Comments on: Understand the Psychology of Debt Collection Tactics and Avoid Being Manipulated http://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/ Personal Bankruptcy tips and tricks moderated by Atlanta lawyer Jonathan Ginsberg Tue, 17 Jan 2012 01:57:46 +0000 hourly 1 By: Susanhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-12302 Susan Thu, 08 Jul 2010 07:25:43 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-12302 <p>Hi Jonathan,</p> <p>There is much solace to be drawn from the fact that in the United States, all consumer debt collection is governed by the Fair Debt Collection Practices Act that is enforced by the Federal Trade Commission. The Act demarcates clears “Dos” and “Don’ts” for debt collection by enlisting consumer debt collection laws. In fact, the Federal Trade Commission has a web page that answers frequently asked questions about debt collection. Here is a link to that page: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm</p> <p>Best Regards,</p> <p>Susan</p> Hi Jonathan,

There is much solace to be drawn from the fact that in the United States, all consumer debt collection is governed by the Fair Debt Collection Practices Act that is enforced by the Federal Trade Commission. The Act demarcates clears “Dos” and “Don’ts” for debt collection by enlisting consumer debt collection laws. In fact, the Federal Trade Commission has a web page that answers frequently asked questions about debt collection. Here is a link to that page: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Best Regards,

Susan

]]> By: BankruptcyBill.us » Blog Archive » BLT (Bankruptcy Lawyer Topics): “Collectors” – by Matt Leichter, Esq.http://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-12207 BankruptcyBill.us » Blog Archive » BLT (Bankruptcy Lawyer Topics): “Collectors” – by Matt Leichter, Esq. Fri, 28 May 2010 20:17:08 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-12207 <p>[...] Understand the Psychology of Debt Collection Tactics and Avoid Being Manipulated [...]</p> [...] Understand the Psychology of Debt Collection Tactics and Avoid Being Manipulated [...]

]]> By: Anthonyhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-11575 Anthony Thu, 29 Oct 2009 20:07:05 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-11575 <p>@<a href="#comment-10509" rel="nofollow">Vince Brown</a>: Only a debt collector takes the perspective of a debt collector.</p> @Vince Brown:
Only a debt collector takes the perspective of a debt collector.

]]> By: Inside the Belly of the Beast - How Debt Collectors Thinkhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-10681 Inside the Belly of the Beast - How Debt Collectors Think Wed, 07 Jan 2009 02:53:53 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-10681 <p>[...] in February, 2007, I wrote a blog post entitled Understand the Psychology of Debt Collection Tactics and Avoid Being Manipulated.  In this article I noted that bill collectors use techniques identified by psychologists to [...]</p> [...] in February, 2007, I wrote a blog post entitled Understand the Psychology of Debt Collection Tactics and Avoid Being Manipulated.  In this article I noted that bill collectors use techniques identified by psychologists to [...]

]]> By: Vince Brownhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-10509 Vince Brown Wed, 05 Nov 2008 15:12:00 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-10509 <p>Wow if you owe money and you cant pay why answer the phone...think about it can it really get any worse if dont answer.... that will preven any info from ever being used againist you...try just paying the bill it works instead of making a philosphy of how the debt collector trys to collect...only a true debtor would worry more about how the debt collector is emotionally impacting you then just getting the money you know you owe paid off...huh ever thought of that PAY YOUR BILLS and you wont be a DEBTOR....sounds like a good idea to me...</p> Wow if you owe money and you cant pay why answer the phone…think about it can it really get any worse if dont answer…. that will preven any info from ever being used againist you…try just paying the bill it works instead of making a philosphy of how the debt collector trys to collect…only a true debtor would worry more about how the debt collector is emotionally impacting you then just getting the money you know you owe paid off…huh ever thought of that PAY YOUR BILLS and you wont be a DEBTOR….sounds like a good idea to me…

]]> By: Steve "The Debt Settlement Man" Bhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-4659 Steve "The Debt Settlement Man" B Mon, 11 Jun 2007 18:53:46 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-4659 Very true indeed. These people know how to get the info out of a debtor that they need, to then use it against them later in an attempt to collect the debt. An alternative to bankruptcy is debt settlement and by using a law firm to handle the settlement for you, they can stop collection calls. According to the FDCPA when you have attorney representation the collectors must deal with your attorney and not you. Very true indeed. These people know how to get the info out of a debtor that they need, to then use it against them later in an attempt to collect the debt. An alternative to bankruptcy is debt settlement and by using a law firm to handle the settlement for you, they can stop collection calls. According to the FDCPA when you have attorney representation the collectors must deal with your attorney and not you.

]]> By: Jonathanhttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-4646 Jonathan Wed, 14 Feb 2007 18:51:01 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-4646 Well, Diane, I stand corrected. Here is an article that references the people you speak about: http://www.myvesta.org/history/history_debtorprison.htm. I should know better than to guess - I was a history major after all! Thanks for correcting my mistake. I think that Chapter 13 may be a new debtor's prison, especially for debtors in the $65,000 to $100,000 income range. Jonathan Well, Diane, I stand corrected. Here is an article that references the people you speak about:
http://www.myvesta.org/history/history_debtorprison.htm.

I should know better than to guess – I was a history major after all!

Thanks for correcting my mistake. I think that Chapter 13 may be a new debtor’s prison, especially for debtors in the $65,000 to $100,000 income range.

Jonathan

]]> By: Dianehttp://www.thebklawyer.com/thebkblog/2007/02/13/understand-the-psychology-of-debt-collection-tactics-and-avoid-being-manipulated/#comment-4645 Diane Wed, 14 Feb 2007 18:40:38 +0000 http://host.jonathanginsberg.com/~thebklaw/thebkblog/?p=112#comment-4645 Uhhmm.. the US did have debtor's prisons, and there were a few notable historical figures who spent time in debtor's prison - Charles Goodyear and Robert Morris (signer of the Declaration of Independence). Thankfully they were abolished at the federal level in 1833 and most states followed suit. Some now characterize Ch 13 under the 2005 bankruptcy law as the new 'debtor's prison' ! Uhhmm.. the US did have debtor’s prisons, and there were a few notable historical figures who spent time in debtor’s prison – Charles Goodyear and Robert Morris (signer of the Declaration of Independence). Thankfully they were abolished at the federal level in 1833 and most states followed suit.

Some now characterize Ch 13 under the 2005 bankruptcy law as the new ‘debtor’s prison’ !

]]>