credit advocates law firm -fast track debit releif
COMSUMERS BEWARE DEBT RELEIF COMPANIES AND LAW FIRMS
CONSUMERS BEWARE-LAW FIRMS AND DEBT SETTLEMENT COMPANIES-BEEN SCAMMED (FLORDIA AND PA)
SCAMMED- CONSUMER BEWARE -I HAVE BEEN SCAMMED
DEBT SETTLEMENT COMPANIES AND LAW FIRMS
-FILE A COMPLAINT WITH ATTORNEY GENERAL OFFICE AND FEDERAL TRADE COMMISSION
IT ILLEGAL FOR LAW FIRMS or debt settlement COMPANIES TO CHARGE MONEY UNTIL SETTLEMENT IS MADE with CREDITOR.
NO- UP FRONT FEES
PLEASE READ LINK BELOW
The Federal Trade Commission (FTC), the nation's consumer protection agency, has amended the Telemarketing Sales Rule (TSR) to add specific provisions to curb deceptive and abusive practices associated with debt relief services. One key change is that many more businesses will now be subject to the TSR. Debt relief companies that use telemarketing to contact potential customers or hire someone to call people on their behalf have always been covered by the TSR. The new Rule expands the scope to cover not only outbound calls -- calls you place to potential customers -- but in-bound calls as well -- calls they place to you in response to advertisements and other solicitations. If your business is involved in debt relief services, here are three key principles of the new Rule:
●●It's illegal to charge upfront fees. You can't collect any fees from a customer before you have settled or otherwise resolved the consumer's debts. If you renegotiate a customer's debts one after the other, you can collect a fee for each debt you've renegotiated, but you can't front-load payments. You can require customers to set aside money in a dedicated account for your fees and for payments to creditors and debt collectors, but the new Rule places restrictions on those accounts to make sure customers are protected.
●●You have to disclose certain information before signing people up for your services. Before people sign up, you must disclose fundamental aspects of your services, including how long it will take for them to get results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts, if you use them.
●You can't misrepresent your services. The new Rule prohibits you from making false or unsubstantiated claims about your services
WHO'S COVERED BY THE NEW RULE
The new Rule applies to for-profit sellers of debt relief services and telemarketers for debt relief companies. The new Rule defines a "debt relief service" as a program that claims directly, or implies, that it can renegotiate, settle, or in some way change the terms of a person's debt to an unsecured creditor or debt collector. That includes reducing the balance, interest rates or fees a person owes. The TSR defines "telemarketing" as a "plan, program, or campaign . . . to induce the purchase of goods or services" involving more than one interstate telephone call. Most of the provisions of the TSR apply to sellers and telemarketers, so the terms "company" and "provider" in this Guide refer to both. In addition, certain parts of the Rule apply to those who provide substantial assistance or support to sellers or telemarketers.
Some examples of debt relief services include:
►Calls to you in response to advertising -- consumer calls in response to TV or radio commercials; infomercials; home shopping programs; ads in magazines, newspapers or the phone book; online ads; billboards; or ads in other media .
►►Calls to you in response to most direct mail promotions
-- consumer calls in response to postcards, flyers, door hangers, brochures, "certificates," letters, email, faxes, etc., urging people to call about debt relief services.
1. How much your service costs and other important terms. Before someone signs up for your service, you must disclose all fees. If you charge a specific dollar amount, you must disclose that amount. If you charge a percentage of the amount a customer would save as a result of your program, you have to disclose both the percentage and the estimated dollar amount it represents for that customer. In addition, before someone signs up, you must disclose any material restrictions, limitations, or conditions on your services. If the sales presentation includes a statement about your company's refund policy, you must also include a clear and conspicuous disclosure of all terms and conditions of the policy. If you don't give refunds, the Rule requires you to tell people that before they sign up
FILE A COMPLAINT WITH FEDERAL TRADE COMMISSION
ALSO FILE A COMPLAINT ON YOU ATTORNEY GENERAL OFFICE ONLINE
BRUCE COLTON STATE ATTORNEY
Florida Bar Ass.
651 East Jefferson Street
Tallahassee, Florida 32399-2300
Toll-free ACAP Hotline: (866) 352-0707
PLEASE HELP AND CLOSE THESE DECEPTIVE LAW FIRMS DOWN AND DEBT SETTLEMENT COMPANIES