Did you know?
That 90% of credit cards contracts cannot be verified and or validated.Banks keep horrible records and will not be able to produce all documents from the inception of the account and surely will not be able to produce a signed amendments of terms.
Did you know?
That when you hire an attorney to eliminate your debt you're not allowed to pay your credit card bills,and the creditor under the federal law (FCRA) cannot negatively impact his/her credit rating.
Did you Know?
That a banks need to show a clear offer and acceptance to ALL original terms and conditions as well as any subsequent amendments. So if a creditor every raised your interest rate without your written consent, that is illegal.
Did you know?.
While the bank is gathering documentation they must stop all attempts to collect the debt by any means. If the persist with phone calls, statements or late fees, they are in clear violation of the law. (FCBA, FCRA, FDCPA)
Did you know?
Because banks are overstaffed with poorly trained employees, they rely on collections and broad computerized process. They violate the law by sending the client statements and charging late fees which negatively impact the client's credit rating. Each one of these is a violation and the attorney will immediately file a lawsuit on the client's behalf. Every violation means $1,000 in damages to the client plus attorney fees to the law firm in excess of the alleged debt.
Did you know?
That under the TILA (Truth in Lending Act) The bank must also make all terms clear and understandable, the consumer must be able to recreate the banks math with a pen, paper and calculator. The consumer must understand completely all costs associated with extension of credit.
Did you know?
That the National Consumer Advisory has helped consumer in the past 6 years eliminate their debt with no derogatory in their credit report. They have eliminate over 500 million dollars in unsecured debt and have awarded $6 million dollars in damages to their clients.
If you would like to learn more visit MyDebtConsolidation.co
Here are some links to FTC Documentation:
FDCPA
FCRA
Contact the National Consumer Advisory to get a Federal Contract attorney.
The number is 877-828-6659, fight for your Consumer Rights.
FCBA
TILA
