SKYNET USA ASSET MANAGEMENT & CONSULTING, INC.

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Hounded By Debt Collectors?​
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Feel like you’re all alone against harassing debt collectors?
Do you feel like you’re being hunted by your creditors?
Tired of the non-stop letters, rude phone calls, and feeling like you’re trapped by your debt? Are you being sued on a personal debt?

The FDCPA Protects Consumers Like You!​

Just because you’re behind in paying your bills, it doesn’t mean that you don’t have rights. Owing money does not mean collectors can treat you like a criminal!
1 in 3 adults in America have debt in collections, and the federal government has passed laws creating rights for people who owe money and governing how debt collectors must act. If a debt collector or creditor is found to have violated your rights, you could be eligible for a cash settlement!

​Many of these rights are incorporated in something called the FDCPA, or the Fair Debt Collection Practices Act. If you have experienced one of the following common FDCPA violations, then you may be able to sue a debt collector and make them pay you!

The best part is that Skynet USA Asset Management & Consulting, Inc. will sue a debt collector at no cost to you – you will not pay a penny out of pocket! Contact us today for a

​​FREE CONSULTATION
A debt collector or creditor may not:
*  ​​Contact you before 8:00 a.m. or after 9:00 p.m.
*  Contact you at work after you’ve told them you cannot take calls there
*  Contact you after you’ve asked them to stop (call us for more details)
*  Contact or speak to others about your debt (except your spouse)
*  Contact you or leave a message without identifying themselves or why they’re calling
*  Contact you to collect an invalid debt
*  Threaten you with violence or harm
*  Use obscenities, profane or abusive language, or shout or scream at you
*  Call repeatedly to annoy or harass
*  Misrepresent themselves as attorneys or government representatives
*  Make any false statements about your debt, including the amount owed or who it is owed to
*  Tell you that you will be arrested or go to jail if you don’t pay your debt
*  Threaten to take any legal action against you that they cannot legally take or intend to do – including filing a lawsuit, seizing or putting liens against your property, or garnishing your wages (a debt collector must first sue you and obtain a judgment from the court before they can do these things)
*  Report or give false credit information about you
*  Ask you to pay more than you owe or the wrong amount
If you have experienced any of the above violations within the last year, then you may have a FDCPA case. You can fight back, and we can show you how if a creditor or debt collector is contacting you, and you have not experienced one of the violations listed below, your rights may still have been violated. The FDCPA is a complicated statute with numerous ways that it can be violated. The above is simply a list of some of the most common FDCPA violations. If you believe you have been mistreated by debt collectors, please contact our office to receive your free evaluation.

How to Negotiate With Debt Collectors
When it comes to scoring better repayment terms, your options differ depending on the type of debt.
Fielding calls from debt collectors is never fun. These callers, who have been tasked with collecting overdue, forgotten or delinquent loans, may phone you during the day, send collections letters to your home or even file a lawsuit for repayment. If the debt is an affordable one you know you forgot to pay, stopping the calls can be as simple as writing a check. But in other instances, say, if the debt is sky-high, the caller sounds fishy or you're not sure whether the debt is your responsibility, you may want to take a step back and negotiate with the debt collector.
Borrowers may choose to bargain for better repayment terms, to have the debt reported as paid in full on their credit reports or to have calls cease altogether. Here's how to negotiate with debt collectors:
• Verify that it's your debt.
• Understand your rights.
• Consider the kind of debt you owe.
• Consider hardship programs.
• Offer a lump sum.
• Mention bankruptcy.
• Speak calmly and logically.
• Be mindful of the statute of limitations.
• Negotiate how the debt will be reported to credit bureaus.
• Get the settlement agreement in writing.
You also have the right to ask the collector to verify the debt. Collections agencies must send a "validation letter" within five days of contacting you stating the debt amount, the creditor and what to do if you think there's an error. You have 30 days after receiving the first written notice to send a verification letter asking for additional information about the debt.
If the collection agency won't supply this information, it's a bright red flag that something is off.
Another letter you can send is a "stop contact" or "cease" letter, which asks third-party debt collectors to stop contacting you about the debt. This will result in the collector only being able to contact you to verify that it's stopping communications or that it's suing you. Keep in mind, a cease letter won't erase a debt you truly owe. "If there's a legitimate debt, it's not going to go away,".

​Understand Your Rights
As a borrower, you have rights when on the phone with a debt collector. The Fair Debt Collection Practices Act, or FDCPA, prohibits collectors from harassing or deceiving you. Here's what a debt collector can't do:
• A debt collector can't harass you or use profane language.
• The collector can't lie to you.
• He or she can't threaten to arrest or deport you.
• A debt collector can't call you before 8 a.m. or after 9 p.m.

FREE CONSULTATION CALL NOW!

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​​洪 春 成
​​JOHNNY HONG
​​​​​​​Founder & CEO

​Cell No. 702.996.5599
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E-Mail:johnnyhong1963@gmail.com
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Head Quarter Office
5115 Spring Mountain Road.
Las Vegas, NV 89146
California Branch Office
17011 Beach Blvd.
Huntington Beach, CA 92647​​​​​​​

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