Over the past several years I have noticed a trend with collection agencies and military members. As soon as they find out you are Active duty the threats escalate. Many creditors threaten to notify your chain of command, garnish your pay, take you to court, ect. I have even heard of creditors showing up at the soldiers units, threatening legal action. This is rediculous. Firstly, it is illegal for a collection agency to threaten suit if they are not truly going to follow through with their actions, according to the FDCPA. It is also illegal for them to come to your place of employment, or to even call your place of employment. All you have to do is notify them in writing and request they only correspond via mail.
If a creditor is threatening you, fight back. It is their job to prove you owe any debt. That means PAPERWORK!!!! Most of the time accounts are sold over and over and the collection agencies don't possess a single shred of evidence connecting you to the account they are holding. Surprised!
If you receive notification of debt collections, dispute and request validation. "SHOW ME THE MONEY" . Make them show their cards, it is your right to request this information and according to the FCRA they have to show it to you. Once again out of time. I will post another helpful tip soon. As a veteran myself, I love helping soldiers any way I can.
You can also visit my site at afs3cash1.com. We are making some changes so be patient.
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