Debt Collector – CTXETG http://ctxetg.com/ Thu, 17 Nov 2022 18:29:53 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://ctxetg.com/wp-content/uploads/2021/06/icon-150x150.png Debt Collector – CTXETG http://ctxetg.com/ 32 32 News5 viewer avoids losing money over suspicious call to debt collector https://ctxetg.com/news5-viewer-avoids-losing-money-over-suspicious-call-to-debt-collector/ Thu, 17 Nov 2022 12:05:09 +0000 https://ctxetg.com/news5-viewer-avoids-losing-money-over-suspicious-call-to-debt-collector/ COLORADO SPRINGS – Not everyone calling saying you’re in debt is legit. Federal Trade Commission investigators say they are often fraudsters who are simply trying to scare you into paying them. News5 spoke with one of our viewers who hopes his experience will help others protect their wallets. This unexpected phone call could happen to […]]]>

COLORADO SPRINGS – Not everyone calling saying you’re in debt is legit. Federal Trade Commission investigators say they are often fraudsters who are simply trying to scare you into paying them. News5 spoke with one of our viewers who hopes his experience will help others protect their wallets.

This unexpected phone call could happen to any of us. Deb Chamberlain says she got a call from someone who knew a lot about her, threatening to put a lien on her house because she owed them money, but after some research she says it’s was wrong.

“I could have answered it but again I didn’t recognize it so I just let it go to voicemail and then I came back and listened and it was quite shocking” , Chamberlain said.

The caller left an aggressive voicemail saying a lien had been placed on his property and further action was being taken if Deb did not pay immediately.

“I had 24 hours to rectify it, or a lien was going to be put on my house, they were going to seize my wages, go to my place of work, and also stop at my house where they actually had the right street, ” , Chamberlain said.

She did not return the call, instead she contacted the El Paso County Sheriff’s Office and the El Paso County Clerk and Recorder who had no records for any of the claims made. by the random caller.

“I feel like my privacy was invaded because they had a lot of information that I don’t know where they got it from,” Chamberlain said.

The clerk and archivist’s office say they’ve heard of experiences like this before and that Deb did the right thing.

“We see this stuff in the community as an ebb and flow. You will see it appear for a few days and then it will disappear for months,” said Chuck Broerman, El Paso County Clerk. “Make yourself comfortable, contact our office, our check-in department and we can give you the best of yourself. »

Deb says she’s worried someone would pick up a call like this and be surprised to answer immediately, perhaps paying off a fraudster. That’s why she shared her story with News5.

“I’ve seen some of your other reporting and that’s what prompted me to call Channel 5,” Chamberlain said. “I feel like if people shared these kinds of stories more often, we could prevent some of them from happening as often.”

It can be difficult to identify a legitimate debt collection call from a fraudster. The FTC outlines some of the steps you can take to verify the call and protect yourself.

A caller can be a fake debt collector if he…

  • want you to pay off a debt you don’t recognize
  • refuse to give you their postal address or telephone number
  • pressure you or try to scare you into paying by threatening to report you to law enforcement or arrest

Learn more here

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Watch KOAA News5 anytime, anytime with our free streaming app available for your Roku, FireTV, AppleTV, and Android TV. Just search KOAA5 Newsdownload and start watching.

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Debt Relief Guide | The bank rate https://ctxetg.com/debt-relief-guide-the-bank-rate/ Mon, 14 Nov 2022 22:33:12 +0000 https://ctxetg.com/debt-relief-guide-the-bank-rate/ Have you tried different approaches to paying off your debt, but not having much luck? Or maybe your monthly payments are too high for your budget. Either way, you’ve probably considered looking into debt relief options to get your finances back on track. There are several methods to choose from, but not all of them […]]]>

Have you tried different approaches to paying off your debt, but not having much luck? Or maybe your monthly payments are too high for your budget. Either way, you’ve probably considered looking into debt relief options to get your finances back on track.

There are several methods to choose from, but not all of them may be ideal for your finances. Some might have negative financial consequences that might be difficult to overcome.

Debt relief refers to a tactic that can be used to make your debt load more manageable. Many consumers are considering different forms of debt relief to get more affordable monthly payments, a lower interest rate, or to pay off what they owe faster. Some debt relief methods involve settling with creditors for less than you owe, or you can file for bankruptcy to wipe the slate clean in some cases.

Unfortunately, debt relief services can often mean bad news for your finances. Some consumers enter debt relief programs that they cannot complete or fall victim to the tactics of scammers. Either way, you could find yourself in an even deeper debt hole. Some debt relief programs can also hurt your credit scores, especially those that suggest you stop paying while you sign up or pay only a fraction of what’s owed to settle the outstanding balance.

Not all forms of debt relief are suitable for all consumers. it depends on your current indebtednesscredit rating, interest rate and financial situation.

Debt Consolidation

Debt Consolidation is to merge multiple accounts into one to streamline the repayment process, save on interest, and possibly pay off your debt sooner. This approach can work if you have good or excellent credit and may qualify for a debt consolidation loan or a balance transfer credit card.

Ideally, the debt consolidation loan will have a better interest rate than what you are currently paying on all your debts. If you choose to use a balance transfer card, it’s best to pay back the amount you transfer within the promotional APR period. It usually lasts between six and 21 monthsand the remaining balance will start earning interest at the card’s variable rate after that period.

Debt settlement

You can negotiate with your creditors to settle your debts or hire a company to do it for you. If you choose the latter, the debt settlement company will ask you to make a fixed monthly payment into a dedicated account. These funds will pay creditors and cover their costs as settlement offers are made.

In the meantime, some debt settlement companies will also advise you to stop paying minimum monthly payments to creditors to speed up the process. In turn, your credit score will be hit when missed payments show up on your credit report. However, there is no guarantee that your creditors will accept settlement offers, whether you negotiate alone or that a debt settlement company handles the negotiations.

Your credit score will be negatively affected as accounts are settled, as they will appear on your credit report as “partially paid” instead of “paid in full”. That being said, this approach can be risky for your finances.

Debt forgiveness

Some creditors and lenders offer debt forgiveness options for borrowers facing financial difficulties. You may be eligible to have all or part of your balance on your student loan, credit card or mortgage canceled. When you enter into a settlement agreement, this also constitutes debt forgiveness on the portion of the balance that the lender will not recover.

Debt cancellation may sound attractive, but it can also have disastrous consequences. Your credit health could take a hit and you could get a tax bill if the amount handed over is subject to tax.

credit advice

Credit counseling is available through non-profit agencies, often free of charge. You will meet with a credit counselor to review your finances. During the meeting, they will also work with you to create a plan to better manage your income, expenses, and debt. They may also suggest other alternatives, such as a debt management plan, to get your outstanding debt under control.

Debt management plan

A debt management plan (DMP) is a two to five year roadmap designed to help you get out of debt faster. You will repay the full amount you owe, but the credit counselor will work with your creditors to negotiate concessions, including fee waivers or reduced interest rates.

If creditors accept the plan, you will begin making the monthly payment specified in the DMP to the credit counseling agency. They will divide this amount between the creditors each month according to the payment schedule of the agreement. You should also be aware that creditors will most likely close your accounts when you register for a DMP. Also, you probably won’t be allowed to apply for new credit until the plan is complete.

Bankruptcy

Bankruptcy is a type of debt relief that should only be used as a last resort. The two most common forms of bankruptcy are chapter 7 (liquidation) and chapter 13 (reorganization).

Chapter 7 often requires debtors to liquidate personal assets to repay creditors. You won’t have to give up your assets under Chapter 13, but you will enter a payment plan that lasts three to five years before your debts under the bankruptcy filing can be paid off.

Be sure to consult a bankruptcy attorney before filing. Both will have serious consequences for your credit. Chapter 7 lingers on your credit report for up to 10 years, and Chapter 13 stays on for up to 7 years after the filing date.

Fraudsters know that consumers looking for debt relief may be desperate to find the help they need. Thus, they take advantage of the vulnerability of those who need help to scams it could cause even more damage to their financial health.

When looking for companies that provide debt relief services, avoid those that require upfront payment or make promises about debt settlement offers. It is also a red flag if the company:

  • Tells you to cease all forms of communication with your creditors and lenders
  • Promises to make your unsecured debt disappear or help you pay it off for pennies on the dollar
  • Suggests you use a ‘new government program’ to eliminate your credit card debt balances

You can also avoid scams by checking the company’s accreditation status with the National Foundation for Credit Counseling and the Better Business Bureau. Both platforms allow consumers to read the complaints they have received (if any). And be sure to visit your attorney’s office and research the company to confirm that it is licensed to operate in your state.

If you decide to go ahead with debt relief, weigh the pros and cons of each option to make an informed decision. Even if you’re inundated with constant calls and letters from collection agencies, do your research to minimize your chances of reaching a deal with a debt collector or creditor that doesn’t work for your finances or falling victim to ‘a scam.

Another caveat: avoid favoring unsecured debt over secured debt. Unsecured debts, such as credit cards, personal loans, and medical bills, are not secured by collateral. However, secured debts, such as auto loans and mortgages, are secured, meaning you could lose your assets if you fall behind on payments.

You also want to avoid taking out a home equity loan or home equity line of credit (HELOC) to pay off unsecured debt. These debt products use your home as collateral, putting it at risk of foreclosure if you fail to repay the loan.

Borrowing or withdrawing funds from your nest egg is also not a smart financial decision when looking to pay off debt. The more money you withdraw from your retirement savings, the more you’ll miss the opportunity to let compound interest work in your favor. If you borrow funds from your 401(k) and you lose or quit your job, the loan will become a withdrawal and you may have to pay taxes on the balance.

At the end of the line

If you are drowning in debt, there are debt relief options that can help. But not all offer the same benefits or suit your long-term financial health, and you could hurt your credit rating or end up worse off than you started. It is therefore essential to understand how each debt relief option works and weigh the pros and cons before choosing the best strategy for your financial situation.

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First Collect International provides the best debt collection services throughout Europe https://ctxetg.com/first-collect-international-provides-the-best-debt-collection-services-throughout-europe/ Sat, 12 Nov 2022 09:23:21 +0000 https://ctxetg.com/first-collect-international-provides-the-best-debt-collection-services-throughout-europe/ The First Collect International team is committed to providing world-class service to its customers. They take all the accounts because you need to collect your unpaid debt as it will be taken care of by a company that will work hard, never giving up until everything is settled! When the global financial crisis hit, many […]]]>

The First Collect International team is committed to providing world-class service to its customers. They take all the accounts because you need to collect your unpaid debt as it will be taken care of by a company that will work hard, never giving up until everything is settled!

When the global financial crisis hit, many people found themselves in debt. Only one organization can help with this – First Collect International! They provide credit check services and track customer obligations, so there are no serious consequences if they don’t pay them back before it’s too late! Credit cards are used for national and international debts. One way this can work in your favor is that if you were hacked by another company that owes the company money, they might be willing to negotiate more manageable refunds because their funds had already disappeared from those people. even before any legal action is initiated. !

A spokesperson for First Collect International recently said, “We are First Collect International and we provide credit monitoring services to businesses around the world. We’ve been in business for over 20 years now, and during that time we’ve learned how to manage debt and keep businesses financially healthy. Our team of experts is dedicated to ensuring the stability and profitability of your business. First Collect International is a business process outsourcing company that helps small and medium-sized businesses streamline their operations. We provide a wide range of services, from bookkeeping and accounting to customer service and marketing. Our goal is to help our customers focus on what they do best and leave the rest to us. We have been in business for over ten years and have a reputation for providing quality service at an affordable price. All of our employees are highly qualified and experienced in their respective fields, so you can be sure that you are getting the best possible service. Contact us today for a free consultation!”

Looking for debt collection in the Netherlands? Italian Creditors are generally deterred by strict laws in Britain, which prevent them from pursuing their debts there – but not anymore! First Collect International takes care of it and will take care of the business so that anyone who owes money has no excuse not to pay or explain further what they can do with our documents.

The spokesperson further said: “First Collect International is a company that specializes in helping businesses get their products delivered anywhere in the world. We have extensive connections across Europe and beyond, so we can ensure your products get to their destination quickly and efficiently. Additionally, we have a network of retained attorneys who can assist you with the legal procedures necessary to deliver your products. We want to help you succeed, so contact us today to learn more about our services!

Want to know more about a debt collection service in Italy? First Collect International is there for the job when you need someone to pay your debts. They have earned their reputation as reputable and dedicated collection agents who will collect everything from bad checks to overdue subscriptions!

About First Collect International

Want to know more about the best global debt collection company? There is an international debt collection agency that is sure to succeed – look no further than First Collect International. The company is a member of prestigious organizations such as CSA, ACA or IACC, representing the world’s leading financial companies on both sides of this transaction!

Contact information

First International Collection

38 High Road, South Woodford, London E18 2TX, United Kingdom

Tel: +44 (0)20 8532 9637

Fax: +44 (0)20 8532 9638

Website: https://www.firstcollect.com/

Media Contact
Company Name: First International Collection
E-mail: Send an email
Call: +44 (0)20 8532 9637
Address:34-36 High Road, South Woodford
Town: London E18 2TX
Country: UK
Website: http://www.firstcollect.com/

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How to Avoid Scammers Exploiting the Cost of Living Crisis https://ctxetg.com/how-to-avoid-scammers-exploiting-the-cost-of-living-crisis/ Tue, 08 Nov 2022 05:18:25 +0000 https://ctxetg.com/how-to-avoid-scammers-exploiting-the-cost-of-living-crisis/ NatWest issued advice for businesses to avoid scams FOR the fifth installment of our cost of living campaign with NatWest, we take a look at five scams that SMBs (small and medium-sized businesses) could fall prey to. Rising costs for businesses have created golden opportunities for scammers. Citizens Advice reports that more than 40 million […]]]>

NatWest issued advice for businesses to avoid scams

FOR the fifth installment of our cost of living campaign with NatWest, we take a look at five scams that SMBs (small and medium-sized businesses) could fall prey to. Rising costs for businesses have created golden opportunities for scammers.

Citizens Advice reports that more than 40 million people have been targeted by scammers this year, an increase of 14% from last year. Meanwhile, Action Fraud obtained figures from Which?, revealing that crime reports mentioning one of the ‘big six’ energy suppliers rose 10% in the first quarter of this year, compared to the same period last year.

Here are some of the most common new scams that businesses should be aware of:

1. Energy saving devices

Businesses looking to save on their energy bills could be targeted by fraudsters selling hardware solutions to rising energy costs. Who? says he found “no evidence” that any of the devices tested would reduce energy bills.

Look for a CE/UKCA mark on the product to ensure the item meets safety standards before plugging it in.

If you think you have been tricked, stop using it immediately.

If you paid by credit or debit card, you may be able to request a refund using chargeback or Section 75 of the Consumer Credit Act.

2. Insurance Broker Fraud

Fraudsters pose as insurance brokers and offer unrealistic offers. These “ghost brokers” accept payment for cheap insurance policies but never arrange cover. Over 500 cases of phantom brokerage, with losses totaling £1million, were reported to Action Fraud in 2021.

Beware of brokers who advertise cheap deals on social media or unsolicited SMS approaches.

Search the company name in the FCA website database. All legitimate insurance brokerage firms in the UK must be registered with the FCA.

If you think the company is fake, report it to the FCA and Action Fraud.

3. Fake debt collectors

The collapse of many energy companies has caused confusion in billing. If your business has been affected by a change in energy supplier, you could be the target of bogus debt collectors claiming non-existent debts.

Contact your energy supplier to ask if there is an outstanding debt on your account.

Beware if the collector asks you for information in relation to your supposed “debt” if legitimate, it is likely that he already has access to this information.

Do not be armed to make an immediate payment and research the debt collector online for information about his company.

4. Vouchers and Discounts

Several major supermarkets have warned customers about bogus voucher offers that prey on cost of living fears. A link in a fake email, text or social media post will lead someone to a survey, which asks for personal details such as login details and financial information, so they can receive coupons or refunds for goods and services.

Never click on a link unless you are sure it is safe.

Take a look at the official social media accounts of your favorite retailers and suppliers, they often post warnings to customers about bogus offers.

If you can’t find anything online, contact the retailer to let them know about the scam.

5. Reimbursement of energy tariffs

Action Fraud has issued a warning over fake text messages claiming to be from energy regulator Ofgem offering a £400 discount on their energy bills.

The scam has a basis in reality. In May, then-Chancellor Rishi Sunak announced that households with an electricity supply would receive a grant of £400, which would have to be paid in instalments and credited to their account. This scam asks people to click on a link to complete their grant application, including entering their bank details.

Ofgem will never text or email anyone to sign up for discounts or refunds.

Consider that your energy supplier already has your payment details and will never send an unsolicited email or text requesting them.

Read the full underlying email address or sender number, and don’t be afraid to call your energy provider, using the number on their website or your bill, to query the correspondence suspicious.

Next week we’ll hear from one of NatWest’s business banking managers in the South West about what it’s like to be an SME right now and what support is available for SMEs.

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Is it fair that the police arrest my brother for debt? https://ctxetg.com/is-it-fair-that-the-police-arrest-my-brother-for-debt/ Sat, 05 Nov 2022 16:12:02 +0000 https://ctxetg.com/is-it-fair-that-the-police-arrest-my-brother-for-debt/ Dear Mirror Lawyer, My brother was recently arrested by the police and detained. When I went to the police station, the officer in charge of the case informed me that my brother owes his business partner by the name of Alhaji Suleiman an amount of 10,000 GH¢ granted to my brother in the form of […]]]>

Dear Mirror Lawyer, My brother was recently arrested by the police and detained.

When I went to the police station, the officer in charge of the case informed me that my brother owes his business partner by the name of Alhaji Suleiman an amount of 10,000 GH¢ granted to my brother in the form of a loan to cushion his business.

According to the police, who I’m sure were bribed by Alhaji, my brother had refused to pay his money to Alhaji, hence the arrest.

My brother, in his defense, said the money, along with his trading capital, was deposited in his bank account held at the old UT Bank and he had since tried his best to recover, but to no avail.

Alhaji has been a long time friend of the family since the 80’s when we all lived in Fante New Town. I was shocked and completely disgusted that Alhaji could bring about the arrest of my brother who is like a son to him. Lawyer, is that how you treat a son?

The police haven’t done anything about it since the arrest and have kept my brother in cells for more than five days now without bringing him to justice. They claim that Alhaji wants my brother to be punished. We were allowed to bring him food, but that was the only help offered by the police in this case.

Are the police right to detain my brother for so long?

Patrick Tettey, Tema

Dear Patrick,
I understand that these are difficult times for your family and I sympathize with you.

The Police Service, as provided for in Section 190 of the 1992 Constitution, was established as a service for the prevention and detection of offences, the apprehension of offenders and the maintenance of public order and safety of people and property.

Despite so many challenges, the Police Service is doing a great job and deserves praise.

However, it is not for the police to arrest someone for loan default simply because it is not a crime under our laws. The police do not have the mandate, in our laws, to be a collection agent.

Therefore, it was against the law for the police to arrest your brother in a situation as you described it.

As you stated above, the police held your brother for up to five days and did not bring him to court for a hearing. Our Constitution clearly states that a person who is arrested, restrained or detained for the purpose of bringing them before a court pursuant to a court order or on the basis of reasonable suspicion of having committed or being on about to commit a criminal offense under the laws of Ghana and who is not released must be brought before a court within 48 hours of arrest, restraint or detention.

It is for this reason that the Supreme Court ruled in Martin Kpebu v. Attorney General (December 18, 2019) that certain courts must sit on weekends and holidays and even during strikes to protect the freedom of individuals.

The police cannot detain a person for more than 48 hours without bringing them before a court, regardless of whether they observe public holidays or weekends that have passed after the person was arrested, restricted or detained.

Furthermore, the Supreme Court also held in Cofie v Hermans (1997) that the police are not debt collectors and therefore do not have the power to arrest a debtor on a claim by a creditor in a civil case and keep that person in custody until the debt. is paid.

Their assertion that Alhaji wants your brother to be punished is an error of law and is not supported by any law. The police can even be taken to court for doing this.

Thus, the actions taken thus far by the police are unconstitutional, illegal and constitute a flagrant violation of your brother’s constitutional rights.

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Schuylkill River Murders: Man convicted in 2014 of kidnapping plot that led to murder of 2 brothers https://ctxetg.com/schuylkill-river-murders-man-convicted-in-2014-of-kidnapping-plot-that-led-to-murder-of-2-brothers/ Wed, 26 Oct 2022 09:05:46 +0000 https://ctxetg.com/schuylkill-river-murders-man-convicted-in-2014-of-kidnapping-plot-that-led-to-murder-of-2-brothers/ PHILADELPHIA CREAM — A New York man has been convicted of a kidnapping plot that resulted in the deaths of two brothers whose tied up bodies were found in the Schuylkill River eight years ago. The Philadelphia Inquirer reports that Jason Rivera, 36, shook his head as the foreman of a federal court jury that […]]]>

PHILADELPHIA CREAM — A New York man has been convicted of a kidnapping plot that resulted in the deaths of two brothers whose tied up bodies were found in the Schuylkill River eight years ago.

The Philadelphia Inquirer reports that Jason Rivera, 36, shook his head as the foreman of a federal court jury that deliberated for more than six hours announced guilty verdicts on Tuesday for conspiracy, kidnapping and extortion.

“This is crazy,” Rivera mumbled as his lawyer motioned for him to be quiet as the judge dismissed the court following the verdict, which carries a mandatory minimum sentence of life in prison, a reported the Inquirer.

The Queens resident was one of six men charged in what authorities described as a conspiracy that led to the August 2014 deaths of Vu “Kevin” Huynh, 31, and his brother Viet, 28, for a $300,000 drug debt.

Authorities said the brothers were kidnapped and tortured before being taken to the Schuylkill River, stabbed repeatedly, their faces covered in duct tape and their legs weighted with cement before being thrown into the water. A third man was able to flee and hail a passing motorist.

Defense attorney Thomas Mirigliano argued that his client had been wrongly accused and noted that no cellphone records linked him to the area on the night of the crime. He objected to prosecutors pointing to a tattoo on his forearm of a line from the 1990 film “Goodfellas” as evidence of his client’s role as a drug gang enforcer and debt collector.

Last year, Lam Trieu pleaded guilty to extortion, drug and conspiracy charges, admitting to contacting a longtime associate to collect a debt owed to a Californian marijuana supplier over drugs. presented to the brothers. He was not charged with kidnapping or murder.

Tam Minh Le, 52, from Vietnam, was sentenced to death in this case. Two other men are awaiting sentencing on federal charges in the case.

Copyright © 2022 by The Associated Press. All rights reserved.

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WISCONSIN STATE DOUGLAS SHORT CIRCUIT – Superior Telegram https://ctxetg.com/wisconsin-state-douglas-short-circuit-superior-telegram/ Fri, 21 Oct 2022 06:38:51 +0000 https://ctxetg.com/wisconsin-state-douglas-short-circuit-superior-telegram/ STATE OF WISCONSIN SHORT CIRCUIT DOUGLAS COUNTY Mortgage Assets Management, LLC c/o PHH Mortgage Corporation 1 Mortgage Way Mt. Laurel, NJ 08054 Plaintiff, c. Susan K. Carlson 7242 E Crossover Road South Range, WI 54874 Defendant. Subpoena No. 2022CV000211 Judge Kelly J Thimm Mortgage Foreclosure: 30404 THE STATE OF WISCONSIN, To each person named above […]]]>

STATE OF WISCONSIN SHORT CIRCUIT DOUGLAS COUNTY Mortgage Assets Management, LLC c/o PHH Mortgage Corporation 1 Mortgage Way Mt. Laurel, NJ 08054 Plaintiff, c. Susan K. Carlson 7242 E Crossover Road South Range, WI 54874 Defendant. Subpoena No. 2022CV000211 Judge Kelly J Thimm Mortgage Foreclosure: 30404 THE STATE OF WISCONSIN, To each person named above as a defendant: You are hereby notified that the plaintiff named above has sued legal action or other legal action against you. The complaint, which is also served on you, indicates the nature and basis of the legal action. Within 40 days of October 21, 2022, you must respond with a written response, as that term is used in Chapter 802 of the Wisconsin Statutes, to the Complaint. The court may reject or ignore a response that does not meet the requirements of the laws. The response should be sent or delivered to the court, whose address is Douglas County Courthouse 1313 Belknap St., Superior, WI 54880-2769, and to Codilis, Moody & Circelli, PC, plaintiff’s attorneys, whose address is 15W030 North Frontage Road, Suite 200, Burr Ridge, IL 60527. You may have an attorney to help or represent you. If you do not provide an appropriate response within 40 days, the court may enter a judgment against you for an award of money or other legal action requested in the complaint, and you may lose your right to object to anything that is or may be incorrect in the Complaint. A judgment may be executed under the conditions provided by law. A judgment awarding a sum of money can become a lien on any real estate you currently own or in the future, and can also be enforced by garnishment or seizure of property. As of: October 12, 2022. Codilis, Moody & Circelli, PC 15W30 North Frontage Rd, Suite 2000 Burr Ridge IL 60527 (414) 775-7700 50-22-00702 pleadings@il.cslegal.com Codilis, Moody & Circelli, PC Plaintiff’s Attorneys Electronically signed by Shawn R. Hillmann WI State Bar No. 1037005 Emily Thoms WI State Bar No. 1075844 NOTE: This law firm is a debt collector. (October 21 and 28; November 4, 2022) WNAXLP 113810

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Governments will eventually have to play tough with the debt scammers https://ctxetg.com/governments-will-eventually-have-to-play-tough-with-the-debt-scammers/ Tue, 18 Oct 2022 22:01:59 +0000 https://ctxetg.com/governments-will-eventually-have-to-play-tough-with-the-debt-scammers/ Normal people may have experienced the weirdness of the Coronavirus with its lockdowns, masks, and restrictions pivoting to online shopping, Zoom meetings, and learning to exercise in their garages. And now they could lead a hybrid life between home and office and even live on a higher salary in a tightening job market. Yes, many […]]]>

Normal people may have experienced the weirdness of the Coronavirus with its lockdowns, masks, and restrictions pivoting to online shopping, Zoom meetings, and learning to exercise in their garages. And now they could lead a hybrid life between home and office and even live on a higher salary in a tightening job market.

Yes, many people’s lives have changed after the pandemic, but it seems the majority of normal people have come out of Covid with new and often improved lives, unless you ran a small business in CBD less populated, or if they are in debt due to lockdowns and other aspects that are killing businesses from the virus episode of 2020-22.

Many companies are now faced with creating a new business model to adapt to these pivotal, debt-carrying post-pandemic times that can be challenging. I know this is not a usual request, but grant a moment of compassion to governments and their leaders, who have faced the daily challenge of defeating the virus, keeping their economies going, dealing with complaints and find the money to make everything work.

Now they have to repay the debt generated by these Covid policies. In New South Wales, Prime Minister Dominic Perrottet is owed a billion dollars by many people he wants to vote for him in the March 25 election.

Interestingly, Opposition Labor Treasury spokesman Daniel Mookhey said the money needs to be collected and implies he will be the tax collector if they get the government job next year . Meanwhile, it’s hard for the Prime Minister and his treasurer Matt Kean to play hardball with many people, who could still be under a lot of financial pressure, while you’re down in the polls.

Of course, after the election, whoever wins will start raising the stakes on those who are in debt to governments across the country, because it wouldn’t just be a NSW problem.

So who are the debtors who have driven outstanding debts up 171% to over $1 billion? Take a look at this chart of the SMH and Revenue NSW.

How did it go, other than the fake tax or the handsome crooks always trying to game the system?

As the SMH
Lucy Cormack explained: “The Perrottet government has provided tax deferrals and reductions throughout the pandemic in response to the financial burden of the COVID-19 lockdowns.”

Daniel Mookhey told us why the next NSW government will have to stop playing Mr Nice Guy. “Every dollar of uncollected taxes leads to more debt and higher interest payments. NSW literally cannot afford a government without a strategy to raise this money,” he said.

For the most part, the money will be recoverable for an important reason.

“COVID-19 has affected customers’ ability to pay tax and almost all of Revenue NSW’s tax debt collection is individualised, to ensure the customer is at the heart of the process of finalizing government debt” , revealed a spokesperson for the State Revenue Department.

I guess Dominic doesn’t want to put businesses and households out of business, especially before an election. But one day after March 25, state debt collectors will come calling in New South Wales, and in time, debtors in other states won’t be spared either.

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Clarify communication between debt collectors and third-party vendors – DSNews https://ctxetg.com/clarify-communication-between-debt-collectors-and-third-party-vendors-dsnews/ Fri, 14 Oct 2022 21:27:05 +0000 https://ctxetg.com/clarify-communication-between-debt-collectors-and-third-party-vendors-dsnews/ Several courts across the United States review claims filed against debt collectors for alleged violations of Section 1692c(b) of the Fair Debt Collection Practices Act (“FDCPA” or the “Act”) and reaching conflicting conclusions. The Eleventh Circuit granted a rehearing and issued a newly revised opinion on October 28, 2021. Huntstein v. Preferred Collection & Mgmt. […]]]>

Several courts across the United States review claims filed against debt collectors for alleged violations of Section 1692c(b) of the Fair Debt Collection Practices Act (“FDCPA” or the “Act”) and reaching conflicting conclusions. The Eleventh Circuit granted a rehearing and issued a newly revised opinion on October 28, 2021. Huntstein v. Preferred Collection & Mgmt. Services, Inc.19-14434, 2021 WL 4998980 (11th Cir. 28 Oct. 2021).

About three weeks later (November 17e) the acting judges of the Eleventh Circuit voted to rehear the case en banc (meaning all judges will consider the case instead of just the panel of three), so they rescinded the notice dated October 28, 2021. Huntstein v. Preferred Collection & Mgmt. Services, Inc.19-14434 (11th Cir. November 17, 2021).

Even though the October 2021 revised opinion has been formally overruled, this article will discuss that opinion, including the extensive dissent written by Judge Tjoflat that will likely influence the Court’s decision when it reconsiders the case en banc. . We will also discuss another case from the Northern (Federal) District of Illinois (Eastern Division) that refused to follow the Revised Version (October 2021) hunstein opinion. Quaglia vs. NS193, LLC, Case No. 21C3252 (ND Ill. October 12, 20221). Once the Eleventh Circuit renders its en banc opinion on hunstein we’ll do a follow-up article discussing any relevant changes.

For your information or reminder, Section 1692c(b) (entitled “Communication with Third Parties”) of the FDCPA reads as follows:

Except as provided in Section 1692b of this Title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or to the extent reasonably necessary to effect judicial remedy after judgment, a debt the collector cannot communicate, within the framework of the collection of a debt, with a person other than the consumer, his lawyer, a consumer reporting agency if otherwise authorized by law, the creditor, the creditor’s lawyer or the debt collector’s lawyer.

15 USC § 1692c(b). The problem in both hunstein and Quaglia was whether the debtor in each case had standing to bring its claims in federal court. This is a determinative question that must be answered in the affirmative for a federal court to consider the case on its merits. Whether a claimant has standing under Article III is a very complex matter, the details of which are too advanced for the purposes of this article. In addition to other requirements (and simplifying the matter somewhat), a party may establish standing under Article III by showing that the claimant has suffered factual harm. A prejudice is in fact defined as “”an attack on a legally protected interest” which is both “concrete and particular” and “actual or imminent, and not conjectural or hypothetical””.

At a time hunstein and Quaglia the “concrete sub-element” was implicated because of the intangible nature of harm resulting from violations of Section 1692c(b). The issue raised by both courts was whether “concrete harm” arises when a debt collector violates section 1692c(b) by sharing the debtor’s private information with a third-party provider for the purpose of performing a administrative such as sending a letter. To answer this question, both courts looked to history and the judgment of Congress. This is where the similarities between hunstein and Quaglia end.

In hunstein, the three-judge panel assessed the historical element explaining that if the “alleged harm” was closely related to the “harm traditionally recognized as the basis of a claim in US courts”, then history favored a finding that the violation of § 1692c(b) constituted factual harm. As it did in its previous opinion, the Court found that the privacy breaches provided “a valid basis for tort suits in US courts” and that such suits were “sufficiently analogous” to the request of § 1692c(b) to make the injury resulting from a violation of law, although intangible, an injury in fact. Also, more conclusively, the Court found that Congress had identified invasion of privacy in the text of the statute as one of the harms against which § 1692 was intended to prevent, so that the Congressional judgment also favored a conclusion for Article III. The Court found that the debtor had standing under Article III and that the lower court’s removal based on lack of standing was improper.

In particular, Judge Tjoflat, one of the three judges of the hunstein panel, wrote an eight-page dissent (the original hunstein unanimous opinion) in which he explains that he “changed [his] the spirit” from the original hunstein opinion based on the opinion of the Supreme Court of the United States in TransUnion LLC vs. Ramirez. Judge Tjoflat explained “the Court’s ongoing analysis [in Hunstein] sweeps much wider than Trans Union would allow.” Similar to cases § 1692, the Court in Trans Union also dealt with non-material damage resulting from breaches of law in the context of standing under Article III. In Trans Union a class of debtors sued TransUnion (a consumer reporting agency) for its alleged failure to “use reasonable procedures to ensure the accuracy of [the debtors’] credit records…” in violation of Section 1681e(b) of the Fair Credit Reporting Act.

In its analysis of standing under Article III, the Trans Union The Court considered whether the inclusion of inaccurate information in a debtor’s credit report – without dissemination to a third party – constituted in itself concrete harm. The Court held that this was not the case since the analogous cause of action – defamation – required publication of the inaccurate information. The Court distinguished between debtors whose inaccurate credit reports were released “to third-party companies” and debtors whose inaccurate credit reports “were never released”. The Court explained: “The mere presence of an inaccuracy in an internal credit file, if not disclosed to a third party, causes no material harm.” The Court also rejected the debtors’ contention that “TransUnion ‘published’ the [debtors’] information internally… to TransUnion employees and suppliers who printed and mailed the mailings that class members received.

Although the Court noted that this argument had been dropped since it had not been raised for the first time in the lower court, it explained that such an argument “circumvents a fundamental requirement of an ordinary defamation action – publication – and does not have a “sufficiently close relationship” to the traditional tort of defamation to qualify for standing under Article III.” Of course, dissenting Judge Tjoflat found that this part of the Trans Union instructive opinion in hunstein where the only publication of debtor information was for a seller. To the dismay and disappointment of Judge Tjoflat, the majority hunstein identified the Trans Union The Court’s findings in this regard were non-binding dicta and declined to follow them. That being said, the Eleventh Circuit may come to a different conclusion when it rehearses the case en banc.

Contrary to hunsteinin Quagliathe Northern District of Illinois (agreeing with a New York court) relied on and cited the Trans Union dicta agreeing that the “mail provider theory” was an “unnecessary” argument since neither “intra-company disclosures” nor “print provider disclosures” have historically been recognized as “publications that may give rise to an action”. The Northern District also clarified, “…The need for the FDCPA arose due to collection abuse…” and was implemented to “…prevent collection agents from using truly offensive to collect a debt”. The Court declined to extend the FDCPA’s purpose to prohibit debt collectors from hiring “mail service providers to perform ministerial functions…especially when much of the process is presumably automated from our days”. These findings coincided with Justice Tjoflat’s dissent in which he explained that “the FDCPA was not intended to eliminate debt collection practices. This meant eliminating offensive debt collection practices.

The Eleventh Circuit’s decision to rescind its October 28, 2021 opinion and rehear the case en banc demonstrates the importance of this issue. Article III in the context of violations of section 1692c(b) has been the subject of much litigation, but not at the appellate level, where it would have precedential value, i. would be binding on other courts. Until a precedent decision is made, we are sure to see litigation continue on this topic, particularly if the Eleventh Circuit stands by its earlier ruling in favor of Article III. We will continue to update you on important developments.

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What are the demons in “Chainsaw Man?” https://ctxetg.com/what-are-the-demons-in-chainsaw-man/ Wed, 12 Oct 2022 17:40:54 +0000 https://ctxetg.com/what-are-the-demons-in-chainsaw-man/ Picture via Hulu Warning: the following article contains spoilers for Chainsaw Man first season, first episode, “Dog and chainsaw.” Chainsaw Man is Hulu’s new anime filled with bloody action and powerful social commentary. The story follows Denji, a desperately unlucky teenager trying to make ends meet as a devil hunter and things don’t go well […]]]>

Picture via Hulu

Warning: the following article contains spoilers for Chainsaw Man first season, first episode, “Dog and chainsaw.”

Chainsaw Man is Hulu’s new anime filled with bloody action and powerful social commentary. The story follows Denji, a desperately unlucky teenager trying to make ends meet as a devil hunter and things don’t go well for him. But what exactly are these demons?

Devils are vicious demons from hell, born out of humanity’s fears and collective consciousness. They are usually made up of bones, skin and internal organs and their names indicate what type of demon they are. Demons terrorize people, feeding on the blood and fear of humans and other demons, which heals and strengthens them. Devil Hunters like Denji kill them to protect humanity and earn money from this oppressive world. There are many demons all over the place Chainsaw Man canon that vary in power and nature, so it’s best not to assume that they all share the same motivations, and a few appeared in the first episode. Denji’s pet Pochita, for example, has a chainsaw built into its head, proving that some can even be domesticated. (More on that later.)

The first episode begins with a day in the life of Denji as he laments all the debt he has accumulated and what he had to give up. Denji’s father’s debts have been passed on to him and that doesn’t make his life any easier either. He goes on a mission to hunt a devil with his own pet Pochita. He finds the Tomato Devil, a giant tomato monster with many eyeballs and a vertical mouth and he gets to work, cutting it down with his chainsaw. He tells his employer that the seeds will have to be burned or they will grow back, and it seems like Denji really knows his stuff when it comes to his job.

In a flashback sequence we see when Denji first meets Pochita, he expects to be killed from the encounter. Instead, the little devil is injured and Denji offers his blood to him and Pochita bites him, restoring his vitality. Denji also makes a deal with Pochita. Since he helped save her life, he wants demonic power in return, and Denji is able to use Pochita as a chainsaw weapon.

Later, Denji is lured into a trap by the debt collector who wants the boy dead. He transforms into a huge zombie devil who has his own horde of zombies that he controls. These are people who accepted the debt collectors’ offer for more demonic power and became mindless minions controlled by the zombie devil. They attack Denji and their numbers overwhelm him as Denji laments that he just wanted a normal life.

Denji is dismembered and thrown into a dumpster (hard), and another flashback reveals that some demons can grab dead bodies. Denji tells Pochito that if that’s something he can do, then he wants his pet demon to have his body, which is both morbid and sweet. Luckily, Pochita has the ability to take control of her body. While lying in a dumpster, Pochita attaches herself to Denji’s dismembered body and her limbs reassemble. Denji and Pochita are able to communicate with each other and Pochita makes another deal with Denji, offering to give him his heart in exchange for his dream being fulfilled.

Denji gets up unscathed, except he now has a sawcord strapped to his chest, and when he is pulled, he becomes the chainsaw man with chainsaws on his arms and on his sharp-jawed face. He cuts through the zombies and leaps into the air to deliver the finishing blow on the Zombie Devil. As Denji faces the rest of the zombies, he notes that they have gone “full devil”, implying that the zombies’ old humanity has totally disappeared, and he finishes the job of destroying them without caring for their good. -be.

In the end, the Public Safety Devil Hunters arrive on the scene and believe that Denji is the last demon to be killed. But when Devil Hunter Himeno walks up to him, he asks for a hug, and when she agrees, his chainsaw accessories slip away. Denji is confirmed to be unpossessed, and he has the option of being killed as a devil or remaining a human within the organization. Denji chooses the latter, and after the life he had, no one could blame him.

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