Update July 15, 2014: Latest scam --- Microsoft calling about problems with your computer at all hours of the day...


Here’s a heads up for all of those people who are struggling to meet bills, pay rent and eat. If the struggle becomes impossible and you have, nasty bill collectors calling you every time you turn around I want you to remember it’s not hopeless. There is help for you! One resource I found while roaming the internet is the FTC aka Federal Trade Commission. They are excellent to deal with and handle your issue in an expedient manner.

This is my gift to you, bookmark the page, use it if needed, and pass it along…Spend time reading this web site. You will find so much information concerning your rights, and how to handle the bad. Be sure you copy this Cease and Desist letter it may come in handy. I hope you never have to use it but if you do it will help you keep the vultures at bay.


Most collection agencies have started outsourcing their call centers to India where they pay $3.00 to $12.00 per hour depending on the person’s education level. All of their accounts contain personal information including social security numbers. Think about the potential risk factor here. There is no protection in India, or any foreign country against Identity Theft. So here’s my suggestion, write your congressional representative and DEMAND the exclusion of all personal information and social security numbers on accounts being sent outside the United States. After all, protecting us is part of our representative’s job.

Remember, when you answer your phone the collection agent on the other end is trained to be nasty as hell and most of them excel in that respect. Don’t be afraid instead, stand your ground and back them off. Armed with knowledge, you can hold your own against the nastiest of individuals. Keep in mind that some agents are so ruthless (Budd calls them bottom feeders) they will try to collect on a bill that is past the statute of limitations. Each state sets their own SOL so be sure to check the guidelines for your state.

Tip: Credit Cards are ALWAYS considered open accounts. This was established under the Truth-in-Lending Act: See TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602.

You must be the change you wish to see in the world.~~Gandhi

Comments 8 comments

Sarah C. 5 years ago

Thank you for this interesting article.

I learned a lot of interesting things.

Sarah C.

Nancy's Niche profile image

Nancy's Niche 5 years ago from USA Author

Thanks Journey for your comment. I too use my credit card with great caution. In fact, under my signature on the back I have written "Check ID." :o)

Journey * profile image

Journey * 5 years ago from USA

You're very wise to share this information. I prefer to not use credit cards wherever possible.

tonymac04 profile image

tonymac04 6 years ago from South Africa

Very useful and scary too! I think that too much of our personal information is unprotected and open to abuse by unsrupulous people. Thanks for the warning.

Love and peace


Nancy's Niche profile image

Nancy's Niche 6 years ago from USA Author

Thanks Granny's House for your comment and sharing this article. Once you know your rights, you can stop these bottom feeders in their tracks...

Granny's House profile image

Granny's House 6 years ago from Older and Hopefully Wiser Time

Great advice. I am going to share and vote up!

Dolores Monet profile image

Dolores Monet 6 years ago from East Coast, United States

Nancy, I've never thought about that, how so much of our information is sent overseas. It's frightening. I used to think that people who went overboard on credit were just plain idiots, but having seen some of the unbelievable interest on some of these credit cards, and knowing how bad the economy is, people out of work, etc. they have my sympathy.

mulberry1 profile image

mulberry1 6 years ago

Sounds like these agencies need to be monitored closely. Glad I've never had to deal with one.

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