10,000 hours of practice explaining that proficiency and mastery require quality practice for many hours.
An interesting book to read for developing a good Leadership Traits.
Sample debt validation letter to collection agencyLegalDocsPro
This is a sample debt validation letter to a collection agency pursuant to the Fair Debt Collection Practices Act, 15 USC §1692g(b) to demand that the collection agency validate the debt and cease and desist until the debt has been validated.
This is basically do it yourself credit repair letters, you can use these letters when disputing items and sending them in to the credit bureaus yourself.
At Resolvly, we help with Debt Relief, Private Student Loan Debt, Foreclosure Defence, Medical Debt & Credit Card Debt. We have relieved many people from crushing debt loads by having their debts completely dismissed. Debt relief and dismissal is not a hoax or a gimmick — it is a completely legitimate debt strategy that protects your legal rights as a consumer. If you are buried deep in debt and are considering bankruptcy, debt consolidation or debt settlement, please give us a call before you do anything else. There’s a good chance we can get your debt completely dismissed. At Resolvly we want to help you end your debt nightmare once and for all.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This presentation goes over what debt collectors can and can't do when it comes to contacting debtors as laid out under the Fair Debt Collection Practices Act. Also included in this presentation is information on how to deal with debt collectors and how to go about reporting them if they violate your rights.
This is a helpful guide on what to do when you become bankrupt. In order to be declared bankrupt, you must first be legally recognised as such by a court order. Here are the steps to take next and some useful links to more information on what it all means and what you need to do.
How to Obtain Your Credit File and Repair Your Credit ProblemsWhichdeal Limited
By visiting http://www.creditplus.co.uk you can get more information on the issues discussed in this credit repair guide, including a free tool to check your credit rating.
This easy to follow guide walks you through the process of understanding and repairing your credit rating, it is meant for use in the UK.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This sample student loan debt validation letter is designed to be sent to any debt collector or collection agency that sends a letter threatening collection action on student loan debt. The sample letter is 3 pages and includes a formal demand for (1) an opportunity to view all purported loan documents and a hearing at a location close to the debtor's home under the provisions of Title 31 U.S.C. § 3720D and (2) several categories of documents including all documents showing the "chain of title" for any promissory notes alleged to have been signed by the debtor. The author is an entrepreneur and freelance paralegal that has worked in California and Federal litigation since 1995 and has created over 300 sample legal documents for sale. Note that the author is NOT an attorney and no guarantee or warranty is provided.
Similar to Debt collection letter - What do I do? (20)
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
2. Why Me?
Your
Responsibility
Consumers who are battling lawsuits, court judgments
or garnishments over credit card, student, medical or
car debts are vulnerable to abusive creditors.
“Consumer advocates see such cases as a growing
threat for people, who are often unsure of what to do
or even unaware they have been sued. So they don’t
put up a fight – even though they have legitimate
grounds – and lose money to creditors who don’t
deserve it.”*
Delinquent consumer debt has always been a big
source of court cases, but the number has soared with
the recession and rise of the debt-buying industry.
* “Free law service helps consumers battle abusive creditors,” Jonathan B.
Epstein, Buffalo News, January 29, 2013
Debt Collection Letters are
Serious.
Even if you don’t believe the
debt is yours, you could still
be held responsible.
Ignoring the letter will not
make the problem go away.
The first step to resolution is
to make the collector prove
the debt is valid.
3. The Debt is Not Mine!
Most collection actions are filed by
debt buyers, not the original
creditors.
Yes, it’s a
headache,
but…
Firms purchase old debt that has
already been written off by lenders.
Debt buyers pay pennies on the
dollar, and then aggressively try to
recoup the money.
Mistakes and outdated information
mean collectors may be pursuing the
wrong person or seeking payment of
debts that were already paid.
Putting up a fight
makes a difference:
Creditors prefer to focus on
easy cases with no
opposition.
Your willingness to challenge
them works to your
advantage.
4. Sample Collection Letter
Collection
Letters
As a consumer, you have
the right to challenge a
debt.
The collector must
provide written
verification of the debt.
Don’t Ignore a letter like this!
Respond to the letter by asking for
proof of the debt.
Your rights have been
established under the US
Federal Fair Debt
Collection Practices Act.
5. What to Send
Your
Response
CLARO provides consumers with a sample
letter they can use to respond to collection
letters.
The letter is found on the CLARO website:
www.clarobuffalo.org.
Reply to the letter as soon
as possible.
Send your reply via certified
US Mail or other recognized
carrier:
The sending and receipt
of the letter is recorded by
the carrier.
Fed Ex, UPS, etc. are
valid carriers.
Do not let the cost of mailing
the letter certified deter you.
You can edit the letter for your own use.
6. What You Will Ask
For:
What the money you say I owe is for;
Explain and show me how you calculated
what you say I owe;
Provide me with copies of any papers that
show I agreed to pay what you say I owe;
Provide a verification or copy of any
judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not
expired on this account;
Show me that you are license to collect in
my state; and
Provide me with your license numbers and
Registered Agent.
Your
Letter
You are asking the
company to
VALIDATE your debt.
VALIDATION is
different than asking
for your
name, address, etc. to
be verified.
Validation means
delivering actual
proof of the debt.
7. CLARO Sample Letter:
Five things
to do:
1. Download Sample Letter from
CLARO website.
Via CLARO website
2. Fill in your own personal
information.
- OR -
HERE
3. Take your letter to the post
office and send it to the
collection address via
CERTIFIED Mail.
4. Save your mail receipt.
http://clarobuffalo.org/wp-content/uploads/2012/11/Debt-Validation-Letter.pdf
5. Save the delivery confirmation
provided by the post office (or
carrier used).
8. 1
3
Required
Information:
2
1. Indicate on the letter
that it is being sent
“Certified Mail.”
4
2. Include the Date the
letter is being sent.
3. To: enter the full name
and address of the debt
collection organization
5
6
4. From: Your name and
full address
5. RE: Fill in any account
or reference number
linked to the collection.
6. State the date you
received the letter of
collection.
9. Sending Your Letter
Certified
Mail:
How to Send Certified Mail
Take your addressed mail to the post office and
request first-class mail with certified mail service
from the USPS counter employee.
Fill out the certified mail form’s required
information, including the recipient’s name and
address.
Remove the backing and place the sticker along
the top edge of the envelope you are
mailing, directly to the right of the return address
area.
Pay the appropriate postage.
Ask the USPS counter employee to stamp your
receipt. Keep your receipt that is stamped with the
mailing date.
If you have any questions, ask an available USPS
counter employee. They are there to help you!
Certified Mail is your
way to prove you
asked for validation
of your debt.
Failure to respond to
your mail is likely to
make further
collection activities
against you stop.
You must receive a
response within 30
days.
10. Why it Matters:
Failure to respond to a
validation request within 30
days from the date of receipt,
means all references to the
account must be deleted and
completely removed from your
credit file.
Insist that a copy of such
deletion request be sent to you.
No
Response:
Save your stamped
mail receipt.
Keep your receipt that
is stamped with the
mailing date so it can
be used to facilitate a
dismissal if legal
action is taken
against you.
Failure to respond to
a validation request is
grounds for dismissal
if you are sued.
11. If Validation is
Received:
Going Forward:
If the organization is able to
provide the proper documentation
as requested, you will have
already requested at least 30 days
to investigate the information.
During that time all collection
activity must cease and desist.
You have the right to research
and correct any errors.
Creditors cannot contact you if
you’ve requested it in your
letter.
This means no contact by:
• Phone, cell phone, through
third parties, or email by
either an agent or any
computer generated source
– either at work or at home.
• You can threaten to file suit
for harassment.
12. Correct Errors
Mistakes
Matter!
If the debt collector has reported invalid
information to any of the three major Credit
Bureaus (Equifax, Experian or
TransUnion), this could constitute fraud under
both Federal and State Laws.
If any negative mark is found on any of your
credit reports by the company or the company
that is being represented you have grounds to
bring legal action against them for the
following:
• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection
Practices Act
• Defamation of Character
Even small errors can make
a difference.
No error is too small to
correct.
An error you fail to correct
today can turn into a bigger
problem later on.
13. In most cases, responding promptly and
properly to a collection letter will resolve
the issue.
If you require further assistance or if the
action proceeds further, CLARO can offer
you advice and other assistance.
This concludes our slide show on how to respond to a debt collection letter. Additional resources can
be found at www.clarobuffalo.org.