My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.

IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)

Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.) To the scum …

How to get out of Credit Card Charges. The reality is they are hard to get out of but it’s not impossible. www.gradualreport.com for less

www.markfiore.com Watch the latest animation on credit card reform. If you love your credit card company, you’ll love this inside look at the credit card reform act that will take effect soon. A Mark Fiore political animation. Credit reform animation don’t leave home without it.

Ricks Rant for January 12, 2010

What do you think of Square? It’s not out yet, but will be in a few months! I got a little preview MORE SQUARE INFO: squareup.com ** MORE VIDEOS? http youtube.com MY BLOG: ijustine.com JUSTINE SHIRTS! http DAILYBOOTH WITH ME: dailybooth.com FACEBOOK: facebook.com **

With the new credit card regulations in place card issuers have come up with more practices that are unfavorable for consumers. smartmoney.com Senior Consumer Reporter Kelli Grant tells us about five new tricks cardholders need to watch out for.

Austan Goolsbee of the President’s Council of Economic Advisers answers questions about credit card reform submitted live and in advance through creditcards.com

The brilliant Wes Anderson My Life, My Card ad starring Jason Schwartzman and a cast of, er, um many!

An old idea, a new design. It turned out pretty cool, and the material used is the finest steel money can buy! Great picks, not for one time use …

This is a Credit Card Funeral that Judge Robert Cilley officiated. Pam Young can help you get out of debt with her new book, The GOOD Book: Get Out Of Debt book. budurl.com

Slasher film spoof – inspired by radio host Dave Ramsey’s approach to debt reduction. A man has nightmares about high credit card debt, wakes up and proceeds to do unpeakable things to his credit cards

In February reforms will go into effect restricting the way credit card companies do business. Grand Valley State University Professor Greg Dimkoff said, “The reform will knock out to billion in revenue.”