cesarsforest.com

collection
How long does a collection agency have to legitimately collect a debt?

is there a specific statute of limitations on debt collecting? And if this time limit is up and a collection agency is calling and/or sending letters , how do you go about stopping this and getting it removed from your credit report? I live in Oregon.

Yes, they have to follow 2 sets of SOL. One is your states SOL which is the time frame they have to take the claim to court, the other is the time frame for reporting to the CRA’s

If the deb is beyond your state SOL, they can still demand payment, but can take no legal action. You would have to send them a certified letter stating the debt is beyond your states SOL and to cease communications.

Oregon’s SOL is 6 years on all debts. but the collection agency must report the TRUE date of delinquency (the date the SOL clock starts running) as defined by the FDCPA to whit:

As of December 29, 1997 the reporting period runs 7 ½ years (7 years plus 180 days) from the date (month and year) of the last delinquency (known as “last missed payment:).
So, regardless of how long a creditor waits to charge off, sell or transfer a debt, they must report the true and correct “delinquent or last missed payment” date (month and year) that preceded the creditor’s action.

Running of Reporting Period – Section 605 [15 U.S.C. § 1681c]

Remember this, if you send a payment in, then the clock resets the date for the SOL.

Some creditors will re-date a debt to keep it on ones credit report, this is ILLEGAL as per 15USC1681s-2] § 623. Responsibilities of furnishers of information to consumer reporting agencies

Here are some links to help you, they are from the FTC and none of those sites that provide info all the while promoting their pay for services.

http://www.ftc.gov/bcp/conline/pubs/alerts/timebaralrt.pdf

Information on time barred debts.

http://www.ftc.gov/gettingcredit/

What you need to know about your credit.

http://www.ftc.gov/bcp/conline/pubs/credit/crdright.shtm

Credit and your consumer rights.

I invite you to join the following Yahoo group “DontGetRippedOff” dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.

http://finance.groups.yahoo.com/group/dontgetrippedoff/

LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.

collection

What Is Collecting – Is It A Hobby Or An Obsession?

People collect, amass, store and hoard just about anything. Some are put up for display (like fine art), yet, others remain in attics and basement, sealed away forever. People collect just about anything including: marbles, coins, political memorabilia, cookie jars, autographs, sports memorabilia, jewelry, Pez dispensers, snow globes, stamps, vinyl records, sports cards, comic books, toys, ceramics, jewelry…. why the list is endless.

People have always collected something either as a hobby or an investment. In fact, one of the first American numismatists began collecting coins in 1817 and it was a collection of American cents from each year. But, coin collecting has a history going back to ancient times when the ancient Romans were interested in and collected Greek and Roman coins.

There have been many famous people who have collected one thing or another. It is reported that a certain U.S. attorney has amassed a collection of more than 200,000 railroad nails and a Russian countess collected bedpans that had previously belonged to rich and famous people. King Louis XIV of France thoroughly enjoyed his daily visit to the French Royal Coin Collection, noting that he could ‘always find something new to learn.’ In addition, actor Buddy Ebsen, who portrayed the loveable hillbilly Jed Clampett, was fond of collecting ancient coins. The flamboyant rock star Freddie Mercury, of the band Queen, was an avid stamp collector as a boy. Many famous musicians have huge vinyl record collections, including Peter Buck (R.E.M.), Peter Wolf (of the J. Geils Band), and Thurston Moore (Sonic Youth), just to name a few.

Many collecting hobbies have “sub genres.” For instance, collecting vinyl records can be divided into any number of specific categories. One could collect specific genres of music (Big Band, Jazz, Classical, etc.) or be partial to a particular record label such as Capitol, Reprise, RCA, Columbia and many others. Some may also collect 45′s, picture discs, record sleeves, colored vinyl records, picture discs….well, you get the idea. It is well known that famed pop artist Robert Crumb (who designed the famous album cover for Janis Joplin’s “Cheap Thrills” LP) was keen on collecting 78 rpm records and had amassed quite a collection.

Maybe you know someone who collects Pez dispensers. They may have famous celebrities, cartoon characters, specific colored ones, and different years of release and so on. Comic book collectors could also collect a specific type of comic, like super heroes, Archie comics, adult comics, Disney comics or even black and white comics from years gone by.

But, exactly why do people collect? They could gain a measure of satisfaction and pleasure from simply displaying the objects they collect. Sometimes, it is the nostalgia bug that compels people to collect items from a specific era. It could be an item that is associated with their childhood, a famous person or a world famous event. Some collect because of the intrinsic value of an item, and the fact that the item may be desirable to others and can command a profit if they sold it. An item could also have a specific provenance that could compel interest.

Now, is collecting an obsession or some form of “pack rat fever?” The Webster’s dictionary defines the word collect to mean “to gather (stamps, books etc.) for a hobby.” A collectible is something “that can be collected, suitable for collections; as by a hobbyist-any class of old things, but, not antiques, that people collect as a hobby.” It further states that a collector is “a person who collects stamps, books, etc. as a hobby.” Products are also manufactured with “collectibility” in mind, such as “limited edition” items like vinyl records, coins, art prints or even cookie jars.

Moreover, the collectible’s market has expanded in recent years and fueled by annual price guides, books on the subject, television shows, collectible conventions and Internet auction sites; the collectible’s market is now a global phenomenon. There are also professionals who specialize in a certain market and they share their expertise and help to even value these collectibles. There is a science of sorts in how people “grade” certain collectibles (i.e., mint, excellent, fair etc.) and most of the time condition is paramount. All these elements drive the market and help create a desirability factor for specific products and items.

But, the one element missing from the dictionary definition of “collecting” is the drive and passion that people may have for whatever they collect. So let’s go a few steps further with our definition of “collecting.” Let’s define it as: The art of acquiring items or products that you are specifically passionate about and want to retain, either for monetary gain or personal satisfaction. Let’s explore this definition in detail.

Is there an art to collecting? There certainly is. One must know where to find exactly what it is that they are seeking. Let’s assume you collect vinyl records. Is it best to place an advertisement in a trade publication, local or national newspaper, shop online, or pursue the rummage/garage sale methods? What about going to the “record conventions” that are held in major cities all over the country? Is that the best avenue to pursue? There is an art (some call it a science) to knowing where the best place is to find whatever collectible that you may be looking for.

Furthermore, in the dictionary definitions of collecting, a key term is missing, passion. There is a direct correlation to the drive and motivation a person feels and how successful they may be in acquiring their collectibles. This is a very important element, the enthusiasm a person has, the passion, is what makes whatever they may be collecting, an enjoyable experience. And, obviously the more they put into collecting, the more that they will get in return, not only in monetary terms, but, simply put, the more fun they will have pursuing their hobby.

So next time you shake you’re your head at your spouse, friend or family member and call them a “pack rat,” remember that they are not only passionate about what they are doing; but actually find a great deal of excitement and personal satisfaction in doing what they are doing. It is one of the most rewarding and pleasurable things a person can do.

About the Author

Author Robert Benson writes about rock/pop music, vinyl record collecting and operates
http://www.collectingvinylrecords.com
, where you can pick up a copy of his ebook called “The Fascinating Hobby Of Vinyl Record Collecting.” Visit his shopping site at
http://www.ezshoppinghere.com

The World’s Largest Record Collection

First Alert 3035DF Digital Locking Steel Security Box, 0.27 Cubic Foot, Black/Silver $41.99 Note:  Products are not available for Hawaii and Alaska States….

First Alert 2037F Fire and Water File Chest, 0.62 Cubic Foot, Gray $55.95 This UL classified First Alert media protection chest tested to withstand an external temperature up to 1550 degrees for 1/2 hour and independently verified to protect electronic media, such as memory sticks, CD’s, DVD’s and external hard drives. Waterproof even when fully submerged. Key Protector Chest Features: Interior Dimensions(HxWxD): 10.25 in. x 12.17 in. x 8.58 in. Stores standar…

First Alert 3040DF Digital Large Security Box, Black/Silver $53.99 Honeywell Security Lock Box with Digital Keypad. Lock it up… from important documents to your prized autographed baseball to your laptop, with the Honeywell Security Lock Box. And while you get BIG peace of mind, thieves just find one aggravating obstacle after another. 48″ security cable. State-of-the-art digital keypad. Double-steel wall construction. Plus, fire-retardant insulation provides a…

Passion of the Christ: Songs (Original Songs Inspired by the Film) $16.93 …

The Lost Soul $15.00 This CD features six new original works, two of them instrumentals, three traditional songs, and one borrowed tune. 1. Two Doves (Rathje) 5:232. Been All Around This World (trad. arr. Rathje) 3:123. Finn MacCool (Rathje) 3:534. The Lost Soul (trad. arr. Rathje) 2:545. Witch of the Westmereland (Fisher arr. Rathje) 4:146. Dobrology (Rathje) 2:547. Trout (Rathje) 2:408. Temperance Re…

Family $18.49 …

Charlie Rose – ‘What Just Happened?’ / Religulous (October 13, 2008) $24.95 A conversation about the film ‘What Just Happened?’ with Robert De Niro, Barry Levinson and Art Linson. || A conversation about the film Religulous with Bill Maher and Larry Charles.This product is manufactured on demand using DVD-R recordable media. Amazon.com’s standard return policy will apply….

Keyword Optimization – Complete Guide to Choosing Profitable Keywords for Your Website $14.95 Keyword research and optimization are one of the most important aspects in search engine optimization and rankings. One of the most common mistakes people make when creating a website or putting up an online business is believing they already know what keywords customers are using to find them. If you are not targeting the specific keywords your customers are searching for online, they will NEVER …

Quality Pay-Per-Click Traffic Video Series (2008, DVD) $49.99 The DVD includes the following videos: 1 – Understanding Quality Clicks Over Quantity Focusing on clicks that convert is more important than just the concept of getting a high CTR (Click Through Rate). The problem most beginners face is they are taught to use a keyword tool and just start adding tons and tons of keywords into the Adwords keyword list and Walla, some magical conversions will hap…

Ohio State Buckeyes Ladies Logo Hair Scrunchie $8.95 Ladies, pull your hair back and show your Buckeye team spirit with this team logo scrunchie!…

Bulbrite 1004 Miniature $3.99 0.94A 12.8V B6 D.C. BAYONET Base Miniature Light Bulb…

EIKO KPR102 – 2.4V .7A/B3-1/2 SC Mini Flange Base Miniature $4.98 …

First Alert 1.2 Cu. Ft. Theft Digital Safe $138.99 This First Alert 1.21 cubic foot safe is constructed of heavy gauge welded steel and is equipped with 2 live door bolts, pry-resistant heavy duty steel concealed hinges, a fully carpeted interior, and a removable/adjustable shelf. Key/Digital Safe Features: Programmable digital lock with override key. Pry-resistant concealed hinges. 2 locking door bolts. Fully carpeted interior. Inside dimensio…

Alfa AIP-W505 802.11n/b/g Wireless Broadband Router & Access Point with 4 LAN ports – Wireless-N WiFi WISP, Bridge, AP Router – Advanced Security Futures and Supports URL & Keyword Filtering $49.99 AIP-W505 PCB is the 1 x 10/100Mbps WAN + 4 x 10/100Mbps LAN Ports, 802.11n AP/Router that provide up to 150Mbps high speed throughput. W505 PCB is suitable for WISP applications such as AP/Router mode, WISP mode, WDS Bridge Mode, Wireless Bridge Mode and Hybrid Mode; it’s easy to management by user friendly web-based interfaceSpecifications:ManagementWeb-base management interfaceRemote managementS…

Micro Innovations Wireless Link Keyboard (TKB700U) $13.99 Designed for travel and easy collapse, this keyboard is ideal for any user on the go. Foldable design lets you conveniently enter large amounts of data quickly and effortlessly. Ultra-slim design looks sharp and saves space. Folds to go wherever you want. Works with most Palm OS and Pocket PCs. For Device Type: Palm OS;Pocket PCs; Wired/Wireless: Wireless; Maximum Wireless Range: NA;Connector/Port…

Samsung UN46C6300 46-Inch 1080p 120 Hz LED HDTV (Black) $1,699.99 The Samsung LED 6300: LED picture quality meets Auto Motion Plus 120HzTM Clear Motion Rate technology, with gorgeous results. The 6300′s LED Ultra Clear Panel absorbs ambient light and virtually eliminates reflections, for a more comfortable viewing environment. It’s beautiful form and function, complementing the most stylish of décor….

Samsung UN55C6500 55-Inch 1080p 120 Hz LED HDTV (Black) $2,799.99 What do you get when you combine Internet@TV with 120Hz Clear Motion Rate technology? The Samsung LED 6500. Get the best of the web, right on your HDTV, with downloadable and customizable widgets – and coming soon, Samsung apps. Connect to friends, share pictures, shop online and more. Samsung’s 120Hz Clear Motion Rate technology delivers smooth, natural action in every scene. Samsung LED backligh…

Samsung UN40C6300 40-Inch 1080p 120 Hz LED HDTV (Black) $1,399.99 The Samsung LED 6300 HDTV: LED picture quality meets Auto Motion Plus 120HzTM Clear Motion Rate technology, with gorgeous results. The 6300′s LED Ultra Clear Panel absorbs ambient light and virtually eliminates reflections, for a more comfortable viewing environment. It’s beautiful form and function, complementing the most stylish of décor….

Green Toys Sand Play Set $12.94 Kids will ‘dig’ building castles and hunting for buried treasure with the environmentally friendly Sand Play Set from Green ToysTM. Made of recycled plastic, this classic 4-piece collection of tools consists of a bucket, sand castle mold, shovel and rake. Made in the U.S.A from recycled plastic milk containers, which helps save energy, reduces landfill waste, and lowers greenhouse gas emissions, a…

Alex 36 X 36 Vinyl Padded Playmat $13.20 All roads lead to fun with this take-along play mat that folds into a toy bag. Open it up anywhere – when you’re finished, pack up the toys and you’re on your way| Open mat measures a generous 36″ x 36″ of prime playing real estate….

Alex Toys Draw like A Pro $30.00 A fun and easy way to draw…just turn down the lights, switch on the projector, insert a preprinted slide and trace away| Comes with 124 slides, 6 markers, 10 sheets of paper, and a flip book….

Hanes Men’s Classic Basic Crew, Three Pack $16.00 Hanes Classics are constructed with very soft ring-spun cotton for added softness and resiliency….

Lilyette Women’s Microfiber Minimizer Bra #428 $32.00 Our Lilyette® Microfiber and Lace Minimizer® Bra offers you the very best in beauty and comfort!       * Beautiful and comfortable styling     * Luxuriously soft fabric* Gorgeous lace details* Smooth under clothes* Guaranteed comfort* Minimizes size – not shapeFabric content: Top Cup: 91% Nylon, 9% ElastaneBottom Cup: 100% NylonBack: 89% Nylon, 1…

Lilyette Women’s Strapless Bra with Convertible Straps #929 $32.00 Our Lilyette®Strapless Bra with Convertible Straps is essential for the full figure woman as it offers unparalleled fit and the security that every woman desires.      * Offers the best in fit and security   * Seamless smooth shaping       * Guaranteed to stay in place        * Luxurious super soft…

Keywords: A Vocabulary of Culture and Society $9.90 Now revised to include new words and updated essays, Keywords focuses on the sociology of language, demonstrating how the key words we use to understand our society take on new meanings and how these changes reflect the political bent and values of society….

YouTube and Video Marketing: An Hour a Day $14.68 A complete, task-based guide to developing, implementing, and tracking a video marketing strategy Online video marketing is crucial in today’s marketplace. This guide teaches you proven, practical guidelines for developing and implementing video marketing for your organization. If you’re a marketer, advertising professional, consultant, or small business owner, here’s a relevant guid…

The DAM Book: Digital Asset Management for Photographers $31.00 One of the main concerns for digital photographers today is asset management: how to file, find, protect, and re-use their photos. The best solutions can be found in The DAM Book, our bestselling guide to managing digital images efficiently and effectively.Anyone who shoots, scans, or stores digital photographs is practicing digital asset management (DAM), but few people do it in a way that makes …

Sirius SL-EX1 Stiletto Executive Speaker System $89.99 SIRIUS SLEX1 SIRIUS(TM) STILLETTO EXECUTIVE SYSTEM DESKTOP AUDIO SYSTEM FOR THE STILLETO FAMILY; 10W PER CHANNEL;HIGH-QUALITY, 2-WAY SPEAKER SYSTEM; BASS ENHANCEMENT TECHNOLOGY FOR DEEPER LISTENING; HEADPHONE JACK;DESK OR WALL MOUNTABLE; AUX IN;INCLUDES EXECUTIVE SYSTEM, WEATHERPROOF INDOOR/OUTDOOR ANTENNA, AC ADAPTER, REMOTE & WALL MOUNT BRACKET SIRIUS(TM) STILLETTO EXECUTIVE SYSTEM…

Electric Volt Black Web Belt $28.00 Jump start your look with this Volt web belt by Electric!…

FCS Premium TAIL GATE Surfboard Pad $27.98 These pads help to secure your boards when they extend past your tail gate or trunk. Easy design allows for quick and simple attachment in seconds….