Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
- Book Review,
by Richard L. DiMaggio
Troy Record, April 23, 2002
Getting e-v-e-n "Local Author Hits Home Run with Insider Look at Debt Collectors".
Book Description
Teaches consumers and their lawyers how to fight the debt collector! Author is a consumer protection attorney who has been suing the debt collector for over a decade. Learn their secrets. Learn their tricks. Learn how to sue them. Complete with sample complaints and End Notes.
From the Author
I am not surprised that the collection industry has attempted to sabatoge this book with single star ratings and negative reviews. One debt collector has even advised you to "download a copy of the law for free". In fact, the collection industry is very much against this book because it teaches the you, the consumer, how much control you really have. You can sue a debt collector. How frightening is this to them?! What the collector doesn't want you to know is that you can sue the debt collector for some very technical violations of the law. That while the law is bland, it is the way the law has been intrepreted to give you power and the right to sue. You will not get this legal interpretation anywhere else, and it is not in the law you download--that is why the debt collectors are pointing you in the wrong direction. If a debt collector calls you a single time after you tell them not to, you can sue this debt collector. If the debt collector threatens "further action" and doesn't sue you, you can sue the debt collector. If the debt collector demands payment in 7 days (or any number fewer than 30), yet gives you 30 days to dispute the debt, you can sue the debt collector. This list goes on and on. Sure you can sue for abuse, but you can sue for other reasons also. Are you going to turn to a credit counselling center for help? They won't tell you they are staffed and financed by bank personnel--anything to keep you ignorant of your rights. The debt collector uses a desk name, so you don't know who they are. This is a multi-billion dollar business that has never, ever been exposed. Most of them have failed in their chosen professions, and have taken up harassing people for money.
About the Author
Richard DiMaggio has spent the last decade as a consumer protection attorney. He has appeared on CBS Evening News, WABC (New York), WTEN, Money Talk and others. He has been quoted in such prestigious magazines as Business Week, Kiplingers, and Cincinnati Woman. He is also a web financial adviser to over a dozen companies, including Software of the Month Club, Active Parenting Publishers, and others!
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