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Welcome back imagine answering your phone in hearing bits.
-- -- -- And -- people who do they have I don't hear from you all -- the sheriff department at your doorstep.
Great those are not francs.
-- debt collectors and more collection agencies are using these extremely aggressive tactics but are they legal.
Fred Williams is the author of fight back against unfair debt collection practices he wrote the book after going undercover to collection agency for three months he joins us from the DC bureau.
-- -- -- Morning -- Casey went undercover at one of those call centers where.
People make calls like that -- be told to do as a debt collector.
Well management and tell me to do anything wrong but my tears my co workers showed me all the tricks of how to -- people.
Kind of thinking that they're in big trouble -- pay us right away and what's one of the keys to trick people -- -- Well to put pressure on a collector.
Is just got -- -- and -- doesn't have any real authority right so he insinuate stepped down.
He might say he's with law enforcement.
I had of one coworker who pretend to be a fraud investigator.
And that that got people on the phone pretty quickly you know -- OK yeah -- as soon as they answered he didn't turn around on them and say are you trying to make credit card fraud you know.
Well at the same time these collection agencies in some cases are breaking the law aren't -- Well yeah that's that's really the right there man -- kid and now we should point out that a lot of guys who make those phone calls and gals as well.
They get a commission so the more they can scare the living daylights out of you more what are -- gonna make great.
Yes some of my might -- the top producers are making more than 101000 a month just in bonus.
That is amazing all right let's talk about some of the things people can do to protect themselves first of all -- communication.
Demand verification of the debt.
Dispute the debt and keep a record of harassing calls and file a complaint or take the collector to court -- -- the first would cease communication what does that mean usually the phone calls are initiated by the debt collector at that.
That's right maybe it it sounds almost too easy but first out of box.
You have this right to tell the collector.
Just just don't call me don't don't contact me -- -- -- need to send that in in writing you should send it certified -- have a receipt.
-- -- And they're supposed to abide by that that this works best for people who.
They know the dead either isn't there -- -- was paid off long time ago so it's not something that's gonna come back to haunt them.
And how often do people say look I think this debt collector who's harassing me has broken the law.
And they wind up taking him to court or taken him to the polices that and how much satisfaction -- they get in that wells are dead ever cleared.
Yeah it's happening more and more but I think a lot of people.
What you set out -- this job for a few months and very few people I spoke to really ruining their rights here and -- Yeah you you need to before you get to -- the whole court in complained part you've you have some -- before that it can demand verification that debt.
-- they're supposed to send you what's called -- validation notice to make sure that you're in fact.
Getting driver of a -- -- actually.
-- well this is you know this is good information for a lot of people because we know many people who are out there right now are getting -- harassing phone calls and in some cases they are illegal.
Fred Williams we thank you very much for joining us and given us some tips on how to survive those calls thank you think --
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