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 | موضوع: ~*¤ô§ô¤*~الصحيفة الاقتصادية الأجنبية العدد (28)~*¤ô§ô¤*~بحاجة الى نواب  الأحد يوليو 11, 2010 3:53 pm | |
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موسى
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تاريخ التسجيل : 27/11/2008
| | موضوع: رد: ~*¤ô§ô¤*~الصحيفة الاقتصادية الأجنبية العدد (28)~*¤ô§ô¤*~بحاجة الى نواب الأحد يوليو 11, 2010 3:54 pm | |
| Debt
collectors get nasty
NEW YORK (CNNMoney.com) -- Debt collectors are getting
desperate and dirty
Harassing phone calls, abusive language and physical
violence are becoming a bigger part of business as
debt collectors struggle to round up money from
people who don't have it.
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"The American consumer is really hurting and
collectors are having to fight harder to get money," said Robert
Andrews, a senior analyst specializing in the debt industry at research
firm IBISWorld.
Complaints of harassment by debt collectors surged 50%
to 67,550 in 2009, according to the Federal Trade Commission. And they
are on track to jump 13% this year, based on the number of FTC
complaints filed in the first six months.
The No. 1 complaint is repeated calls, and it is not
uncommon for collectors to bombard consumers with back-to-back calls for
days, weeks, months and even years.
When debt collectors finally get someone on the other
end of the phone, they are more likely to use nastier language.
Complaints of debt collectors using obscene or abusive language spiked
35% last year.
A 55-year old New York woman, who asked to remain
anonymous, said a collection agent called her home repeatedly,
personally attacking her and her husband. When she refused to answer the
phone, the collector called her estranged sister, an ex-boyfriend and
her husband's ex-wife's mother.
"This guy was out of his mind and he kept calling and
calling, telling me 'you better talk to me, you deadbeat,'" she said.
"He was very threatening and the whole thing was just really unsettling
-- it made you wonder who was going to show up at your door."
She had reason to worry, since complaints of debt
collectors threatening -- or actually using -- violence more than
doubled last year, to 2,517.
Keary Floyd, an attorney who represents consumers at
the Floyd Legal Firm in Atlanta, said that while most of his debt
collection cases involve excessive phone calls, one of his recent
clients recorded a disturbing phone conversation where a debt collector
threatened that he or someone else would come to the client's house to
get the money in any way that he could.
"I heard it, and if any phone call was going to worry
someone, it would be that one," said Floyd.
Other aggressive tactics that are becoming more common
are debt collectors calling before 8 a.m. or after 9 p.m., demanding
more money than what is owed, revealing a consumer's debt to a third
party or threatening "dire consequences" like prosecution, jail time,
property seizure or job loss.
These practices are not just inappropriate, but they
are illegal under the FTC's Fair Debt Collection Practices Act, which
has been around since 1977.How healthy are your finances
An industry representative said the increase in
complaints of harassment should not only be attributed to desperate and
aggressive collecting agents, but to more consumers trying to cash in on
lawsuits.
"Certainly if debt collectors are being more
aggressive, they shouldn't be, but it's not fair to characterize the
actions of debt collectors as the only reason why there is an increase
in complaints -- they're not fully to blame," said Mark Schiffman, a
spokesman for The Association of Credit and Collection Professionals.
"There's a growing industry of consumer attorneys and
savvy consumers who have learned that they can sue a debt collector
fairly easily and collect very easily," he added.
Consumers are able to take a collector to state or
federal court for harassment, according to the FTC. If the debtor wins
the case, the collector is required to pay for any damages caused by the
harassment, such as lost income and medical bills.
Even if debtors can't prove monetary damages but are
able to prove harassment, they can receive up to $1,000 and are
reimbursed for the court and attorney fees. 
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موسى
Admin
المساهمات : 202
تاريخ التسجيل : 27/11/2008
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موسى
Admin
المساهمات : 202
تاريخ التسجيل : 27/11/2008
| | موضوع: رد: ~*¤ô§ô¤*~الصحيفة الاقتصادية الأجنبية العدد (28)~*¤ô§ô¤*~بحاجة الى نواب الأحد يوليو 11, 2010 3:56 pm | |
| <table width="100%" cellpadding="0" cellspacing="0"><tr><td class="posticon" bgcolor="red"><table width="100%" cellspacing="2"><tr><td class="posticon" width="90%"> </td></tr></table></td></tr></table><table style="table-layout: fixed;"><tr><td id="cell_852954599"> SKIKDA - Le ministre du Tourisme et
de l'artisanat, M. Smail Mimoune, a affirmé jeudi à Skikda que la
promotion du tourisme "est l'affaire de toute la société", la mission de
l'Etat étant de "contrôler, orienter et de réunir les conditions
nécessaires à la relance du secteur". Au cours d'une visite d'inspection
effectuée dans le cadre du suivi de la saison estivale, M. Mimoune a
précisé que les investisseurs privés se doivent pour leur part de
réaliser leurs projets dans les délais prévus et de fournir des services
de qualité.
</td></tr></table> | kingalgiers
| <table width="100%" cellpadding="0" cellspacing="0"><tr><td class="posticon" bgcolor="red"><table width="100%" cellspacing="2"><tr><td class="posticon">
19:27 - 07/10</td><td class="posticon"> </td><td class="posticon"> </td><td class="posticon" width="90%"> </td></tr></table></td></tr></table><table style="table-layout: fixed;"><tr><td id="cell_852954825"> ALGER- La production industrielle du
secteur public national a chuté de 2,7% au premier trimestre 2010, en
raison des mauvais résultats enregistrés par les secteurs des mines et
carrières et des industries manufacturières, selon l'Office national des
statistiques (ONS). Après une "légère" hausse de 0,4% en 2009, la
production industrielle du secteur public national, "a chuté au premier
trimestre 2010 enregistrant un taux de croissance négatif de 2,7%",
indique l'Office dans un rapport sur l'activité industrielle du 1er
trimestre. Cette tendance à la baisse, explique l'institution, "est due
aux contre-performances enregistrées par les secteurs des mines et
carrières (-9,7) et des industries manufacturières avec près de (-7 %)"
</td></tr></table> |
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