FINANCE | Know your debt collection rights

Know your debt collection rights

Debt Collection: Know Your Rights
If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered


In the video, you’ll see how bad debt collectors try to get you to pay up. Bad debt collectors will say anything to get you to pay – and they’ll make it feel urgent to get you to pay immediately. But there are laws to protect you. Debt collectors:

  • Can’t call you before 8 a.m. or after 9 p.m.
  • Can’t use profanity, threaten violence or harass you to pay
  • May not lie or pretend to be someone they’re not
  • Cannot ask you to pay a debt that doesn’t even exist
  • Can’t threaten you with arrest or deportation
  • Cannot tell anyone – except your spouse or attorney – about your debt

If a debt collector calls and uses any of these tactics, hang up and report it to the FTC. Remember: you have the right to be treated fairly – no matter what.

Want more information about debt collection? Visit

Tagged with: debtdebt collection
Blog Topics:

Money & Credit


SELF-AWARENESS | Who you choose to become is entirely up to you.



Gone are the days of playing with dolls. Talking to them and pretending they are your best friends.  For those of you who grew up playing with a doll houses, plastic army figures and GI Joe’s, this article may bring back some memories. For the readers who missed out on doll and toy play, hugs from me to you.

Continue reading

PUBLISHING| #Self #publishing has become easier with #Amazon group of companies.



About CreateSpace

CreateSpace LogoThrough theirservices, you can sell books, CDs, and DVDs for a fraction of the cost of traditional manufacturing, while maintaining more control over your materials. They make it simple to distribute your books, music, and video through Internet retail outlets, your own website, and other bookstores, retailers, libraries, and academic institutions. Get started today!

CreateSpace is a DBA of On-Demand Publishing LLC, part of the Amazon group of companies.


They were originally founded as CustomFlix Labs, Inc. and BookSurge Inc.

CustomFlix launched in 2002 when four colleagues decided to make widespread distribution easier for independent filmmakers—they started CustomFlix, a DVD on-Demand company.

BookSurge was launched in 2000 by a small group of writers who wanted to create opportunities for authors to not only publish their work, but to also retain their content rights and sales profits. BookSurge grew to support leading publishers and independent authors, offering complete self-publishing, on-demand printing, and online distribution services.

In 2005, BookSurge and CustomFlix were both acquired by CustomFlix’s name was changed to CreateSpace in 2007. In October of 2009, due to the harmonies that would be created in the businesses, the CreateSpace and BookSurge brands merged under the CreateSpace name to become the publishing and manufacturing on-demand leader for independent content creators, publishers, film studios, and music labels.


MONEY | It doesn’t make cents, it makes dollars.

heart-roses1Sometimes, you get that rare moment to change someones life.  A simple exchange of knowledge executed in perfect timing can make or break a teaching moment.

Here is a story that does just that.

A sales girl/boy just began to give me back my change from a purchase I just made.

SIDE BAR– Pet peeve –how people count the change they give back to you.

The first thing I do, is stick out my hand, low and behold I get a wad of three singles, a five, a ten and five pennies stacked on top of my bills, while girl bellows “eighteen dollars is your change.”

I ask what is the final price of my items. RESPONSE: Two dollars and ninety five cents and you gave me a twenty.

I gently drop the change to the counter as it rolls off the wad in my hand.  I begin to count out loud– the change makes three, the five fifteen and the ten twenty.  She/he looked at me for a few seconds and said “wow, I never thought to count change back to people that way.”


I say Thank you very much and sashay away.