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The New Slave System: Mind Control fear part 5

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By Natalie-Marie Hart

Crystal Kids Radio

You can read Part 4 to this article right here http://crystalkidsradio.com

There is going to be many more articles so please stay tuned on my website www.crystalkdsradio.com for more articles about the new slave system.

This not legal advice you must find from a lawyer or paralegal
You have the right to stop collections calls with depending on
1) Who is calling you
2) Geography -Which province or state you live in
3) Whether these calls are being made to you, at
a) House-estate or dwelling
b) Workplace – A place, such as an office or factory, you are employed. Calling you at work if you have asked them to stop.
c) Cell phone
d) The geographic location the calls are being made.
e) Using abusive or obscene language.
f) Harassing you with repeated calls.
g) Calling before 8 a.m. or after 9 p.m. unless you agree
h) Talking to anyone but you or your attorney about the debt.
i) Misrepresenting the amount of your debt.
j) Falsely claiming to be an attorney or a law enforcement official
k) Falsely claiming to be a credit bureau representative.
l) Threatening to sue unless they actually plan to take legal action
m) Threatening to garnish wages or seize property unless they actually intend to do it.

If your goal is to stop the collection agency, or a law firm?

You first must find out who is calling you a creditor or a law firm.
Every province or state will have restrictions and laws placed for collection agencies.

Let’s look at an example, the times of day they can call you and the number of calls they are allowed to place within a certain period. This law varies across North America.

What is a Law firm- law office(s), legal practitioners, LLC, parttership, PLC
Associated concepts: prominent law firm, white glove law firms.

If you are receiving debt collection calls, these calls will be rude and unpleasant, and they will not stop until you pay your debt. You may decide you want to speak to an agent about resolving your account.

This is what a debt collector does:

The sad thing is it sounds like there is a kill involved.

A lawyer with some advice what to do when a debt collectors calls.

If you live in Canada please purchase the book Wolf at the door by Mark Silverthorn.

There was a man who owed a substantial amount of money on three different credit cards; he was overdue between 30 to 45 days. The original creditor was trying to collect. You should know once these accounts are 90 to 180 days overdue they will be sent to a collection agency. It could be illegal for a creditor to communicate with the person directly, verbally or even in writing. This is where the collectster (collector) comes in they have different standards of conduct.

The goal here is to create a strategy for avoiding unwanted calls until you decide you want to speak to a representative from you creditor about your outstanding account.

1. Keep your phone number confidential
2. Screen your calls
3. Avoid disclosing your identity over the telephone.
Collectors will call your place of work numerous times a day. This may affect your working relationship with your employer and co-workers.

How far the collection agencies will go
They will call your:
1. Family members
2. Relatives,
3. Neighbours,
4. Former roommates,
5. Landlords
6. Employers

You should tell everyone and tell him or her not to share your personal information.
A collecster (collector) may have a connection in the police department and may send a police officer to come at your door for information. In another example a collector once tried to get information, they posed as a police officer and claimed that a family member had been seriously injured in a car accident.
Keep in mind the system works for the money system. You will not be able to trust the legal system because the courts work for them.

Avoid Revealing your identity over the telephone

It is illegal and Prohibited by law for debt collecsters (collectors) to reveal the existence of your debt to anybody or any person other than you or someone else legally responsible for the debt.

This is called third party disclosure.

The debt collector cannot begin to discuss your debt with you until he or she first can confirm that it is you.

The call from a Debt Collector (what they may say)

John Doe, Hello
Debt Collector: May I speak to John Doe
John Doe: who is calling and the nature of your call
Debt Collector: My name is Mark Smith. I am calling about an important matter that I need to discuss with John Doe. Is John in? (They may leave a message on your voicemail.)
John Doe: what Company are you calling from?
Debt Collector: I am only permitted to disclose that information to John Doe. Is there a John Doe who lives at this address?
John Doe: calls out Is there a John Doe who lives at this address?
Household member: I am sorry. I don’t speak with strangers who refuse to identify what company they are calling from. (Hang Up the Phone)

Keep records of all debt collector phone calls and messages.
Sample Letter 1 To Collection Agency

If you believe that you do not owe your creditor any money, or if your debt is statuette barred, or if you are judgment proof, or if you would just prefer the whole thing be settled in court, a sample letter like this sent to the collection agency and/or the creditor by registered mail may help. Sending the letter by registered mail is very important, because it is your proof that your letter was sent to them. Registered letters are kept on file by the post office, and requires a signature of receipt from the collection agency when it is delivered.

In Ontario Canada laws, collection agencies are supposed to immediately stop calling you, and not contact you at all when you send them a letter disputing the debt and suggest that they take you to court.
If after you’ve sent the registered letter (which is presumed to have been received after 5 business days), the collection agency continues to call you or send you mail that has nothing to do with taking you to court (don’t count the first letter they sent to you after the registered mail because they will claim it was already sent or already in the system to be sent), then they are in violation of the Collection Agency legislation. Log every phone call and letter they send to you after you’ve sent the registered letter, and then file a complaint with the your local consumers protection branch. The collection agency’s abuse of the laws may net them a large fine and even loss of their licence, and give you evidence to sue them for harassment.

Former employees told CBC News about calling non-debtors — including relatives of debtors and unrelated people with a similar last name to a debtor.

“We would just keep calling them and calling them and calling them,” a former employee told CBC News.

Sample Letter 1 to Collection Agency
(insert your first and last name)
(insert your address OR your P.O. Box)
(insert your city, postal code (or P.O. Box’s city and postal code))

WITHOUT PREJUDICE
(insert Date)
(insert collection agency name)
(insert collection agency address)
(insert collection agency city, postal code)
Dear (insert collection agent’s name):
(if you don’t have a name use – To Whom It May Concern)

Re: your account # (enter the account number that they gave to you)
This letter is a response to your letter arriving (insert date).

Be advised that I dispute the alleged debt and suggest you take the matter to court. Pursuant to the Collection Agencies Act, R.R.O. 1990, REGULATION 74, you must immediately cease and desist from ALL contact and attempt to contact me.

Regards,
(insert your signature)
(insert your first and last name)

Sample Letter 2 to Collection Agency

If you agree that you owe your creditor some money, and if you don’t mind dealing with the collection agency, but want them to follow the law, a sample letter like this sent by registered mail may help. Sending your letter by registered mail is very important, because it is your proof that your letter was sent to the collection agency, plus it is kept on file by the post office, and requires a signature of receipt from the collection agency.

You are entitled to ask for the information you request in this letter: it’s also great information to get for preparation of a lawsuit. Most collection agencies will not respond to your letter, because they cannot provide the proof nor the information you request. They will likely either disregard it, and then continue to hound you as if they had never gotten it, or drop your file back into the collections pile for another collection agency to try their hand at it.

If they do send you some information, scrutinize it fully and very carefully to make sure that what they sent to you is all of and exactly what you asked for. For example, the collection agency and collection agent’s licence is something that no collection agency wants to provide, because you will know the agency’s and agent’s information. Need I say more here?

Remember that most collection agencies like to operate in secrecy and in an underhanded, intimidating manner. Be sure to log every phone call and voice mail, and where necessary file a complaint against them with your local consumers protection branch. Again, the “without prejudice” in the letter is just a look-official, look-good thing, because it really has no merit if you do go to court.
Sample Letter 2 to Collection Agency
(insert your first and last name)
(insert your address OR your P.O. Box)
(insert your city, postal code (or P.O. Box’s city and postal code))

WITHOUT PREJUDICE
(insert Date)
(insert collection agency name)
(insert collection agency address)
(insert collection agency city, postal code)

Dear (insert collection agent’s name):

(if you don’t have a name use – To Whom It May Concern)

Re: your account # (enter the account number that they gave to you)
Without sufficient information at this time to ascertain whether your collection agency is legally authorized to collect money from me, this is a reasonable request of you and your agency to substantiate whether I have any legal obligation to pay you.
On that basis and to that end, I request that you and your agency provide me with the following good and valid evidence:
1) a valid copy of the original signed contract with the original creditor;
2) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing;
3) a letter from the original creditor to (insert collection agency’s full legal name) that grants (insert collection agency’s full legal name) the authority to legally collect on the debt;
4) proper and complete written notice concerning the debt;
5) valid proof from the original creditor of my clear consent to disclose my personal information to your agency a third party; and
6) a valid (insert collection agency’s full legal name) collector’s licence, the collection agent named (insert collection agent’s name as given to you) and a valid government collector’s licence.

If you are able to provide me with the proper documentation as requested above, then I may be willing to work with you to negotiate small monthly payments. Note that I do not work and have no individual assets. Furthermore, I ask that you restrict all communication with me to being only in writing only sent to the address noted in this letter.
Regards,
(insert your signature)
(insert your first and last name)

Sample Letter 1 to Creditor

If you agree that you owe money to the creditor, but don’t want to deal with a collection agency, and would prefer to deal directly with the original creditor, you can still send a registered letter like this straight to the original creditor. Realize that the original creditor may take your enclosed payments, but refer you back to deal with the collection agency, and the information that you provide them in the letter as to how much you can pay etc. may be used against you.
Again, sending the letter by registered mail is very important, because it is your proof that your letter was sent to them, plus it is kept on file by the post office, and requires a signature of receipt from the collection agency. Remember that the “without prejudice” is just a look-official, look-good thing, but it really has no merit if you do go to court.

Sample Letter 1 to Original Creditor

(insert your first and last name)
(insert your address OR your P.O. Box)
(insert your city, postal code (or P.O. Box’s city and postal code))

WITHOUT PREJUDICE

(insert Date)
(insert creditor name)
(insert creditoraddress)
(insert creditor city, postal code)

Dear (insert creditor name):

(if you don’t have a name use – To Whom It May Concern)

Re: account # (insert the creditor’s account number)

This letter is concerning my (insert creditor name), account # (insert creditor account number). I am wondering if (insert creditor name) is willing to work with me to come to some amiable agreement about payment and settlement.
I believed that I was up-to-date with payments. However, I became aware of the status of the account when (insert collection agency name) called me. As this account is originally with you, I would like to deal directly with (insert creditor name) to resolve this matter.
At this time, I am able to pay approximately $(insert amount you can pay) per month beginning (insert date you can start paying). I am also interested in reaching an early settlement agreement with you. To show my good intent towards clearing up this matter, I have enclosed a cheque for (insert number) payments totalling $(insert dollar amount), as well as (insert number) post dated cheques.

Your timely consideration regarding this request is greatly appreciated. You can contact me at the address provided above. I look forward to your reply.

Sincerely,
(insert your signature)
(insert your first and last name)
Well there you have them. Hopefully these sample letters were useful to you.

Judgment lien – a lawsuit that resulted in a ruling against you is called a judgment lien. Before a judgment lien is placed on your property, the creditor typically has tried (unsuccessfully) to get you to pay your debt. A judgment lien will be reported on your credit report.

Now we need to clarify just exactly what a judgment is.

What is a Judgment?

A judgment is a decision by a court that describes the rights and obligations of both parties in a lawsuit. You might also know a judgment as a “decree or court order,” they all mean the same thing – you’ve got troubles.
You can have judgments from small claim court all the way up to multi-million dollar claims.
Judgments are generally legal disputes that don’t involve property or collateral. If you don’t take care of the judgment handed down by the court, this could turn into a lien or wage garnishment.

Sample Debt Validation Letter
[Date] [Your Name] [Your Address] [City, State ZIP
[Collector Name] [Collector Address] [City, State ZIP] Certified Mail No.: _____________
Re: (Account #, Inquiry Dated ____, Letter Dated ____, Phone Call Dated ____, etc.)

To Whom It May Concern:

Thank you for your recent _________. (Letter, Phone Call, Inquiry, etc.) This is not a refusal to pay, but a notice that your claim is disputed.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.
Be advised that I am not requesting a “verification” that you have my mailing address, I am requesting a “validation;” that is, competent evidence that I have some contractual obligation to pay you.

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Best regards,

[Your Name]

Please stay tuned for more articles like these on my website www.crystalkidsradio.com