Beware Of Debt Settlement Companies! Debt Settlement Is A Highly Questionable Practice!

So you have may have heard or read about Debt Settlement. Perhaps not?

So what is this mysterious term and what does it mean? Ok, it’s not that complicated and some would argue its self explanatory. Settle your debt. Right? Not so fast my friends. Debt Settlement professes to settle debt and potentially can but the players the companies and the tactics by which it is often achieved are QUESTIONABLE to say the least.

As an attorney licensed and practicing in Florida, New York and New Jersey and with a huge focus on Consumer Debt Relief, I am receiving more and more clients who were once signed into an alleged debt settlement program or had already paid exorbitant amounts of money to such companies and their debt was NOT settled. Furthermore, many of these practitioners fail to inform the client that there are IRS TAX CONSEQUENCES when a debt is forgiven or settled (Over a certain Dollar amount) and worst of all the companies “specializing” in debt settlement are often taking loads of money up front from the debtor, before performing any work, which is often against FTC and State Law. The worst violation I have encountered thus far is the companies that promise to eliminate all unsecured debt (credit cards, medical bills) and don’t inform the client that the proceeding is merely a negotiation and not a legal one, that the creditor and credit card company and or debt collection agency do not have any obligation to talk to your settlement company, let alone actually settle the debt for less than is owed, and yet still many (not all) of these clandestine companies sign up thousands of unassuming hard working every day Americans on a daily basis.

I am not certain of the merits of debt settlement. For one, the debtors credit is already shot at that point and two the negotiation can be achieved and handled by the debtor themselves without having to pay out money to get rid of debt (Counter-productive in so many ways). It is not as if the settlement company has any formal expertise (perhaps former car salesmen as the exception) or need to follow any formal template or system. The solution to TRUE, LEGAL AND REAL debt relief is working through an attorney licensed and specializing in consumer debt relief.

With an experienced attorney one has the ability to view their financial hardships and debt in a total and comprehensive fashion and not in a bubble or vacuum of credit card debt alone. One is able to address and tackle the CAUSE and not the symptom and view and potentially address ALL DEBT both secured and unsecured including credit cards, medical bills, tax liens and mortgage dent and foreclosure if and when applicable. This allows for a plan of action that is comprehensive and does not give the debtor temporary relief or a false sense of security or small pieces of good news while ignoring the 800 pound gorilla sitting right next door! Perhaps the debts are so outrageous that the client is better suited for bankruptcy. Moreover, even if the debt is exclusive to credit cards alone and the client does not want to or cannot qualify for bankruptcy, an attorney can accomplish the same settlement if not with better and more effective results at far less than the cost of a debt settlement company.

Bold statements? No!
The empirical data shows that the settlement companies “fees” including processing and monthly are so large and unfair that they have put the debtor more often than not into a deeper financial hole. An attorney must give a retainer agreement and layout in plain English up front what he or she is doing for the client and how much it will cost. A good attorney will not even take money or start a case if they see that the client’s desires are not legally possible. Also, a credible attorney will NEVER make promises or guarantees about success let alone promise total elimination or settlement or throw out any numbers like the settlement companies promise about at least 50 to 80% reduction in principal. There is also the all too common problem of multiple debtors and credit cards and the inability of the company to get ALL the creditors into a settlement and worse the failure of the settlement company to contact the true and actual creditor making sure the party they are “negotiating” with is the true debt holder and not a third party collection agency without authorization to issue settlements! What about the credit card companies and savvy banks who issue a settlement subject to reserving the right for a deficiency judgment? In English…we will let you pay off the balance and reduce it by 25% but we still reserve the legal right to sue you and come after you for the 25% at a later time. Often these judgments can stay in affect for 20 years and lead to wage garnishments, liens and writs of possession! An attorney will make sure that any such settlement RELEASES the client from any future deficiency judgments. Most importantly the attorney has a huge trump card and bargaining chip. The credit card companies know that the attorney can eliminate their client’s debt legally and in FULL by assisting their client with bankruptcy or LITIGATING AND SUING THE CREDIT CARD COMPANY, BANK AND COLLECTION AGENCIES. Sue, litigate you say? How, why, what? Questions…answers…

There are a myriad of different laws on the federal and state level that govern lenders and specifically credit card issuers for example to list the more common:
* The Truth in Lending Act (TILA)
* State Unfair and Deceptive Acts and Practices (UDAP)
* The Fair Credit Reporting Act (FCRA)
* The Fair Credit Billing Act (FCBA)

Dozens of additional statutes and laws designed to PROTECT THE CONSUMER and govern the credit card companies! One slip up on any of these laws and a competent attorney can litigate and sue the credit card company for such a violation or for example for not offering the client the necessary notices of increases in their APR (annual percentage rate), or for unexplained late fees, or for mailing statements and bills late. The list goes on.

Thus, in my opinion DEBT LITIGATION is a FAR SUPERIOR and a more successful methodology to tackling credit card debt versus signing with an unknown debt settlement company, especially when the creditors are not even willing to bend. You get the best of ALL worlds and solutions with a consumer advocacy attorney. He or she goes into battle with countless armor and weapons ready to fight the debt at its root. The client has an experienced and effective counsel at their side and the attorney is equipped and licensed to challenge ALL of the client’s debt even if it means litigation, if necessary as alluded to above (Sometimes even making money for the client in restitution). Furthermore, by hiring an attorney to handle their debt, the client is not “losing” their opportunity for debt settlement, as the attorney can and if appropriate and more efficient often will negotiate, provided it brings the same or better results and that all the legalities and ramifications are addressed, such as no deficiency judgments and explaining the IRS tax consequences. Finally, an attorney can and often will drop the ultimate bomb and simply end it all painlessly and effectively by filing bankruptcy on behalf of the client if and when appropriate. (For another conversation as to when bankruptcy should be explored and employed).

In summary, you are being bombarded on TV and RADIO about “magical” debt elimination programs or hearing and reading of debt settlement. BEWARE there are many unscrupulous folks and companies out there praying on those in debt and who are desperate often promising false things and taking loads of their hard earned money and doing no work.

Are there legitimate settlement companies and players? Absolutely! Without any “if” or “buts.” Just like not every attorney or doctor is reliable and honest. I am not judging the industry but here to educate the uninformed or curious as to the process, players, the pros, cons and alternatives.

Whichever way you slice it, debt is an ugly game and the faster and cheaper it takes to get out of it, the better. Make sure the methods used and players engaged in them are legal and that you are not digging a deeper hole for yourself. Make your decisions on facts and law and not emotion, out of sheer desperation or based on cunning and false advertising. Know your rights and remember while debt is a stressful matter, there are multiple laws in place to 1) protect you and 2) offer recourse and even potential restitution.

Consult with an attorney who knows how to use these laws and who will protect you. Any reasonable law firm should offer a free and comprehensive consultation.

Debt Consolidation Advice – Finding Best Debt Company That Does Debt Negotiation, Credit Settlement

By my own count, there are some 7 different ways available which have been identified by experts as the basic options to debtors by which they may seek to get out of debt. Those options range from bankruptcy, debt settlement, debt consolidation, and loan modification programs, to credit counseling and the “do-nothing” approach.

In today’s American economy, there are two related options which consumers seem increasingly to be turning to in attempting to resolve their debt problems. They are the debt negotiation and debt consolidation advice options. That is, consumers hire and rely on debt settlement companies to process their cases for them.

How Do You Tell the Good Companies from the Bad Ones?

In this regard, a common question often asked by debtors who seek to undertake the task, often goes like this: how do I find best debt company that does debt negotiation or settlement and is legitimate and reliable, and not a fraud?

Hiring any debt relief company is just like hiring any professional to do a job for you – there are GOOD ones and there are BAD ones, and hence you’ll just need to do your homework.

There are So Many of these Companies to Sort Through Today

By one recent study done by one reputable internet investigation site, there are an estimated 4,000 companies in the United States today that offer debt negotiation, credit settlement and/or debt consolidation advice. Each one of these companies are out trying to out-do the other — through constant advertising bombardments and claims on the Internet, radio and TV, newspaper ads, etc — that their own particular brand of services is purportedly the most excellent and highest quality of all. Consequently, finding a truly good or the best debt company by a consumer under such circumstances, is not at all an easy task. So, how the heck can the average person tell the good ones from the bad ones?

Hence, it is critically important that you choose the right company. Like any other industry, there are good companies, and there are bad companies.

So, how the heck can the average person tell the good companies from the bad ones?

Researchers at one reputable at the above-mentioned online internet review site who conducted a major in-depth study on this vital issue, sought a definitive answer to this issue of how to find debt company that’s the best that does debt negotiation and credit settlement. Or, how to tell the very best companies from the bad ones?

They came up with the following answer: simply use some 9 carefully chosen “Key Relief Evaluation Criteria” or KDREC in evaluating the right debt settlement company to hire.

They are:


1: A check to ascertain membership of, or accreditation by, one (or more) of the recognized accreditation institutions for the debt
relief industry.

The best debt settlement or consolidation companies are usually accredited with either one or the other of these:

a) The Association of [Debt] Settlement Companies (TASC); or
b) Association of Independent Consumer Credit Counseling Agencies (AICCCA); or
c) National Foundation for Credit Counseling (NFCC)

2. The Reputation of the company. Includes the Dependability Factor. How long has the company been in business? Is this a
company you can trust?

3. Variety of Solutions. Does the company only offer ONE debt relief solution? Or are they well-versed in a number of options?
Having a variety of choices means they can find the right debt relief program that fits your specific needs.

4. Cost. How does the debt relief company get paid? The best ones will earn their money from a percentage of what they save
you; that way, they only get paid if you save money.

5. Does the Company Readily Offer or Volunteer Some Information and Free Counseling

6. What Does a Background Check on the Company Reveal About Experience, Quality of Personnel, etc – on certain issues of law,
credit, policy, etc?

7. Are There Reviews from Respectable or Objective professionals, journals or Review Media or Organs on the Company’s Services

8. Does the Company Offer Lessons or Programs Tactics for Staying Out of Debt?

9. Provision for Fees & Payment Schedule Modification In Case of Emergency?


Experts say that you should first whittle down all the companies you can find and narrowed them down to a manageable number, say to a dozen or so. Thereafter, just to be really sure that you are sure to have the very best settlement company, you may now apply a second and final set of criteria to the initially selected group to try pick the very TOPMOST and best one you should go with out of the whole pack. Criteria such as these:

The SECOND 9 Criteria
==Written guarantee by a company for overall savings.
==Service affordability for the average person.
==Secure website.
==Evidence of large amount of savings to clients.
==Has company successfully reduced millions of dollars of consumer and small business debt.
==Customer satisfaction response times..
==Does company help protect clients’ credit standing.
==Is customer reasonably able to speak with their debt negotiator whenever they want or was necessary.
==Flexibility of the program based on what a customer may have available on a monthly basis.

Properly done, employing these criteria should immediately give you the very best debt company that does debt negotiation and credit settlement, and provides the best debt consolidation company that’s absolutely reliable and almost guaranteed to eliminate any debt settlement fraud for you.

To conclude, let me repeat. It cannot be emphasized enough, picking the proper debt settlement or consolidation advice company that’s competent and reliable, is the whole KEY. With the right one, it can help you have a much better deal, you can save some 40-60% on your debts. But it takes, however, a little time, a great deal of patience, and, most especially, some considerable research to be able to get the best one of such companies.

If you do your “homework” by following the above-outlined tips in picking the company to use, you’ll dramatically reduce, even completely eliminate, the chances of getting scammed and ripped off. And most importantly, you’ll increase the chances of getting the proper financial help and settlement you need!

The Good News

The good, even BETTER news, is that actually certain reputable online review organizations have already done the kind of detailed evaluation work on debt relief companies of the type we’re talking about, using exactly the same selection criteria outline above. They comprehensively studied, evaluated, graded, scored and ranked the companies in the debt relief industry and came up with a finalist list of Top One Dozen Companies, as well as the topmost one in the country.

Reduce Your Credit Card Debts With Credit Card Debt Settlement

In our present situation, our economy is facing a tough time. Though it might come as a surprise, but the reality is that, this condition does not shock people anymore. This is not breaking news or making the headlines. You may ask, why? Well, for starters; debts are the reason why our economy strives, which we individuals benefit from. Consumers are very much accustomed to being in debt to the point of shunning away the responsibility of paying them.

Why do people have debts?

For starters, let us identify why we obtain debts; not just one or two debts but multitude debts. As time went by, generation after generation progressed and are continuously advancing towards a very innovative industry – both economically and financially.

Business corporations, advertisements and all sources of media had put up an impression on most of us. There are a lot of dictations on what is acceptable, what’s not acceptable, what we think is best for someone else. Pressure can be felt everywhere we go and from each person we mingle with.

In addition to the pressure, unexpected occurrences also add up to the many factors why we acquire debts; from inevitable changes in our economy (e.g. recession, retrenchments, bankruptcy, etc.) to unexpected happenings to our plain lack of ability to control our spending routine.

Researchers have also concluded that aside from natural occurrences, one of the main reasons why consumers accumulate debts is due to the fact that we never get satisfied with what we already have; we covet more and more things even though we do not have the capability to buy – resulting to debt increments. Whenever we gain a lot of credits, the harder it is to get out of the situation, making it really complicated to resolve.

Introduction of Debt Help Techniques

There are a lot of secrets to overcome one’s debts; secrets which can help you accomplish a debt-free life. However, the sad part is that we really do not have much idea what they are. Any person with debt has some alternatives, but not all of us know how to discern and take advantage of such alternatives.

Debt help techniques are present for our use. These techniques come in all forms, each with its own strategy and services to offer. The key to finding out which debt help technique can help you the most is to make out some possible cause and effect we can get from each method.

The Debt Settlement Method

One of the various types of debt help is known as debt settlement. A debt settlement method is done by undertaking a process of negotiation between debtor and creditor. Through this negotiation, they will more likely come up with a resolution that is agreeable to both parties. With the help of this method, debtors will be able to obtain a reduced total amount of existing debt which he/she only has to pay once every month, given that it be repaid on or before the stipulated date.

Credit Card Debt Settlement – A Debt Settlement Program

For people dealing with huge amounts of debt, they can either opt to do a personal debt settlement or go for the aid of a debt settlement program.

It is understandable that credit cards have become a “basic necessity” to an individual’s life since times are tough and credit cards can give us instant gratification whenever we want it, regardless of the time and the situation we are in.

Credit card debt settlement is a service offered by debt settlement with a main objective of giving some leverage and relief to debtors suffering major debt crisis. That is why people having insurmountable credit card debt seek support through credit card debt settlement.

It is known to be the fastest and most efficient way of clearing out credit card bills. What’s great about credit card debt settlement is that interest rates can go down as low as 50-70% off your previous rate.

How does it work?

Everyone is granted a credit card debt settlement service when they really need one. When you are under this program, some, if not, most creditors agree to write off as much as 30-50% of your total debts. It can even go higher, depending on your creditor’s decision. All it takes is a formal agreement between you and your respective creditor.

Scottish Debt Solutions – Trust Deed, Debt Management and Bankruptcy

Personal debt affects millions of people across Britain and at present there is an estimated 1,000,000 people struggling to manage their credit commitments. Over the next 5 years these people will try to find ways to pay their loans, credit cards and other unsecured debt. For a large percentage it will be an arduous task which will need professional help.

It’s important that when people are in debt they seek help as soon as they realise they can no longer manage their finances. This could mean the problem is resolved before it becomes too severe and the only options are a Trust Deed, IVA or Bankruptcy. There are a number of UK debt solutions which help thousands of people each year. In this article we have focussed on the Scottish debt solutions. The legal system in Scotland is different to England, Ireland and Wales which is why the debt solutions are not the same.

Recent statistics released have shown that the worst cities in the UK for personal finance were Glenrothes, Kirkcaldy & Livingston all of which are based in Scotland. It is more important than ever for the people of Scotland to know what help there is available for their debt problem. There is always a solution to debt, and in some cases there maybe two or three options available.

Scottish Debt Solutions

Debt Management Plan – The Debt Management Plan is an informal plan where the person in debt would repay all of the money they borrowed over a longer period than originally agreed. It’s predicted that across the UK 500,000 people are in a debt management plan right now, with 300,000 in a for profit debt management plan. The Debt Management Plan can be stopped by either party at any time.

Protected Trust Deed – This is a formal agreement which usually lasts for 36 months. The person in debt will repay a percentage of the money they borrowed over the term of the Protected Trust Deed. So long as the creditors agree to the solution and the person in debt continues to make their monthly contributions then the rest of their debt will be written off. Should the person in debt fail to complete the Protected Trust Deed they will most likely face Bankruptcy.

The criteria to enter a Protected Trust Deed is:-

– Unsecured Debt of at least £10,000,
– Disposable income each month of £100 and a return to creditors of at least 10%.

Each year around 9,000 people enter a Protected Trust Deed. The Protected Trust Deed is similar to the English, Welsh and Northern Irish Individual Voluntary Arrangement (IVA).

Sequestration – This is the Scottish equivalent to Bankruptcy. The Sequestration will last for one year, afterwhich the person in debt will be discharged. If the debtor is able to make a contribution towards their debt, then this will happen for 3 years. At the end of the solution any debt will be cleared, however a default will last on the person in debts credit file for 6 years.

(LILA) Low Income Low Asset – This is a new route into Sequestration (Bankruptcy). This solution was was launched back in April 2008 for people who have a low income and low / no assets. The solution enables people earning minimum wage, no asset worth over £1,000 and unable to meet any other debt solution the option to enter the LILA. You cannot enter a LILA if you own a house. The equivalent scheme for England, Wales and Northern Ireland is called Debt Relief Order (DRO).

Debt Support Trust is a not for profit debt advice charity that provides telephone and internet based debt advice. The charity values include

– Care

– Transparency

– Reliability

– Support

Credit One Debt Solutions for Christian Businesses – The Best Option for Getting Out Of Debt

Many Christians around the world have fallen in debt today. While governments spend money they don’t have, the world economy is on the verge of collapse. Interest rates have started to climb, prices are on the rise and this leaves even more people with huge debt. Credit Cards are maxed out, loans and mortgages are beyond what people can afford and are forcing many Christians to take on a second job or look for other means to earn income. There are even some Christians who are working three different jobs just to make ends meet. This is causing much stress in the families and in the homes. They are spending all their time just to keep things afloat and have no time for their families let alone any spare time for themselves.

Things have gotten out of control and the Bible states “neither a borrower or lender be.” Now, it is even more complicated for Christian businesses because the cost to run a business keeps going up and the profit margins going down. This is causing most businesses to get further in debt just to pay their operating expenses. Many are seeking help from Credit one debt solutions for Christian Businesses. This can be a business which focuses on debt consolidation for businesses.

Debt Consolidation is One Solution

If you are one of the Christians that find themselves up to their heads in debt, or if you are looking for a real way to help thousands of people, than Credit One Debt Solutions for Christians can help you. The Bible commands us to live a debt-free lifestyle and many Christians find themselves unable to do so. This program offers expert advice regarding financial matters and shows you how to cut costs and shows you have to save money while paying off your existing debts.

    • Credit One Debt Solutions for Christian Businesses will show you how to take all of your debt on credit and consolidate it into one monthly payment. The consolidation company will than makes all of your debt payments for you. This takes all the pressure of paying all those bills.
    • They negotiate for lower monthly payments, lower interest rates which allows you to pay off your debt much quicker.
    • They have a debt repayment plan which enables you to learn how to pay off all of your debt as they walk you through each step of their plan.
  • Credit One Debt Solutions for Christian Businesses also offers you free debt counseling which not only helps you keep on track with paying off all of your debt, they also enable you to stay out of debt while staying true to your principles and values. Their expert advice will teach you sound Christian principles of how to stay debt free even in hard times.

Becoming Debt Free

The ultimate lifestyle is to have no debt and this includes your home. Credit One Debt Solutions for Christian Businesses main goal is to do just that. They bring Christians back to the basics that if you don’t have the money to buy something than don’t. They teach you to save for emergencies and if you don’t really need it than don’t buy it. In our culture today we are enticed in many ways to buy things that we don’t need or will ever use. Their goal is to get you out of debt as quick as possible and then to remain debt free. They also help you plan a budget in which you can live on and help you get rid of some nasty habits about spending.

Achieving Debt free Status

The idea behind Credit One Debt Solutions for Christian Businesses is not to give you a hand out that will bail you out of debt. Instead, it is a solution, which encourages prudence in matters touching on your finances. Their aim is to help you get out of your immediate debt trap, and help you remain debt free. Therefore, their program emphasizes on good spending habits. They encourage you to always come up with a budget as an individual, family, or business and help you learn to stick to it. They also encourage that you find alternate sources of income such as Credit One Debt Solutions for Christian Businesses where you can work from home to market their programs. This will allow you to earn more money, without sacrificing any of your family time. As Christians we should have all of our priorities in order as well as our finances. Credit One Debt Solution for Christian Businesses is a well-organized company that has their heart in the right place to help others who can’t help themselves.

You must learn more about Credit One Debt Solutions for Christian Businesses along with some marketing secrets.Thomas Freers is an Online Marketing Coach for what is arguably the World’s Largest Internet Marketing School available today. He specializes in Article Marketing, Social Media networking and various other marketing strategies and works with small and large companies to help them customize their marketing campaigns.

Overview of Illegal Collection Practices Used by Debt Collection Agencies and How to Fight Back

The Fair Debt Collection Practices Act states that federal law prohibits a collection agency from engaging in various deceptive or illegal debt collection practices such as threatening the debtor, etc. In this article, we go over some debt collection practices that are banned by the FDCPA and any collection agency that employs such tactics is looking for trouble!

i) Communication with Third Parties

In most cases, a debt collection agency cannot contact third parties about debts that you owe. There are a few exceptions to this rule such as:

Your attorney – The debt collector can contact your attorney if he knows that you are represented by one. This means the debt collector must always contact that debt attorney and should not phone you, unless you give them permission to contact you or if your attorney does NOT respond to the debt collector’s messages.

Credit reporting agency – Most creditors will file a note to the 3 major Credit Bureaus including Experian, Equifax and TransUnion about your debt and they are legally allowed to do this.

Original creditor – Since most debts are sold to collection agencies by creditors, the agencies are allowed to maintain communication with the original creditors in order to facilitate the collection of the debts.

Debt collectors are permitted to contact your spouse, parents or your co-debtors unless you ask them in writing to stop doing so. If you send a written letter to a debt collector to stop contacting your parents or co-debtors regarding outstanding debts and if they still do, then they would be violating the rules set out by the Fair Debt Collection Practices Act (FDCPA).

Another limitation is that debt collectors are permitted to contact third parties for the purpose of finding information about your whereabouts. In any such communication or phone calls, the debt collectors:

– Must state their name and if they are verifying information about your location or whereabouts.

– Are not required to identify their employer unless you ask them.

– Are not required to state that you owe a debt.

– Cannot contact a third party more than once unless if told to by that third party, of if they believe the third party’s earlier response was false, incomplete or
wrong and that the third party has the complete information.

– Cannot communicate with post cards.

– Cannot use any words or letterhead or symbols on the outside of an envelope that indicates they are trying to collect a debt (including any business logos or overheads). This is if it is clear that such a logo would give away the purpose of the letter.

– Cannot call any third parties for location information if they know a debt attorney represents you.

ii) Communication with You

When a debt collector calls you for the first time, he must state the reason of the call, which usually is an attempt to collect a debt and that any information given by you, will be used solely for that purpose. In further communication, the debt collector must tell you his/her name and the collection agency they work for. Here are some rules regarding when a debt collector can call you and when it is not a good time:

– The debt collector cannot contact you at an unusual time or place e.g. calls before 8am or after 9pm.

– The debt collector cannot contact you directly if he knows that you have an attorney representing you.

– The debt collector cannot call you at work because he knows your employer could prohibit such communications during work. If you do get such a call from a debt collector while at work, tell them your employer prohibits such communication at work and that they should not call you at this time (working hours).

iii) Abuse or Harassment

A debt collection agency cannot engage in conduct that is meant to harass abuse or oppress you. More specifically, the collection agency cannot:

– Publish your name as someone who owes debts or doesn’t pay bills in the public (some child support collection agencies may be exempt from this rule).
– List your debt as for sale to the public or investors’ community
– Make telephone calls to you without identifying themselves as debt collectors
– Call you repeatedly
– Use or threaten to use violence against you
– Harm you or threaten to harm you in any way
– Harm someone else or threaten to harm someone else or his/her property
– Use profanity when communicating with you

If you get such a collector that uses profane language, just hang up on the phone and not bother picking up again if they call back.

iv) Lies or Misleading Representations

Collection agencies cannot like to you or make false misleading representations in an effort to get you to pay debts. Some of these include:

– They cannot claim to be a law enforcement agency or suggest that they are connected with the federal, state or local governments trying to collect debt.
– They cannot falsely represent the amount you owe or the percent of commissions they will receive after collecting your debt.
– They cannot claim to be a debt collection attorney or any message they give you is from an attorney.
– They cannot claim that you will be imprisoned or your property will be seized unless the debt collector is really going to sue you possibly forcing you to go to jail or your property being seized.