Posted in Finances

Essential Keys To Prevent Creditor Harrassment - By Steven Ciantro

Steven Ciantro is a certified credit counselor, a management representative of American Debt Enders, and a former finalist in Inc. magazine and Ernst and Young’s Entrepreneur of the Year contest. He is also a Talk-Show Radio Host and successful published songwriter and musician (his album January Tyme can be heard on YouTube), the inventor of a patented medical device, a public speaker on debt issues, and the official debt expert for Motivational Speaker Gail Kasper’s Top 1% Club


With so many consumers falling behind on their unsecured debts and in many cases defaulting, there has been a marked increase in collection activity.


All one has to do is look at how many searches are performed daily on "creditor harassment" and "exempt income".


Just think about it, if a collector pulls your credit report and determines that you are not worth suing their next and only option is to call you on the telephone and hope to squeeze a payment out of you. Often times violating the Fair Debt Collection Practices Act also known as the FDCPA.


It is important to note that this act applies to 3rd party debt collectors and not the original creditor. Although at some point after a default the original creditor will sell or charge off the debt to a 3rd party debt collector. Usually after 120 to 180 days of non-payment.


Violations of the FDCPA are punishable by fines of up to $1000.00 per occurrence. So, how do I get the money you ask?  Well, first you have to have a true provable violation of the act. This is not as difficult as you may think. For example: The law requires that a debt collector disclose the following information in every phone call:


1.  The name of their company.

2.  The name of the debt collector. (Often Violated)

3.  That they are debt collectors.

4.  If it is a first communication, they must state that they are debt collectors and any information obtained will be used for that purpose. (Also often violated).  This is just a tiny sampling of violations. So, how does all this help you?


Very simple. Their is a new very specific program called "Collection Protection", which for no money upfront, will enroll you, educate you, and then on your behalf take your violation cases to court and split the recovery with you! So even if you cannot afford a Debt Consolidation or Debt Settlement Program, (Link to  you can most definitely afford the FDCPA Violations Program. 


If you would like to learn more or would like to enroll which takes only about 5 minutes on the phone, simply call 877-766-2465, or visit STOP COLLECTION HARASSMENT. There you have it. Now you have no excuses not to take control of the situation.


If you would like to subscribe to the FREE Credit Counseling Newsletter, simply leave your email address here. We never share your information. If you have a debt problem and need free credit counseling, feel free to contact me at or 877-766-246. 


ABOUT STEVEN CIANTRO: Steven is well suited to advising on debt issues. Growing up from humble beginnings, he personally made a fortune from nothing in his earlier years and lost it. The experience completely altered his value system. It seemed every professional debt expert Steven and his wife spoke to wanted to put them into even more debt to help them. It took years for them to untangle the financial mess, which they ultimately did on their own, gaining a tremendous education in the process. However, the experience left Steven with chronic kidney disease, which he still battles today. In 2004, Steven found work at a national nonprofit credit counseling company. After six months, he became regional manager; Steven had found a new calling. He is in the unique position of not only being a true expert on debt relief issues, but also understanding firsthand how oppressive debt can be. In 2006, American Debt Enders was started as a company that would offer free credit counseling; it was among the first companies in the nation to use the business model of offering multiple debt relief programs and solutions under the same roof.


This article is courtesy of the Top 1% Club and the Top 1% Club Mentor Gail Kasper. For additional information on Gail Kasper, her television appearances and speaking engagements, please visit