Short Sales: More Ways To Tell That A Debt Collector Is Breaking The Law
Miramar FL – Debt collectors are very creative in their attempts to convince debtors to pay. Fortunately we have a law protecting us called the Fair Debt Collection Practices Act.
Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.
I don't know what happened before the law was passed. But, after reading thru the law, you can see it was pretty bad.
It sounds like debt collectors would call late at night, threaten debtors with violence, use profane language, and do anything else they could think of to harass debtors into paying.
Fortunately the law says that they are not allowed to call before 8AM or after 9PM. In addition, they are not allowed to threaten you with violence or tell other people about your alleged debt.
But, the biggest violation that I see is when they call you after you ask them to stop calling. This is actually a violation (although you wouldn't think that when you hear about how many debt collectors still call after you ask them to stop.)
There are also violations that come into play because the Fair Credit Reporting Act. For example, if you request a written validation of the debt, then they have to stop all collection activities until they have sent you written verification of the debt.
If you are being harassed by debt collectors, then remember that the law is on your side. Research your options and go on the offensive.
You can get the debt collectors to back off and can often even get paid for anytime they have violated the law. (Don't kid yourself, it happens more often than you think.)
If you want a list of 12 common violations and instructions on how to stop the calls, then click here and scroll down to the Right. Click on How To Stop Harassing Debt Collector Calls. Thinking about a short sale?
I can help you short sale your property and never pay the bank another penny. Send me an e-mail at browardshortsales@gmail.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (954) 214-7806.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Miramar loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
For more details on short sales and to learn how you can be represented by a law firm in your short sale negotiations with no out of pocket expense to the homeowner, buyer or seller, visit http://MABshortsaleprocessing.com.
Thanks and God Bless...
Scott Auten, CDPE
Scott is a Real Estate Agent at Florida Elite Homes. Miramar Short Sales Realtor:
Phone: (954) 214-7806. browardshortsales@gmail.com.
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Scott Auten specializes in loan modifications and short sales in Miramar Florida. Miramar Loan Modification Help. Miramar Short Sales. Miramar Short Sale Realtor. Miramar FL Short Sales. Miramar Realtor.
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Important Notice
Scott Auten, Florida Elite Homes, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are Scott Auten's personal views and do not reflect the views of Florida Elite Homes.
This information on Miramar Short Sales: More Ways To Tell That A Debt Collector Is Breaking The Law is provided as a courtesy to our viewers to help them make informed decisions.
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