Wednesday, June 23, 2010
Jewish Community Center In Austin, TX Hosts War Criminal-Colonel Ben Tzion Gruber .flv
http://www.youtube.com/watch?v=UUA7rQJxdKo&hl=en
Monday, June 21, 2010
DUI
http://www.youtube.com/watch?v=i7lq8I8o_64&hl=en
Friday, June 18, 2010
Forced Blood Draw DWI Case Dismissed - Judge Rules Evidence Obtained Improperly
http://www.youtube.com/watch?v=oZNJnszlBac&hl=en
personal injury law adulf friend finder bad buying credit home
Episode 2: Caccia almost DUI
http://www.youtube.com/watch?v=L4YIEDWZ0c4&hl=en
Monday, June 14, 2010
Conroe DWI Attorney
http://www.youtube.com/watch?v=X3uZ3coN2z4&hl=en
Saturday, June 12, 2010
The Fair Debt Collection Practices Act
The Fair Debt Collection Practice Act (FDCPA) is a statute that was added to the Consumer Credit Protection Act by Congress in 1978. The FDCPA sets forth guidelines for debt collection practices in order to protect consumers from abuse, allow for the validation of alleged debts, and ensure the rights of consumers. The FDCPA governs many different types of debt collectors, whether they be a dedicated agency, an individual, or a practicing attorney. As a consumer or business owner, understanding the rules outlined in the FDCPA will help you decide how best to approach a debt situation, whether you are debtor, creditor, or collector.
Practices Forbidden by FDCPA
The FDCPA prohibits debt collectors from engaging a variety of behaviors or practices considered to be abusive or unethical. For example, debt collectors may only contact a debtor during "normal" hours, defined as the time between 8 AM and 9 PM, unless permitted to do otherwise by the debtor.
In general, consumers' rights are heavily guarded by the FDCPA. Under the statute, a debtor can force a collection agency to refrain from further contact by a simple written notice. The only exceptions to this rule are a) notifying the consumer that collection efforts have ceased, and b) notifying the consumer of any further action, such as a lawsuit, that the creditor intends to pursue.
Other practices forbidden by the FDCPA include, but are not limited to:
Publishing the consumer's name or address on a list of debtors,
Using abusive language,
Contacting third parties about the debt (such as family, friends, neighbors, employers, etc.), and
Contacting a consumer who is known to be represented by an attorney.
Protocol Required by FDCPA
The FDCPA also obligates debt collectors to provide certain information about themselves and the creditor they represent. They must identify both themselves and the creditor, including both name and address, inform the consumer of their right to dispute the debt, and provide validation of a debt in the case of a formal dispute.
Debate over FDCPA
The process of debt collection is stringently regulated and highly technical. The FDCPA's provisions are enforced by the Federal Trade Commission. Furthermore, violations of the FDCPA also allow the affected private citizen(s) to sue to recover compensation up to $1,000, plus any damages caused by the violation.
Not everyone is happy with the FDCPA as it stands, however. In fact, the FDCPA has come under fire from both consumer advocates and industry representatives. In the former case, consumer advocates feel that the penalties allowed by the FDCPA are not sufficient deterrents to abusive collection practices, partially due to the fact that fines have not been scaled to inflation. On the other hand, the collection industry complains that the heavy regulations of the FDCPA promote frivolous and time-consuming lawsuits over minor technical details, and thus impedes their ability and right to collect on valid, legitimate debts.
For more information on the Fair Debt Collection Practices Act, or to learn more about dealing with debt as either debtor or creditor, visit the website of the Austin business lawyers of Slater & Kennon at http://www.slaterandkennon.com.
Joseph Devine
Friday, June 4, 2010
Suspected drunk driver hits cop
http://www.youtube.com/watch?v=gMtKX5mJWtA&hl=en