Tricks to Combat Against the Rogue Debt Collectors

Consumers with delinquent accounts constantly receive collection calls from the creditors to retrieve the owed amount. There are many creditors who sell the debt to the collection agency when they fail to retrieve the owed amount. The collection agency often threatens the debtors to collect the outstanding balance by using abusive language as well as exercise illegal collection practices. Therefore, you are required to be aware of the consumer right bestowed by the Federal Trade Commission in order to save you from bad collection agencies.

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Some problems that the debtors constantly face are as follows:

1. Offensive language
2. Sharing debt information of the consumer with third party
3. Trying to collect more than the debtor actually owes and without validation of the debt.
4. Fake the debtors with forged legal papers in order to shock them.

What are the simple ways to protect against the threatening calls of the collection agency?

FTC has imposed FDCP Act to protect the consumers from the criminal debt collectors. If your debt collector is constantly harassing you retrieve the outstanding dues then you are required to keep the following points in mind.

1. The debt collectors cannot contact you before 8 am or after 9 pm unless you grant permission. You can lodge complaint against the collection agency if they violate the regulation enforced by FTC.

2. Without your permission the creditors cannot contact you for collection propose at your work place.

3. If the collection agency is constantly threatening you then send a certified letter to cease further communication. The collection agency can’t deny the fact that you have sent a letter as it will be evidence that you corresponded with your creditors.

4. Approach an attorney who can guide you regarding the consumer right in order to protect you from the creditors. If you are not aware of the Fair Debt Collection Practice Act (FDCPA) then your lawyer can show you the right path. The creditors will avoid harassing you when you are represented by your attorney. You legal advisor will be a mediator between you and the collection agency.

5. The debtor can lodge complaint against the collection agency if he misrepresents the amount of debt actually owed.

6. According to Section 806(2), a debt collector can’t use abusive language. The collection agency will be violating the rule if he behaves rudely with the debtors.

7. The rogue debt collectors can constantly threaten and compel you to own up that you actually owe the debt that they are collecting. If you are facing a similar situation then you can ask the collection agency to validate the debt before you start paying. Unless the debt collectors provide proper documents to validate the debt till then you are not required to pay. You can file complaint against these collection agencies for forgery.

The debtors are required to be aware of the FDCPA enforced by the FTC in order to combat against the unruly collection agencies. If you find the collection agency is violating the FTC regulation then you can lodge complaint against the debt collectors at the Attorney General’s Office (www.naag.org) or with the Federal Trade Commission (www.ftc.gov).

Remember, if you plan strategically then it will not be a tough job to manage the rogue debt collectors. The collection agencies will not bother you any more if you are clam and know your rights.

How to Start Criminal Lawyer Career

While protecting the Right of Individuals, only legal system plays a very important and fundamental role. Only a Criminal Lawyer has the power or opportunity to work in the prosecution and legal defense for their clients. Working in the legal profession is most challenging field but lucrative too. Criminal lawyers always protect and defense the accused who are charged with a criminal cases. They present  advocate and evidence for their clients for arguing in their favor at court and also protect the rights of their clients. Criminal lawyers  has path that they follow a strict code of conduct and ethics, like other lawyers.

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Educational Measures For Successful Career as a Criminal Lawyer:

Criminal Law Degree
To become a criminal lawyer you have to complete 4 years of university study followed by 3 years of the Faculty of Law. Courses taken at a number of different areas is considered an asset. courses includes: English, social studies, political science, public speaking, government, philosophy and history. These courses are very helpful in Law studies. While studying law, you  may also work in some area of ​​criminal law for experience.

LSAT EXAM
First you have to take the entrance exam for law school or LSAT. The LSAT exam is used as a standard assessment tool for law schools. The LSAT is given four times a year at hundreds of locations in North America. The test is designed to assess the propensity of the applicant to practice law.

Criminal Law Practice
Law schools acceptance depends on LSAT scores of the applicant. Is also includes applicant's school of continuing education in the community and previous work or volunteer experience. Without passing the bar exam, you can not practice law. Different states has their own bar exam. It is compulsory for graduates to pass the bar exam in the states where they intend to practice law. After passing the bar examination , candidate will be granted a license to practice law and he/she can begin to practice law in the State Criminal. Many states also require applicants to pass a separate written ethics. Graduates Lawyer will start their career individually or as partners working with experienced criminal lawyers or judges, depend on their own choices.

Criminal Law Career

Criminal law is a successful career choice, if you are having a deep interest in it. Criminal law is also a tough race but it plays an important role to maintains judicial system maintains and promotes justice, equality and safety for all.

Purge Voters From Their Voter Registration : Florida

The Civil Rights Division of the Department of Justice has ordered the State of Florida to try to halt a worrying purge voters from their voter registration, which eventually deny the participation of legitimate voters, especially Hispanics in the 2012 elections.

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The federal government made the warning that the process of checking the lists of the Department of Highway Safety and Motor Vehicles with the Voter Registration System of Florida to rule voters would violate two basic laws:

• The Bill of Rights Voter Act 1964 and
• The National Voter Registration 1993

The Floridian authorities response has been to challenge the federal and continue the process of digging listings and decanted through a sieve, which is also independent advocacy organizations of voters considered questionable. The federal government has been adamant in pointing out that it is illegal voter registration lists, which are purged 90 days before an election and in the case of Florida are being violated terms with the primaries to be held on August 14.

Inquiries made by the Miami Herald of Miami and The Tampa Bay Times, have shown that the purge has disproportionately affected Latino voters and Democratic voters. A Herald analysis found, among a list of 2,600 potential voters considered to be ineligible by the state, that about 60% were Hispanic.

The media has revealed that the electoral authorities of Miami-Dade, 1.570 sent warning letters to potential voters irregular of which the third party said in an expeditious manner as citizens, with undeniable right to vote. This mess was started by Florida's Republican governor, Rick Scott, who asked the state election system manager Kurt Browning, who purged the lists to remove registered voters who were not citizens. Suddenly, it is projected that 182000 individuals would be enrolled illegally in the list of voters of Florida.

The figure could be interpreted as trivial in a universe of about 12 million Florida voters, but every vote is precious in the state that decided the 2000 presidential election by just 537 votes, when the census was also purged. Florida is not an isolated case: the voting rights advocates say that across the country there is a movement to undermine the voting power of minorities.

32 states have proposed legislation to issue and present voting compulsory photo identification to cover, something that has not been a national tradition. Opponents of the project argue that the objective of the legislation is to exclude African, American and Hispanic precincts.