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: Asia Business Intelligence

?????????????? (Part I)

[Editor's Note: I'm pleased to post the first of a two-part article I wrote for ???? (World Weekly), the Sunday magazine section of the widely circulated ???? (World Journal). It was originally published on page 80 of the Sunday, February 12, 2008 edition.

The subject is debt collection in the United States. Most articles in Chinese language publications focus on immigration, but I thought the subject of debt collection especially relevant to Chinese immigrants, but entirely untreated.

In this first article, I write for a readership of Chinese consumers throughout the United States who may, just as any ethnic group, find themselves the target of aggressive collection agents. My hope is that this article clearly informs them that they have certain rights under the law.

The second part of the article, which I will post in a few days, is written for the business reader who has uncollected debts and is unaware of the legal methods by which he may pursue them.]

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???(Richard Kuslan? Esq.)

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??6?????????? ?????????????? ???????????????????????????

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?When are you going to pay off the money you owe me? For that new car you bought and didn?t pay off?? ????????????????????????

???????????????????????????????????????Wrong number????????????

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?Don?t ever hang up on me again! I want my money and I want it now.? ??????????????????

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???????easy credit (????????????)????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????

????????????????????????????????????????????????????????????????????????

????????(Fair Debt Collection Practices Act??FDCPA)????????????????????????????????????????????????

??????(???????????)????: ????????????? ????????????????

FDCPA????????????????????????????????????????FDCPA???????????????????????????????????FDCPA???????????????????????????????????????????????????????????FDCPA????????????????????????????????????????FDCPA.

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FDCPA???????

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??FDCPA???????????????

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?????????? ????????????38???????????????????????????????????????????????????????????????????????????CallerID (??????)?????????????????? ????????????????????????????CallerID???????

??????????????????????????????????????????????????????????????????????????????????????????????????????? Certified, return-receipt requested????????????????????.

????????????????????????????????????????????????????????30???????????????????????????????????????????????????????????????????

?????????????FDCPA??????????????????????????????????????????????????????????????????FDCPA???????????????????1000?????????????????.

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© 2008 Law Office of Richard Kuslan LLC

Full post as published by Asia Business Intelligence on February 20, 2008 (boomark / email).