Beating Debt Collectors at Their Game

This article is dedicated to the millions of children who are innocent witnesses to their parents’ increased emotional distress when a dreaded phone call from a collector is received over and over.

Are there any sympathetic debt collectors? Don’t know. There are thousands of sleazy ones, who use the telephone to threaten, cajole and intimidate their “victims” who, for the most part, find themselves down on their luck due events beyond their control. Many have lost their jobs. Many are unable to find employment. Many have been evicted from their homes. Many have divorced due to the increased stress within their family.

Most of these people are hard working citizens. They are your neighbors, your friends and even your family members. Their children play with your children.

But…something changed. No more is the affected family outgoing. No more are their children smiling spontaneously. Grades in school are slipping. Why? The never ending bullying phone calls. The emotional upheaval felt that leaves mothers crying and fathers pacing. What is the difference between teenagers bullying other teenagers versus debt collectors bullying hard pressed families? Unfortunately some teenagers and individuals owing money have committed suicide due to the increased stress and inability to handle their circumstances.

No matter how hard parents try to hide their feelings, their children pick up that their world is falling apart. “What’s wrong Mommy?” “Daddy, why are you yelling at us?”

Parents need to take a few minutes and minimize the turmoil experienced by their children.

  • The next time debt collectors call, ask for their name and address of their company. Send a certified letter stating that calls are to be stopped. Calls will stop unless you are being sued.
  • You may also want to ask the amount owed and ask for proof of that amount.
  • You can also negotiate to lower the debt with a collector as they have acquired the debt, paying “pennies on the dollar.”

Parents, tell your children debt collectors cannot contact a third party and tell them money is owed. You cannot be arrested or lose your home or automobile. Debt collectors cannot take money from your retirement account or money that is paid to you by social security or unemployment. There are more additional “do’s and don’ts” which can be researched.

If need be, hire a lawyer. Your children deserve to live in an environment that is not being manipulated by debt collectors. With the unethical tactics employed by debt collectors, parents can turn the table and sue them for breaking the law, thus beating debt collectors at their game.

Can A Debt Collector Enter Your Home?

The amount of debt people have built up these days is at record highs, and problems with repayment are mounting. Even if you have accumulated a lot of debt, a debt collector is not allowed to enter your home or step on your property without your full consent. At the same time, any representative from these agencies is not allowed to call you at work if you send them a letter and ask them not to. Therefore, if a debt collector tries to enter your home or continues to call you outside the hours that you specified, then you can call the police and sue them for harassment. The only allowed person on your property is a bailiff that has a court order. However, if the court order does not state that he is there to seize your house, he cannot enter your home unless you invite him in.

Debt collectors are using more aggressive strategies lately in order to recover the money for their clients. However, no matter what threats they come up with to scare you, you should know that you are protected by law. Because some of them can be really annoying and rude, it is advisable that you discuss your financial situation and renegotiate your loan directly with your lender and thus, avoid having to deal with these agencies.

Do not agree to pay the debt you owe to any debt collector, regardless if he is a representative of a real debt collection agency. When dealing with debt collectors you should be aware that some of them will threaten you with seizing your home, that they have the power to get a warrant and arrest you or even imply that they will use violence in case you do not pay. This is why it is advisable that you avoid engaging in additional conversation with debt collectors. If they do not stop the visits to your home or calling you, simply report them to the Federal Trade Commission.

In addition, in order to prevent fraud and harassment at the same time, avoid revealing your personal information on online social networks or job sites, for example. Because many people are struggling with debts nowadays, you should also keep an eye open for fake debt collectors. Therefore, if it is your first time hearing from a debt collection agency via the phone or in person, do not forget to ask all their personal details and have them checked out.

Solar Home Heat

Solar heat for homes is not a daydream. As energy prices rise and the global community talks of energy sources drying up, solar homes are becoming increasingly appealing to consumers. So is the idea of heating the home with solar energy. As a result, ways to heat a home with solar energy are becoming more affordable.

Solar heat for homes can be achieved in several ways. It is not simply a matter of placing photovoltaic (PV) panels on the roof and generating electricity for a furnace. That can be done, but other things can also be done to get solar heat for homes.

Passive Solar Heat for Homes

Passive solar is one of the simplest methods of acquiring solar heat for homes. Passive solar heating collects and distributes heat from the sun without external, mechanical pumping systems.

Passive solar heat for homes begins by positioning the solar home in such a way that it takes full advantage of winter sunlight to warm interior rooms and walls. In the northern hemisphere, a solar home will be positioned to give its main area southern exposure. In the southern hemisphere, a solar home will be positioned to give its main area northern exposure.

Passive solar heat for homes is also available through building materials and architectural design. A solar home should have many vertical windows on its winter sun exposure side to collect solar warmth. These windows should be glazed, and uncovered during the day to allow warmth to enter. As the sun goes down, shades and curtains should be drawn to retain the heat. The side of the solar home that gets summer sunlight should have fewer, and smaller, windows.

A passive solar home should feature masses of brick, concrete, stone, or adobe (mud bricks) that absorb and hold heat during the day, releasing it gradually as the air cools. These building materials should be used for walls and floors where the sunlight will hit them.

Passive solar heat for homes also requires thick insulation. Once heat has entered the solar home through large, glazed windows, insulation will help hold it there as the air cools. Placing the garage on the non-solar side and main living quarters on the “exposure” side also helps heat a solar home.

Active Solar Heat for Homes

Active solar systems for heating a solar home consist of “collectors” that collect solar energy, and electric fans or pumps to distribute collected heat. Heat is transferred by liquid or air, and can be stored to provide heat when the sun is not shining.

Solar air “collectors” will collect solar energy in air passing through the system. The air absorbs the sun’s heat, and transfers it into the solar home. This works best for heating individual rooms, although some systems can heat larger areas with the use of pumps and fans. Solar air collectors for individual rooms can be mounted in an existing window.

Solar liquid “collectors” are more appropriate for central heating. These are the same type of collector as those used in solar water heating systems. Flat plate collectors are mounted, usually on a roof. Each collector contains water, antifreeze, or another liquid that will collect the solar energy. At a predetermined time, regulated by a controller, a circulating pump sends the fluid through the roof-top collector. The liquid is directed to a heat exchanger for immediate use, or sent to a storage tank for later use.

Active liquid solar heat for homes can be sent through pipes under the floor to maintain an even radiant heat at floor level. Radiant floor heating is ideal for liquid solar systems. It performs well, even at relatively low temperatures.

Combination Solar Heat for Homes

The best solar home will combine passive and active solar energy collection. Passive solar heating can reduce heating bills by nearly 50 percent. Active solar heating can supply 40 to 80 percent of your heat, depending on your local climate and the system’s size. Put the two together, and you have a solar home that is comfortable and efficient.

If concrete floors topped with tile are already warmed by passive solar heating, an active system that send hot water through pipes in those floors will keep the solar home cozy and warm.

Free Heating

Aside from any initial costs for active solar energy systems, solar heat for homes can be free. It is clean and environmentally friendly. It leaves a smaller carbon footprint, too. Is it for you? That is worth serious consideration.