Monday, June 26, 2017

What Is The Fair Debt Collection Practices Act?


When it comes to conducting field visits on delinquent debtors, I am obligated -- as a representative of a debt collector -- to follow the Fair Debt Collection Practices Act. The Federal Trade Commission, the nation’s consumer protection agency, enforces the FDCPA, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Sunday, June 25, 2017

Someone Is Photographing My Home - WTF?


You look out a front window late one afternoon and notice a person standing in front of your home. They're holding a smartphone or a camera, and they are taking pictures of your house! Why is a stranger photographing your home? Are you being stalked? Is your home being cased for potential burglary?

Thursday, June 15, 2017

Curb Appeal Means Everything


I was asked to do an exterior property check last Saturday on a vacant home pending sale, at the request of the buyer's insurance company. I recognized the address and decided to look up the property in the local MLS to get the square footage needed for the inspection report, and to check the listing agent's remarks for any potential issues that might assist me in the inspection.

Tuesday, June 6, 2017

My First Field Inspection: A Wreck


I've been at this gig for some months now. I've gotten comfortable with meeting strangers who might not be glad to see me once they find out the purpose of my visit.

Of course, one always has to start somewhere, and as you can understand, when I had my first field visit assigned to me in early March I was pretty nervous. Was I going to screw up? What if the debtor turned belligerent? What if I messed up on the report? What if I couldn't even find the residence?