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According to the Federal debt Collection Practices Act (FDCPA), a debt collector cannot harass, abuse or threaten you while collecting a debt. Creditor harassment can take many shapes and forms and sometimes these creditors even neglects the FTC regulations while collecting debts. Consumers should know that they have some rights, which is there to protect them against creditor harassment. If a creditor harasses any debtor, he should immediately report it and take necessary legal steps.


1) Reach your creditors and never ignore any correspondence from their part, as doing this will just trigger the harassment. Even if you don’t have the required money to pay off your debt, at least talk to your creditors and explain your poor situation to them. If you want to solve the issue, try to come to a settlement.

2) Ask for a written letter confirming that you owe the money. If you have any doubt regarding the validity of the debt, tell your creditor to send something that will verify that you owe the debt. Your creditor must send you a verification of the debt within 30 days. Otherwise, must stop contacting you.

3) Inform the FTC if there is any kind of harassment by the creditor. As per the federal law, creditors and collection agencies cannot use profane language, threaten or misrepresent themselves over telephone. They can further never call a debtor before 8 a.m. or after 9 p.m. File a complaint against the collection agency if they break these rules.

4) Send a letter to your debt collector through registered post telling to stop calling you at home. Once receiving your letter, the collection agency should immediately stop calling you at home.

5) File for bankruptcy. Once you or your attorney file for bankruptcy, all communication regarding debt collection will stop immediately. Now, to collect the debt, the collectors have to appear at the bankruptcy court.

About The Author: The following article has been written by Angela Sanders. She is associated with Oak View Law Group (, A Trustworthy Bankruptcy Law Firm. She writes articles on various financial topics, such as Debt Consolidation, Debt Settlement, Bankruptcy, Investment Opportunities and Monetary Policies etc.

As the economy lags and everyone is waiting for things to return to normal, you have to take a survival approach to saving your business and preparing for the next decade.     Getting a complete financial restructuring will help you for the long haul… at this time ALL the major financial institutions are doing it to save themselves and so should you.    AnchorBay Financial has many new financing programs designed to help and keep you going while we recover as a nation.   Let us help and give you the financial resources nessessary for you to grow and prosper for decades to come. 

Learn how AnchorBay Financial can help your business stay afloat during these hard economic times.

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The American alternative energy market will only increase as local, state, and federal laws continue to increase demand for cleaner sources of fuel.  The current use of green energy is estimated to be at only 3-5% of the total domestic energy use, but will grow substantially in the coming years. This is a good thing because with the increased demand the technology will improve and become more cost effective compared to fossil fuels.  

Our green lending division can work with you to create the perfect financing option for your business.   We welcome any inquiries from manufacturers, suppliers, installers, and anyone else in the industry.


Read the full post on the our Blog:  Financing for alternative energy projects

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How can I plan for the future? Is this ever going to end? How can I mitigate the damage before it too late? Growing concerns and a lack of leadership can be the downfall to any good business. These questions aren’t easy to address, let Discount Capital Corp. help in the planning for the success of your future. There are a lot of people counting on it. Sometimes realizing that you need some help is the best business advice you can receive. Take some time to reevaluate your options. We may have some that you didn’t even know were available to you. Be sure to read up on equipment leasing, and commercial financing.


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CIT went bust despite a $2.3 billion lifeline from Washington — money that was vaporized in its bankruptcy. On Thursday, it will enter its post-bankruptcy era with less debt but some big questions about its future.

via CIT Leaves Bankruptcy With Less Debt but Many Questions –

If you need help with business financing options,we may be able to help – check us out at


Small Business Administration – ARC Loan Program.

Many businesses are unaware of new programs for small business financing made available through the federal government in September, 2009


We can finance anyone and right now during our Southern California Commercial Financing Stimulus Package promotion we are offering asset based lending to all SoCal business’s looking for 2m-10m of working capital.   We specialize in finance to the green tech industry including Solar Power Equipment, and Bio-Diesel Refineries.

Enquire on our website contact forms or by calling (877) 346 – MONY

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Are you looking for financing for your SoCal business? AnchorBay Financial has joined forces with a huge overseas bank that is seeking to invest tons of capital into Southern California. We are actively and aggressively seeking manufacturers, distributors, etc… who are looking for financing in the range of $2,000,000 – $10,000,000. Asset based lending can be the answer to your companies financial troubles, call us to discuss how we can finance your new or used equipment as well as restructure your current debt into a more manageable note.

Refinance Programs for the Good, Bad and the Ugly

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Phone: (877) 346-MONY(6669) Fax: (714) 848-9604


Things are starting to look a little better… There’s light at the end of the tunnel. But, it’s not shinning bright enough. I need some new equipment to bid on some new industries I found. Where can I get enough capital to make this a success? Equipment Leasing in a very viable alternative to get what you need quick and easy.

No large down payments or upfront cost like with my local bank that only wants to help you as long as you DON’T need it. You’ve got to stay aggressive and diligent in pursuing new ventures. It’s the 80-20 rule… 80% of the people do 20% of the work… don’t wait. Be in the 20% group and get the job done.

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Looking for some more performance from that old boat? Do u want a cost effective option instead of repowering your vessel? Put down your dingy and get the latest technology… bolt on power!!! It doesn’t get any better or easier than this. I’ve noticed a lot of people are inquiring to there local yacht dealers about this option and when will it be available. Hopefully soon, We’re searching for the right manufacture that can take this project to the next level.

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