http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm


here is a link to the FTC everyone should file a complaint... and get something done about the scum...


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1, 000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500, 000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad


If you have had problems call or file a complaint...they dont take much time

I AM WRITING BECAUSE I FEEL THIS DEALERSHIP HAS RIPT ME OFF. I ALSO FEEL LIKE DODGE AND CHRYLER IS THE WORST VEHICLE YOU EVER BUY THERE CUSTOMER SERVICE SUCKS THERE WARRANTY SUCKS. THIS CORPORATION SHOULDNT BE ALLOWED TO SURVIVE. INSTEAD OF SHUTTING DOWN GENERAL MOTORS FACTORS DOWN THEY NEED TO CLOSE ALL FACTORYS THAT BUILD DODGE AND CHRYSLER PRODUCTS. I PURCHASED A 2008 DODGE RAM 3500 FROM TOWN AND COUNTRY DODGE IN CONYERS GA. I FULLY EXPLAINED THE WORK LOAD I WAS DOING WITH THE VEHICLE I WAS PURCHASING. I TOLD THEM WHAT I WAS LOOKING FOR AS FAR AS WARRANTYS I NEED FOR THE VEHICLE, NOT ONLY DID THEY NOT FOLLOW THREW WITH ALL I WAS NEEDING MY TRUCK HAS 67000 MILES ON IT 1 YEAR AND HALF OLD THE REAR END HAS COME APART I WAS TOLD THAT IT WAS MY RESPONSIBILTY TO FIX CAUSE MY WARRANTY EXPIRED AT 36000 WHE I WAS TOLD I HAD 100000 POWERTRAIN WARRANTY IN THE BEGINING BUT AFTER PAYING HALF THE BILL AND PICKING UP MY TRUCK AND DRIVING IT 400 MILES THE TRANSMISSION GAVE OUT. NOW WHAT KIND OF THING IS FOR THE REAR END TO COME APART WITH NO EXPLANAITION AND AFTER PUTTING A NEW REAR END IN THE TRUCK THE SAME DAY OF DRIVING IT HOME THE TRANSMISSION COMES APART, YOU WANT TO TELL ME THIS ISNT A LEMON AND NO ONE CAN ANSWER ME WHY THIS IS OR HAVE ANY KIND OR REMORCE DODGE AND CHRYSLER PRODUCTS SUCK. I CALLED AND CALLED AND NO ONE IN THERE ORGANIZATION CAN DO ANYTHING TO LOOK INTO WHY IS IT THAT I SHOULD HAVE TO CONTINUE TO DUMP MONEY IN A VEHICLE THAT SHOULD HAVE WARRANTY FOR AND SHOULDNT HAVE THESE PROBLEMS THIS EARLY IN THE LIFE OF THE VEHICLE.

I purchase a new 2009 Jeep Wranger -"X" Unlimited for alot of money.

I expected the Sales Respresentive and the Sales Manager to give me a good deal, and they came a bunch of crap.

I wasn't properly told about their Customer loyality Program, which could have saved me $ 1, 000.

I was lied to from the Salesman, concerning the LifeTime Power-Train Warranty.

When I requested a $ 500.00 Accessory Package for my New Jeep, they refused

When I asked for rubber Floor Mats, instead of cheap looking Carpet Floor Mats, they refused.

When I asked for a stronger and better "Step-Bar" to allow my wife, to get into the Jeep, they refused.


I will never deal with Chrysler again, unless its with my Warranty and only at a different Dealership.

What a bunch lying crooks .

In early 2006 i had two lease vehicles I had obtained from Chrysler. Then in Mid 2006 I recieved orders to move to Germany for a three year tour. I contacted Chrysler to obtain paperwork to transport my two vehicles, but was informed that this was not possibole. Since i had lease vehicles they were not allowed to leave the country but thanks to the Civil Relief Act I was able to turn in the vehicles to the local Dealer. I turned in the vehicles as directed and all was well.

Then the nightmare started. It seams Chrysler sold the New vehicles for HALF price (I'm sure someone at the local dealer got a great deal on new auto's) and sold the rest of the bill to a collection agency. Now i just gut a bad credit rating and someone wanting over $20, ooo from me.

I am now going to need to obtain an Attourney to straighten this out and hopefully get something back for damages.

I can safely say I will no longer do business with Chrysler.

In mis May my son took our car in for a routine oil change. Later that day he noticed that the car was overheating. We took it back, we were told that the spark plugs and wires needed to be replaces, the head gasket needed to be replaced. and we needed a new starter. Jobs were completed that night car overheated again. We took is back, this time we were told that a pipe in the water pump had broken. Job completed. within 30 min the car overheated again, this time it was the fan to the cooling system. Fortunately they admitted that it was their fault that this had not been noticed. Two weeks later the new starter again needed to be replaced. Two days later my son was picking his brother up from work, the speedometer, tachometer, dropped to 0. All lights on the dashboard lit up. We took it back again, this time it was the black box, job was supposed to be completed, after we got the car back the same thing happened that night. Now we are being told that it is a wiring problem in the dash. Cost approximately $1, 000. We are not going to take it to Classic Auto to be repaired.