We’re going to spend the next couple of blogs talking about the importance of contacting your representatives. We all know that these people are supposed to be working on our behalf, but do we make sure to let them know what that behalf is? The people we elect to go to Washington D.C. or your state capitals were elected to go there and speak on your behalf. Let them know what you feel is important.
If you, like me, have experienced harassing phone calls, voice messages, and other illegal debt collection practices by debt collectors, you need to let your government representatives know about this and that they move to stop it.
How can they stop it?
First of all, your state justice department can investigate some of these agencies (as has been done recently in California and Georgia) engaging in illegal debt collection activities and stop them. They need to know what is going on.
Second of all, you can join with me to get Congress to close the loopholes in the debt collection process. Too many holes in the laws make it easier for agencies to get away with harassing acts that only hurt American families who have fallen on hard times. By spreading the word and signing my petition, we can go to Washington and tell them that the American people have spoken and want changes. I am prepared and eager to do that. I just need your help. What changes, exactly? Here is what I want to change with this debt collection reform petition:
We hereby petition Congress to amend the current debt-collection rules by adding the following provisions:
- Increase the penalty for violations of debt-collection rules from the current $1,000 to $10,000 for each violation.
- Ban all collection activities on debt that is older than the relevant statute of limitations.
- Raise the requirements necessary to file a lawsuit on credit-card debt.
- Require collection agencies to provide clear and understandable history of debt.
- Require all collection agencies to be licensed.
- Require all collectors to be licensed.
- Require an annual compliance audit for all collection agencies.
- Allow consumers to record telephone calls from collection agencies.
In our next blog, we will give you even more information to make it easier to contact your Senators, Congress-person, and other state officials about debt collection and other pressing issues they need to be talking about on your behalf.
Remember, don’t be intimidated. These people work for YOU!