There is a lot more homeschooling info on my site!
False statements may include and this list is just a small example threats to: Or, a threat implying that the collection agency has multiple employees or investigators working to collect the debt, where only one or two people work for the agency.
Collect or sue for "collection costs," "attorney's fees," see also below interest not pre-agreed to in excess of that allowed by statute, "fines," or any other fee in excess of the actual amount due, unless the original agreement provides for the amount the collector threatens to collect.
For instance, the collector cannot threaten to add attorney's fees or his fees where the agreement you signed does not specifically provide for them. Let's say you went to the dentist and just signed consent form and a medical history.
You agreed to pay for all charges if your insurance did not. Nothing is mentioned about anything else. The collector cannot add any other fees or even and especially, his costs, late fees or other charges.
Add "collection costs, attorney's fees" and similar additional charges have also been held to be deceptive and misleading, because they do not state exactly what debt is being sought. Sue or bring any kind of legal action where the threat is not followed through i. Letters misrepresenting that the account has been transferred to an attorney may include an attorney's letterhead with threats of legal action.
Have you ever received a letter from a lawyer who purportedly collects for a major creditor? Has the lawyer been out-of-state? Has the lawyer threatened to sue if payment was not made? Other Little-Known Tactics that are also illegal: This even applies if the collector says if you don't do something within a certain time period, something else may happen.
See discussion below in the case of Brown v. Therefore, the threat is an empty one. Legal letters that are not reviewed by a lawyer.
It is unlawful for such a letter to be sent unless the lawyer reviews the letter? Do you believe that when thousands of letters issue the lawyer reviews each one? Do you also believe in the tooth fairy? Look at the letters you receive from lawyers.
Were they signed by hand? If not, perhaps they were not reviewed by a lawyer. The collector's threat to "make this go legal" or to "turn the matter over to the legal department" may violate the FDCPA where the collector has no legal department.
Do you think that the collector may be a collection operation only?
If so, perhaps they have no legal department, i. It is also a violation to send a letter stating that the collector will "recommend litigation" or "advise the creditor to sue. The collector is not permitted to give legal advice, unless, of course, if the collector is an attorney himself.
The Least Sophisticated Consumer Standard: Did you also know that it does not matter if you believed the threats or that a person of your intelligence would not have believed the threats i.
You as an intelligent consumer believe the threat is ridiculous since the U. Constitution prohibits such actions. Perhaps some guy name Cletus living in a shack on a mountain in Arkansas might believe the threat he also believes he had an alien enema that morning. This would be enough to sustain the standard and your burden of proof if the court believes that the threat occurred.
The courts have consistently said: The concept of deception protects even the ignorant, unthinking and the credulous, least sophisticated consumer. See discussion below and Jeter v.
It is also unlawful to charge for items not due under the contract. The reason was that although there is no wage attachment in Pennsylvania, generally, rent judgments were an exception. In effect, they gave themselves a pay raise, just like Congress! Gida, decided the judgment should be higher than it was because, he testified, "I believe it will take me almost three years to collect the judgment and I have costs of doing business Gida decided that his costs could be simply added to the judgment, so he just added them.D Are more and more providers using this code for diagnostic purposes, if so why?
If is the code for bone graft, any area, minor or small, what is the cpt and d codes for major grafting? Organization Profiles. Below are profiles of dozens of organizations that require medical or medical support personnel to help carry out their humanitarian missions.
Pauline's Guide to Homeschooling in PA Pennsylvania Home Education Law References ; To read about the PA Home Education law, see the law and the code on this page. I have many other pages about details of the law..
To read about the PA Private Tutor option, see the law and the code on this page, plus my private tutor page..
At the PDE's site, you can also read the PDE's Home Education and. It's always great to find a new way to present materials to my students and readers. To find a way of presenting activities which practise reading skills is very hard so I was very happy to find Article Video Robot.
Follow the link and you'll see some of the reading texts I've manage to convert to YouTube videos. education code. title 3.
higher education. subtitle a. higher education in general. chapter provisions generally applicable to higher education. Yahoo Lifestyle is your source for style, beauty, and wellness, including health, inspiring stories, and the latest fashion trends.