Perverted Credit

We all have our different opinions about our creditors and that is certainly our right; whether or not creditors behave legally or illegally. But creditors certainly do not have the right to break the laws, but they do this anyways. Right now there is no law stating creditors can or cannot judge based on our spending habits. Truly this act is wrong for more than wrong reason.

It is our right to seek counseling (without being judged). It is also our right to stop using any account (credit card) that seeks to break the laws or violate our privacy. Now obviously creditors already know what we purchase and even in a sense how we live. It shows on the monthly bills we get every single month. But to know that we are being judged in such a way that determines what our monthly payment will be is almost – incongruous. For those of us that are not doormats and are not willing to sit back and allow creditors to walk all over us… stop using them. Pay these creditors off as fast as you possibly can then cut the cards up. If you continue to use them even though you know they are abysmal then you have only you to blame. We stopped using our credit cards several years ago and although it took some adjusting we get by just fine. As a matter of fact we are in a better position because sooner or later you are not only have your credit card payment but you also have the same necessities such as food and gas.

It is understandable why any consumer is upset with credit card companies violating consumer’s privacy rights. Although there is more media attention now due to the Wall Street crash in late 2008, the credit card companies for many years prior have been violating consumer’s rights. For the people that have blogged stating essentially that if you do not have the money then do not buy it I truly could not agree more. However this is no excuse for any one company to overstep the laws and violate people’s rights. Credit card companies as well as other banks and creditors need to be changed. Sometimes however desperate times call for desperate measures. What if even just a large amount of consumers stopped using credit cards? Even though this would temporarily affect Wall Street it would “make” all creditors wake up.  We need to let credit card companies know that we will not take the abuse from them anymore.

I am currently starting a movement for “credit reform” and I need all the help I can get. I am a consumer advocate that is against creditors “violating” consumer’s rights. I have fought creditors and certain state government agencies for not upholding the law but one person at a time can only do so much.

We can complain all day long but at the end complaining does no good. What change can be made from not having a solution? Now is the time that we “do” something. Now is “our” time. It is no longer the creditor’s time. Understandably to some degree credit is a necessary evil but this by no means that we should all sit back to have these creditors walk all over us. We are people, not doormats.  The financial problems today will only bring about more creditors choosing to break the laws. We will see more and more collection agencies start to emerge and unless we choose to do something about it there will only be more problems with our personal finances.

Every piece of media out there needs to just STOP. You do not have a clue as to what you are saying and you are leading people COMPLETELY in the wrong direction.

9News – Stop advocating consumer credit counseling. CCCS does not know anything about consumer rights. The night of February 24 you broadcasted “watch 9news in the morning and learn about your rights” with your credit. That made me happy. I thought – FINALLY they are going to tell people about their rights in the credit industry. However when I saw the next morning that you were advertising consumer credit counseling I thought I was going to die. Consumer Credit counseling is a joke and knows absolutely nothing about consumer rights. The only thing they care about is hurting consumers for a profit and lying to consumers for a profit. Please get your facts straight before broadcasting that you know how to “help” consumers. I have been in the credit industry for over 15 years. Throughout the years I contacted Consumer credit counseling and believe me – they do not know the difference between the Fair debt collection practices act – the fair credit reporting act – the billing act. As a matter of fact – they do not even know what these laws are. Within THESE laws are the rights that consumers have – the consumers “Bible” if you will. If you- 9news truly care about consumers; get someone who really cares about them – NOT CCCS.

Gerri from CNN – you have some of what you say right. However; what you need to realize is although the attorney general is “supposed” to govern collection agencies – most of them do not. I have fought the Colorado attorney general for not doing their job. As a matter of fact – the Colorado attorney general receives payoffs from collection agencies to NOT do their job and protect consumers. Third party agencies are a nasty business and something I am STILL working on to this day to get changed. I am a thorn in klaura udis’ and paul chessin’s side and will NOT stop until something has in fact been done for consumers. The right way; for them… not me, not cccs, not the dirty Colorado attorney general – FOR CONSUMERS.