Fresno CA – Maybe this is a pet peeve of mine. Or maybe it just seems ridiculous that someone would call a debtor over and over again asking to be paid, when they have already been told the debtor doesn’t have the money to pay them.

Or maybe it is the fact that I see countless examples of debt collectors breaking the Fair Debt Collection Practices Act. But, no one seems to care that they are breaking the law.

The Fair Debt Collection Practices Act forbids collectors from threatening to sue you, but then not following thru and actually filing suit. To get around this rule, they will use language that sounds legal, but isn’t.

In one situation, a debt collection firm in Buffalo, New York named their firm Hoffman, Weinberg & O’Brien to make it sound like they were a law firm. They would then leave messages on people’s answering machines.

They would say they were with the office of Hoffman, Weinberg & O’Brien and then say they may resort to future legal action. Or they would say they were calling about a pre-legal matter.

In addition, they would reference case number 8306042. If you didn’t know any better, you would think the case number was for an actual lawsuit against you. Scary, right?

In addition, if a debtor tells them not to call anymore, then they are supposed to stop calling. They just keep on calling anyways. This is another example of them not obeying the law per the Fair Debt Collection Practices Act?

I allege that they willingly and knowingly break the law repeatedly. This is why we put Number Seven onto the Homeowner’s Bill of Rights:

7. Stop the Debt Collector Harassment! The right to tell any and all debt collectors to stop calling and never receive a phone call from then again. In addition, this would include debt collectors that know the person’s phone number, but will call family members in an attempt to embarrass the debtor.

This is America people! Debtor’s prison was abolished two centuries ago! It’s time to update your activities to the Twenty-First Century!

Or take another example. A homeowner has never made a late payment in their entire life. They lose their job and find one in another state. The move, try to rent out their house, but can’t afford the payments.

They get behind on their mortgage payment and credit cards. They enter the world of non-stop harassment. Debt collectors call them non-stop. These people aren’t deadbeats. They are just struggling at the moment.

They won’t stop calling even when the debtor asks them to stop. They would pay if they had the money. But they don’t have it.

But, the people won’t stop calling. The constant phone calls make their home life miserable. Don’t you think it has gone too far?

I do. That’s why we need a Homeowner’s Bill Of Rights. Stop the debt collector harassment. What do you think? Please put your comments below.

Thinking about a loan modification?

Our Fresno loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at steph@stephgreenberg.com to request a Free Copy.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (559) 916-4382

Thanks for reading this, Stephanie Greenberg.

Stephanie is a Real Estate Agent at London Properties. Fresno Short Sales Realtor:

Phone: (559) 916-4382. steph@stephgreenberg.com.

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View My homes for sale at www.stephgreenberg.com.

Stephanie Greenberg specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis CA Loan Modification Help, Clovis CA Short Sales. Clovis CA Short Sale Realtor. Fresno CA Short Sales. Fresno Realtor.

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Stephanie Greenberg, London Properties, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

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This information on Fresno Loan Mod Help: Attn: Bankers. Stop harassing Americans for money they don’t have is provided as a courtesy to our viewers to help them make informed decisions.