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Do you get calls from collection agencies

? Threatening letters in the mail perhaps? These are two common approaches used by collection agencies to pay up to intimidate. It is important to know what rights you have in such a situation.

Fortunately, something called “The Fair Debt Collection Practices Act sets out the guidelines, collection agencies and what measures can not enter in an attempt to collect a debt to participate. For example, they can not earlier than 08.00 or after 09.00 clock phone clock. You can not say that she would be able to garnish wages. Of course this is only to states where garnishment of wages is illegal. And they can not continue to ask when you ask them to stop.

The entire text is worth a look through if you are in this situation. You can read it here – http://www. FTC. gov / os / statutes fdcpa / / fdcpact. htm # 801

In such situations, you have several options. These range from simply not picking up the phone, screening calls using caller-ID blocking, or even get calls if your phone has this feature on.

Through a chance if you pick up the phone, you can insist that you do not wish to be contacted any further. By law they are obliged to stop harass. Of course, if you send the collector a written warning (such as “cease and desist”), you can take legal action against them. This could be your most expensive option, so you may order on this.
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The fastest way to get it out of the back is by paying off the debt. If the debt is a valid one then you do owe them the money. If money is really tight, you can by renegotiating the terms of your agreement, such as lower interest rates, etc.
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Track of your call history, along with all terms that have been renegotiated is a good idea in these cases. This will help you you can keep your new debt and, if they keep calling you after he said not to stop, you try to record calls if its legal and punish them. Pretty often the debt collectors will be more careful with their choice of words when they know that their call is being recorded.

An important point is to remember that collection agencies are amounts that are much smaller than their original applications to accept. Of course, since they get part of their collection amounts they will try to amounts similar to keep the original debt. But they know that 50% of $ 200 is much better than 100% from $ 0

If you negotiate new terms on your payment, make sure it does not have any additional negative information about your credit history are laid. It’s always a good idea to remind them of all payments you make to report.

Another tip – get the creditor to send you in writing of the conditions. If they are not prepared, you can show them a small percentage of the amount in good faith within the meaning of your end of the transaction. If you pay all in advance, they have little reason to honor their side of the bargain.

In times like these to be patient, keep cool and realistic about the results. These attributes will be immensely useful in dealing with these stressful situations.

As we enjoy all the vinyl revival, there is another aspect of this phenomenon, which is sometimes overlooked: the forgotten 45 rpm records from the past years. Sure, there are some mainstream artists, punks and indie musicians who have found this audio medium, according to their taste, it is a wonderful way to not only give their fans what they want (the music), but also create a collector as well.

Another medium of the past through some major changes in recent years gone. Remember when AM radio ruled the air waves? And then another format in the 70′s added even more options for music lovers-in FM radio. Now we have satellite radio and other innovative medium, the Internet radio station.

An Internet radio station in particular has managed to combine those 45 rpm records and the Internet to Counter Clock Radio (http://www form. Live365. Com / stations / counter_clock? Games) and Counter Clock Records ( http:// stores. ebay. com / Counter-Clock Records). The business is the idea have developed team of Jane and Norm Geddis of Mission Viejo, California, for men and women, play a “what we find programming style, very unique and allows her audience an eclectic selection to listen to music. I had the opportunity to speak with the developers of this new concept, let us more about Counter Clock Records and Counter Clock Radio:

Obviously you have the love for vinyl?-What is it that the records that make them so attractive to you

Standard: “They are round like wheels. It is by far the best use of man’s first invention. CD’s never felt quite the same. Downloads are radio plus work. I am a decade earlier than me impressed for good software to work after an evening playing around with my computer. “

Jane: “I like the built-in nostalgia value of vinyl – if it was a 1964 Top 40 One-hit wonder or a Super Rare Private Press Psych LP’s. It’s like a part felt I died and was buried, when CD’s as standard. With Downloads, it is like the moss has grown over the tombstones. “

How long have you been online / selling on eBay and what are your thoughts about the fee changes and the general operations of this online giant?

Norm: “We Counter-Clock Records started in July ’07. Or rather, I started selling on eBay about this time, only 45′s that I was done carefully, and then created us to both the store and stuck out other parts (blog and radio stations) to them. “

“As far as talking about all these changes, I was in the middle, they came and spoke only for myself, I am part of Counter-Clock Records. EBay is just the venue, the shopping center, where our business is located. No matter where one of their To save, there is not a merchant on the planet, or probably all the others who do not complain about the rents. It is not a complaint, I will pass on to my customers to me. “


When did you decide to go “online” with the Live365 radio station?

Norm: “The station has since March ’07, several months before we went to the store opened.”

What type of fan base you have, what kind of records / music do you play?

Jane: “Our base is our customers, our stations are found. The station is close by, just as we want it to, with short segments of music news and facts, so now we have something unique and something we are proud . It is time to let everyone know. We play what we find. I’ll call the programming style Accidental Nostalgia “.

My readers love the “top five record sales” function per week. How long do you have that? Have you noticed any particular pattern?-What sells the best (and who) and what is the most expensive record you ever documented on the list

Norm began: “I blog about the same time I started the radio stations. The” store “so began to speak, a few records when I put on my eBay account in July last year.”

“The most expensive record I have documented, the White Album, last week for $ 30k, which says a lot for Vinyl Collectibles sold in this economy. Unfortunately, I flubbed that one and it had ceased to have this week on the list. The seller had listed in the “Music Memorabilia” and I keep my eyes on the “Record” category. I also do not keep an eye on your blog this week, Robert, or I would have caught it – the problem of the sale of recordings and writing about them during the holiday season. So I have a mea culpa on record that it makes it to the Record Store Day end of the year list. “

I love to listen to the station-your-format and genres of music are very eclectic. Where do you get the music and how you decide what you want to play?

Jane: “We collections buy from individuals, closed record stores, eBay and. Are usually the 45′s to talk to me. I mean that if I look through one of records I have a feeling that what is interesting, unusual, strange Stack … Only gratifying. standard is an encyclopedia of the history of music in his head, but if we just continue that but we sound like tons of other stations had. This clairvoyance his role. “

Do you have any plans to add the DJ’s mix?

Jane: “A podcast is in the works. But it can not happen unless the world begins to spin more slowly.”

What are the future plans for the station and Counter Clock Records?

Norm: “Next year will be about more of everything. We have a lot of inventory in love and get in the world. The backbone of vinyl records is the town record store. The Internet can provide not know that Counter Clock Records something to come home, but not to replace the cold until your spine dirty tile smell of your record store. “

What do you think of the “Vinyl Revival” and where do you see vinyl in the next ten years?

Jane: “I think the vinyl revival is great, I also think it was inevitable. Tens of millions of us who love vinyl are either retired or have more time on our hands, and whether you have a little or a lot of money , There’s something for everyone. Plus, it seems to discover that although they do not buy “our music”, young adults and young people that there is something more than the vinyl downloads. And are getting squeezed in the middle of CD’s. It seemed only a matter of time before these two groups converged and opened the music market, so let us back in. “

Norm: “I am not a guru, money, and this is not investment advice. However, as my grandmother used to say in difficult times,” there will always be someone with money. “And, as in the seventies and early nineties, the traditional investments are not attractive. Comic values in the seventies, increased sharply, as in sports cards in the early nineties. I think it is about his vinyl days into the sun. ”

Do you have a top ten list of your favorite 45′s and / or most popular recording artist?

Jane: “I’ll artist Etta James, Grateful Dead, Joni Mitchell, The Band, Bill Monroe to do, Renaissance, Mazzy Star, Opal, Joan Armatrading, CSNY.”

Norm: “45′s for me-Mixed Feelings” Sha La La “/” Love will find a way, “Moody Blues’ Go Now” / “Lose Your Money,” Small Faces “Itchycoo Park” / “I’m Only Dreaming, “Sandi Sheldon” You’re Gonna Make Me Love You “/” Baby You’re Mine, “Pink Floyd” Point Me At The Sky “/” Careful With That Axe Eugene “, Olivia Tremor Control California Demise” EP, Hedge Hoppers Anonymous “It’s Good News Week” / “Afraid Of Love,” Barbara Lewis “Baby I’m Yours” / “I Say Love”, Denny Laine “It’s so easy” / Listen To Me “/” I am looking for someone, To Love, “the invaders” Every Day Is A Holiday “/” Old Love “and probably a hundred others. “

So if you for some obscure great old rock and roll, one-hit wonders and soulful R & B, drops for Counter Clock Radio and Counter Clock Records and search them a spin. Your ears will love what you hear.