Blasting Those Who Put Others on Blast

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Homeowners associations, condominium associations, and others are legally entitled to collect dues and other appropriate assessments….no real problem here. But there are rules that apply to collecting the money owed. The NC Debt Collection Act and, in some cases, the Fair Debt Collection Practices Act, apply to the conduct of the person and entities doing the collecting.

One disturbing trend is publication of the names and addresses of property owners and amounts owed. Such publication violates the law and can lead to big headaches for the association. In fact, once illegal publication begins (and if it continues) the property owner could be entitled to recover monetary damages and attorney’s fees.

Common methods of publication by associations is the listing of the info in correspondence to all unit owners or posting a “deadbeat list” somewhere that it can be seen easily by others. These attempts to shame delinquent property owners are ill-advised and can cost the association dearly in the long run.

If you owe HOA or condo or association dues or some other type of debt and believe it is being illegally published try to keep or obtain copies of all such publications. Then contact an experienced consumer attorney. It could mean money to you and a washout of what you owe.

Small Fry Debt Collector is Now A Big-Time Debtor: Here’s How…

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Debt collectors have a job to do like anyone else.  And I suppose nobody really begrudges the collector who follows the letter and spirit of the law and conducts himself with dignity.  But the debt collection industry, like virutally every industry or profession, has some bad apples in the proverbial bunch.

One really bad apple is Read the rest of this entry »

Mission Accomplished: Bears Win!

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It was cold….it was loud…it was tight…..but the New Bern Bears did it. Completing their second undefeated season in three seasons, the Bears won 23-15 to capture their third state title. Congratulations to the team and thanks to all the supporters near and far. Another proud moment in New Bern history. Go Bears! 2014 state champs and a perfect season!

Me and My Rowdy Friends…Bear Style!

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That title grabbed you didn’t it?  Well, as usual it may not be what you think.  Here’s what it is…

As many of you know I am a proud grad of New Bern High School (Class of 1989) and tonight my alma mater plays in the Class 4-A state championship football game against Charlotte Catholic.  Gametime is 7:30 p.m. at BB&T Field in Winston-Salem and I expect to see hundreds of rowdy (but in a good way) and excited fans supporting our hometown team as they look to complete the perfect season with a state title.  For those who are unable to be there, if you have Time Warner Cable television you can watch the game on tv.  And for those who do not have Time Warner Cable you can listen to the game on ESPN 1490 Radio New Bern via streaming live or call 252-288-3022 and listen via telephone.

Sure it will be a bit nippy out and it is a bit of a drive from New Bern to Winston-Salem but I hope many are able to make the trip.  For those of you who are traveling please be safe and come prepared for the weather and the excitement.  New Bern travels well and I have been blessed to have been at the last two state title games when New Bern won in 2007 and 2012.  Best wishes to our Bears and for the fans let’s make it loud and proud:  Go Bears!

Got Facts?

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There has been a rash of high-profile police shootings of civilians which has again shone the spotlight on law enforcement procedures. It is indeed troubling to consider that law enforcement can violate the law and escape prosecution or other accountability and I would think that most law enforcement officers would (or at least should agree).  In fairness, law enforcement Read....for facts....officers perform some of the most dangerous functions in our society and are charged with protecting the public they serve.  But in the midst of the recent tragedies and the discussion about them we have folks making assumptions and spouting opinions without having their facts straight.  The Ferguson, Missouri incident involving Michael Brown has generated a firestorm of controversy and a plethora of evidence during grand jury proceedings. I will be honest: I have not taken the time to read through any of the grand jury documents.  As such I am necessarily limited on what I can say about the matter from a factual basis. Read the rest of this entry »

Consumers: Learn Your Rights and Exercise Your Rights

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In the world of debt collection sometimes things get out of control but how do you know when?  Take a few moments to learn some basic rights when dealing with debt collectors.  If you believe a debt collector has violated your rights do not try to handle it yourself.  Consult an experienced legal professional.  It could save you time and money and possibly even earn you some money.

Debt Collection A to Z: N is for Negotiation

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Money owed?  One party wants to get paid and the other wants the matter resolved while paying some amount but not necessarily the entire amount du.  This results in a need to negotiate.  In the world of debt collection the negotiation often takes the form of a discussion between collector and consumer and if an agreement is reached there should be Read the rest of this entry »