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Hi are you having trouble make you -- -- you bills lately well then start you start to get calls from people demanding that you pay them back this -- you.
Well a year ago called -- may not have come up so -- early.
May it may -- -- -- caught early but now debt collectors are doing just about anything to get over -- get you to fork over the money.
Jerry get -- -- -- advisor and coauthor of stop debt collectors how to protect your right to resolve your -- to Gerri you have bride to be -- money.
Yeah absolutely do there's a federal law fair debt collection practices act -- gives you some muscle to fight back -- debt collectors get abusive side you knocked this down to some very Chris points so let's go through first.
Don't hide so when they called don't put the -- no one pick it up and say I don't have the money.
Yeah it's it's okay to -- -- I'm from has for you don't want to change your address change your contract -- from them.
What can happen is they can take you to court and that sometimes that can serve you you don't even know you get a default judgment against you.
So even if you have to tell them you know what I can't pay right now I'll call you in a month.
That's OK but you also say know who you're talking to a lot of spammers out there -- make sure this is the company -- It's not uncommon for people to get the calls about debts they've never heard of and it could be someone who's just to make a quick lap.
You have the right under federal law to get written verification the debt insist on -- before you pay -- hand you also say don't volunteered to which information.
So if someone calls up and says -- the only top 5000 dollars you shouldn't say I am I lost my job bomb on behind payments on the middle of the divorce.
What is too much information.
Well it's -- to be brief and give them the basic circumstances but they don't want to hear your life story they just want to know if they're gonna get paid.
What you don't wanna do is give them all the information by your bank account -- your job -- the other credit cards you have on the money you have in the bank.
All that stuff is is use your private information just tell them.
Here's what I can do.
Here's what I can't do I'll be back in touch with that we have to get Ellis writes it down I talked -- I talked to Cindy this is a right do you number in this is what I told her in this is what I told where I'm gonna -- off people like to see that.
So take good notes still be pressured would you be don't be pressured these people -- all over yet.
Yet that's what you have to keep the conversation brief that they get out of hand it's OK to say I'm hanging up the phone now and hang it up.
They are not allowed to harass you get threatened -- sit.
Say that -- gonna take the money at your bank account on Friday if you don't pay unless they really can't -- probably can't Jerry -- really wanna keep going -- it -- here's the most important thing to keep many years story that red.
Is I think they would people are being harassed they have rights.
What trial would cut characterizes.
By a debt -- Well that's what to a judge to decide that typically if they say things like you're dead -- -- -- racial slurs or if they.
Threaten you all those kinds of things are probably illegal that calling it five times in an hour that's probably illegal thank you definitely want to keep your notes by Gerri great job more and in fact all of your tips -- -- -- -- -- -- -- website.
FOX & Friends dot com thanks Roger for getting up with us.
Thank you -- straight ahead we.
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