Re: Gulf State Credit

Posted by Kaylan on November 11, 2000 at 22:48:58:

In Reply to: Gulf State Credit posted by Jodi on October 18, 2000 at 02:09:02:

I went to this site and they said Gulf State is one of the worst collection agencies to deal with! You need to know your rights. I am now getting hit by them and I don't even know what it's for!!! I am trying to find a lawyer to help me just in case even though I can't even afford groceries have the time. It's so unfair.

Here is that site you must read:
http://www.budhibbs.com/avoid.htm

And here are consumer rights:

It Is Illegal For Debt Collector's To:

--Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
--Call consumers at work when they knew the consumers employers prohibited such calls;
--Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
--Cause the telephone to ring, or engaged a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
--Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
--Call consumers at times or places that they knew or should have known were inconvenient;
-- Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original credit
--Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
--Use obscene or profane language

Also read the Collection Agencies Frequently Asked Questions FAQ

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