ENLIGHTENMENT | Kindness Matters, Pass it on

“Every time you do a good deed you shine the light a little farther into the dark. And the thing is, when you’re gone that light is going to keep shining on, pushing the shadows back.” ~ Charles de Lint Artist~Lisi Martin Text & image source: Rest in the Arms of […]

via Kindness Matters, Pass it on. — Purplerays

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HEALTH | SUPER BODY, SUPER BRAIN

🇺🇸 In this trip I wanted to make sure to visit my former school Ramiro de Maeztu where I spent incredible years of my life from 6 to 18 years old- I played basketball from 9-18 years old in the best club called Estudiantes. The school has changed a lot number one change was that […]

via Nostalgic Visit  — SUPER BODY, SUPER BRAIN

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 consumer.gov/debt.

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Money & Credit