Stop Collection Calls and Deal With Bill Collectors – Tips on How to Do It

Have you ever been harassed by calls from collection agencies and bill collectors. Chances are you have. Sometimes they can be nice, sometimes they can be rude, but the only thing they want is to get as much information so that they can collect the money.

However, you are not completely defenseless. There are things you can do to stop collection calls, stop creditor harassment, and deal with the bill collectors successfully.

All it takes is a little knowledge and preparation…

For instance:

Bill Collector Warning

You Have A RIGHT To Remain Silent!

If you ever dealt with bill collectors, you almost certainly have heard the following statement: “This is an attempt to collect a debt and any information obtained will be used for that purpose!”

This statement is what as known as a “Mini-Miranda of Your Rights”. It is similar to an arresting police officer reading someone his or her rights. You have a right to remain silent because chances are the information that you give a debt collector can and will be used against you.

But what they are really saying is: “Tell me as much information about you and your situation as possible to help ME collect the debt YOU owe”.

Protect Yourself

You should not give the bill collector any information about your situation or your finances. Remain silent, as anything you say can and will be used against you by a bill collector. They are giving you a warning and all too often consumers think they have to divulge everything to harassing bill collectors.

YOU DON’T!

Don’t give them any information to help them collect the debt you may owe to them. Don’t give them your home number, address, work information, family contacts, etc. This is one sure fire way to reduce and eliminate your receiving calls at home, at work and possibly prevent your family and friends from being contacted by debt collectors.

In working with debt collectors you should only VERIFY what information they already have on file for you. If they don’t have particular information on file, then don’t volunteer it to them. It’s just as simple as that!

Bill collectors will say and do whatever they feel necessary to help them collect on a debt. For example, they will say things like “we can’t work with you until we have updated or current information”, or “if you don’t provide us with your information we will have to note your file as a refusal to pay”, or even that they will “sue you if you don’t provide information”. These are most likely threats to try to convince and manipulate you into giving up your private and confidential information. These are just some of many collection tactics a debt collector will try to use against you.

So don’t give in. Don’t help them to get their work done. Let them work hard for their money.

This is just one of the things you should be aware off.

Is Investing in Solar Panels For Your Home Really Worth It?

The recent decade has seen a flood of appeal in alternative, renewable energy sources. Due to the instability of fossil fuel prices and a growing awareness of the prospective harm such fuels could cause the planet, homeowners are looking at ways to render use of alternative energy. Solar panels are an accepted consideration amongst people interested in going entirely or somewhat “off-grid”. There are many factors to keep in mind, however, as you explore the likelihood of investing in solar panels. This article takes a look at the pros and cons of going solar, the cost involved, the installation task, and various other factors.

What are solar panels, and how do they work?

There are basically, two types of solar panels, photovoltaic modules (PVs) and solar thermal collectors. Solar thermal collectors do not in fact convert sunlight into electricity; they make use of the sun’s warmth and channel it into the dwelling, particularly for heating water. Because the hot water tank is a noteworthy source of electricity consumption, installing solar thermal collectors to warm up your water will probably decrease your utility bills.

Solar thermal collectors can also provide space heating inside a home, but since the need for heat is highest in parts of the country when the sunshine is least likely to shine strongly for the duration of the winter, they are not typically used for this function. Also, a very huge quantity of south facing panels would be necessary to provide space heating using solar thermal collectors, which is more than most homeowners are able to tackle. Solar thermal collectors are commonly less expensive than PVs, but they can take up more space and require direct, unbroken sunlight. Solar thermal collectors are particularly suited to huge ranches or farms.

On a grander scale, the heating of water by solar thermal collectors can be used to generate steam to spin the turbine of a generator, thus producing electricity (rather than burning nonrenewable fossil fuels to produce steam). But this is commonly an industrial use and has not been adapted for home usage as yet.

The most widespread solar panel system for home usage is the PV type. It works by converting sunlight into an electrical current. PV panels are connected to a module, and are made up of two halves of a silicon crystal which has been coated with two separate substances known as “dopants”. (Aluminum and phosphorous are examples of dopants.) One half of the crystal has fewer electrons than the other, creating an electric field between the halves. Electrical charges pass from the electron-rich side to the electron-poor side, creating currents that flow in equal but opposite directions. Sunlight sets the process in motion.

Other Solar Device Uses

Just as a side note, solar or photonic sensitive devices are used everyday in many of the common products we use. Light sensitive cells detect oncoming traffic, set timers for outdoor lighting and many, many other uses. 

Setting Up Your Personal Grid

PVs are compatible with your regular power grid. The module to which the panels are connected puts out anywhere from 10 to 300 watts, and the modules are connected to an inverter. The inverter, in turn, changes the current from DC (direct current) to AC (alternating current), which is the sort of power that is compatible with the regular power grid, and can be used to run normal household appliances. Without the power being converted to AC, you would have to exchange all of your electrical appliances with DC-compatible ones, which would be very expensive. If you decide to go off-grid entirely, you will still need to convert to AC.

House Cleaning With Dust Collector

If you want to make cleaning a no-sweat task, get one of those dust collectors used in heavy duty industries and dusty workplaces such as in cement factories and other similar works. They are not just suitable for cleaning up such dusty environment; in fact, having them at home is necessary especially if you live in a dusty area. These devices usually have bags that need to be emptied regularly for a more effective house cleaning.

A dust collector is composed basically of a motor and a bag. The motor sucks up the dust collected during the cleaning process and sends it to the collector bag. The size of the machine varies depending on your cleaning needs.

The collector can be attached directly to the machine or can be transferred from one motor to another. They can also be hidden in a cabinet while some dust collectors dangle freely with the machine.

The dust collector is an important aspect of the equipment. It may have several or double pockets or a bin vent. Pick a model that can be easily attached to the machine through a firm gasket from a reputable manufacturer to ensure easy installation, replacement and an overall hassle-free cleaning.

Since the efficiency of the machine is affected by the dust collector bag, enhance it by applying coatings and by choosing the right fiber for a long lasting use. The usual fibers used for these bags are cotton which can be treated with a flame retarding agent, acrylic co-polymer, acrylic homo-polymer which is recommended for high temperature cleaning, polyester, nylon which is known for its flexibility and durability, fiberglass, polypropylene, Teflon and others.

There are different types of these devices in the market but for you to be able to determine the right machinery for an effective house cleaning, take a look at the type of dust which can be found inside your home and use it as a basis for getting a dust collector bag.

These bags are available in different shapes and sizes but all of them require periodic cleaning. After cleaning, shake the bags mechanically, manually or with the use of jet pulse.

Eventually, you would need to replace the bag for this device. Call your favorite online or local store for assistance.