I'm one of those who spent a little too much.
But hey, I'm grown and at this age, I think I should have a few things in life. Nothing extravagant. I'm not driving a Bentley, but my Tahoe payment is about $451. Insurance on both family cars is $160.
Although I got the hotel from one of those timeshare presentations when we took a ten year anniversary trip to Barbados, I still sprung for the airfare, as well as the upgraded room AFTER extending the trip three more days.
So with the pre-trip buys, food and cocktails, we still racked up $2000. Of course it went on the credit card. It only took a new engine in the car, my brother missing two mortgage payments, and a sure fire loan to a friend who hasn't talked to me to put me in the position of not being able to pay my own bills.
Now, here come the letters and phone calls. Is it me, or are these debt collectors getting down right nasty?
The following is considered DEBT HARASSMENT:
~ Falsely implying that you have committed a crime
~ Sending you information as though it is coming from an attorney when it is not
~ Falsely providing any document as being authorized, issued or approved by the court or government entity
~ The use of any false or deceptive means in an attempt to collect a debt or obtain information about a consumer
~ Failure to disclose clearly in all communication that the debtor is attempting to collect a debt
~ The use of any business, company, or organization name other than the actual name of the debt collector's business
~ The false representation that a debt collector is employed by a credit bureau.
FYI family, the Fair Debt Collection and Practices Act protects consumers from collection agency harassment. Know your rights!