According to a recent report by Marketdata Enterprises, the united credit Recovery Bureau(UCRB) industry experienced a nearly 4 percent growth in 2011. This year, collections are projected to increase another 4.6 percent, which will create $12.8 billion in revenue.

The fact is that because so many people are still feeling financial desperation, the collections business has experienced record profits. But even though the economic landscape currently encourages enormous revenues, collections is a very competitive industry. The people who work in this field often earn their living based on recovery rates and service fees. Because of this structure, some collectors are engaging in illegal or aggressive strategies. So now state attorneys general and the Federal Trade Commission (FTC) have become involved.

How the Fair Debt Collection Practices Act Helps

Since it was enacted in 1978, the Fair Debt Collection Practices Act (FDCPA) has been an ongoing defense against aggressive and threatening tactics used by collection agencies. Its purpose is to protect consumers from this type of abuse. So even though there are many families who have fallen behind in their payments during this economic crisis, collection agencies are barred from employing overly assertive measures to retrieve debt.

In 2011, the FTC received a massive amount of objections from consumers about the practices of collectors. Almost 165,000 complaints were filed. Furthermore, in May of 2012 alone, an estimated 890 consumer credit lawsuits were put in motion around the country. These numbers amount to a 12.4 percent rise in lawsuits from April of 2012. Generally, such filings have increased every month since the 2012 year began.

This is a troubling trend. But there is a place to turn for people who feel targeted by collection businesses. The FDCPA gives consumers power to sue a collector in state or federal court for anything from repeated telephone calls to threatening an arrest if a debt is not paid off. People who feel they are being harassed by a collection agency have the option to sue for damages in the amount of any losses as well as compensation up to $1,000.00 plus payment of their attorneys’ fees.

Consumers Always Need to Be Wary

The collections industry may disagree with statistics about the escalation in lawsuits against them. It may also downplay figures that support the revenue growth this business has seen during the recession. But that should not stop consumers from taking advantage of the safeguards that the FDCPA offers, if a collection agency is using abusive tactics.

While everyone must be responsible for paying off debts, that does not justify a collection agency’s aggressive or threatening manner of attaining these funds. The fact is that you have rights. So if you feel you are the victim of illegal debt collection methods, the best thing to do is to consult a lawyer and learn how to protect yourself.

Telemarketer complaint sites

Telemarketer complaint sites are a special kind of website that. Help users share valuable information about strange phone numbers and harassing calls. When you visit a telemarketer complaint site, the first thing you should do is search the existing complaint database. For mentions of the phone number you’re dealing with. This way, you can quickly learn what information are assume about the number you’re dealing with. This can potentially include valuable facts, like how to get on a do-not-call list. Or the name and address of the phone’s owner.

Cumulative effect

The next step in using the telemarketer complaint site is to lodge a complaint yourself. These websites work by cumulative effect. That means that the more people that report harassing calls. The better the odds are that the site will be able to help defend against those particular numbers. Plus, in some situations, complaints is pass on to authorities responsible for checking up on telemarketers. That means that if a company’s sales tactics have become illegally extreme. 

Marines and Ghost and Healing from above

When facing a Protoss enemy, this is your key to success. Marines will make up the bulk of your army. Why you ask: Because Marines are dirt cheap, pack a mean stick, and equal mean mobility. And with the help of Stimpack they can do some really impressive damage. While running faster than a hamster at the treadmill

What does that mean: It means “remember to research Stimpack and Combat Shield” before leaving home, guys. Your army of pixeld toy soldiers need their drugs and you shouldn’t leave them wanting. As far as Ghost goes they are expensive and while heir mouths are not as dirty. And cheap as the Marines you luckily only need a few in order to make this combo work. Ghosts are most effective against Protoss due to their EMP. Drop your Shields Mister Protoss. Or in the case of High Templars, Drop your Energy Mister Templar.

This is why Scouting is so important to master before getting into the art of micro.

Your Medivacs job simply is to stay close, avoid enemy fire and auto-heal your troops. They will need it with the heavy use of Stimpacks.. As you approach an army, have your Marines use Stimpack. And RUN for the assault, closely followed by your sneaky Ghost units. Who the should EMP the living daylights out of your Protoss enemy. Should the need arise and you have to get your men out of dodge. The Medivacs are a great means of transportation.

The first rule is to never give him your physical address or he’ll be showing up at your front door every night. If you give him your email and phone, you can delete his messages and emails, but you can’t move.

He can’t hurt you over the phone and through electronic mail, but facing him in person is risky. The first time he calls, tell him you don’t want to see him and not to call again.

If he does, tell him you are going to call the police and file a restraining order on him, and then stop taking his calls. Do not reply to his emails because he thinks he has a chance and you’re inviting him into your life.

Most first dates will let it go and not bother you again but some are so obsessed with you that they won’t give up. Never meet him in person no matter how convincing he is.

It makes him angry that you’re rejecting him and he does not like it, so it’s hard telling what’s on his mind and he may cause you bodily harm.

So many women give in to their demands and. Will meet them in hopes he will go away, but it never happens.

A friend of mine met a guy through an online dating site and. After talking to him on the phone a few times and texting back and forth; she decided to meet him for a date.

When she saw him in person he was totally different from his profile, pictures and phone calls. She tried to end it. But he would not allow it.

She gave in to his needs and answered his calls. Replying to his text messages but he wanted more. She made a huge mistake by telling him where.

She lived at the beginning. And he started showing up at her house.

Drastic measures

He wouldn’t take no for an answer so she had no other. Option but to call the police and file charges on him. It made him very angry and he decided to take drastic measures.

He flattened her tires and broke two house windows. And when she called the cops they said they couldn’t do anything without proof that it was him.

After causing her so much chaos in her life, her place of work gave her a transfer to another city. She never heard from him again, but she had to leave her family and friends.

Learn from her and don’t make the mistake she did. Or you’ll pay the price for a first date you can’t stand. You must stop a first date from harassing you or he could ruin your life.