How to Write a Cover Letter Posted on: July 18, A well-written cover letter can make a difference between your CV being read and it being thrown into the bin.
However, you may want to read this article so you may educate yourself for the future.
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I recently spent a little over 7 hours watching the videos produced by the FTC covering their recent debt collection workshop that took place on June 6th, The workshop participants included representatives of the FTC, CFPB, state regulators, consumer protection attorneys, junk debt buyers, and original creditors.
There was a lot of information that was shared in these videos. Information that can benefit our society when it comes to understanding the debt collection process and how it relates to us.
I have included some of the highlights short clips of these videos that pertain to debt validation in this article. I hope you find them to be informative and relevant. I also share my opinions, when it comes to interpreting this information, from both a debt settlement and debt collection perspective.
In an effort to help you better understand the risks of requesting validation on a valid debt. Debt Validation Letter — What happens when I send one? The common practice when an account is disputed is to validate it.
The probability of validation is generally dependent on your perceived ability to pay, the creditor, and the age of the debt. The full video can be viewed here: United States Federal Trade Commission, ftc.
In addition, debt buyers reported that they were more likely to verify debts that they had obtained from the original creditor Regression analysis, presented in Table 15, indicates that debt buyers were significantly less likely to report verification of disputed medical, telecommunications, and utility debt, as compared to verification of credit card debt.
Debt buyers also were significantly less likely to verify debt that was more than six years old, as compared to debt less than three years old.
The Structure and Practices of the Debt Buying Industry by the Federal Trade Commission in January — Page 40 Based on my experiencethe lack of response is generally related to one of two things. One, if they feel that you are uncollectable, they may not find it personally beneficial to bother with validating the account.
And two, it is possible that they may not be able to validate it. As Heather Allen pointed out in the video, the older your debt is, and the more it has changed hands, the less likely that they will do so.
If you are debating requesting validation on a credit card debt, make sure to note that the FTC report did state: The time for acquisition generally varies as well. Based on my experience, its range can be from anywhere from a few days to possibly as long as 6 months, and sometimes longer.
Which leads me to another consideration you should make: The collection agency or junk debt buyer can respond to a validation request years later. Why you should think twice before disputing a valid debt… I run into it all the time and you may too.
Almost every website out there recommends sending a debt validation letter on a valid debt. I believe these people are trying to help you. But, I also believe that they may not be aware of the potential reactions that may be created when sending a debt validation letter on a valid debt.
Unless they come from the debt collection industry, they would have no way of knowing how debt collectors think and react to these letters. Generally, the advice on sending a debt validation letter on a valid debt is premised on making sure that the collection entity who is attempting to collect from you is legitimate.
There are ways to accomplish this without exposing yourself to the risks that are associated with formally requesting validation on a valid debt. I explain them in detail at the end of this article. First, it singles you out… Most collection agencies and junk debt buyers service tens of thousands to hundreds of thousands of accounts at any given time.
In the above clip, Heather Allen explains that consumers dispute 3. This next piece of information is going to shock you. Most people assume that junk debt buyers and collection agencies collect a high percentage of the accounts that they service.
You read that right, 4 out of 5 accounts go unresolved. The reality is that junk debt buyers and collection agencies collect a very low percentage of the accounts that they service. Which means, on a monthly basis, debt collectors only collect between less than one percent to a few percent of the debt that they are servicing.
When you consider these dynamics, I personally believe your best protection is to mingle with the tens of thousands to hundreds of thousands of accounts that the collection agency or junk debt buyer is servicing, and to maintain a defensive rather than offensive position.
Phone calls and letters are standard operating procedure. In the above clip, Brandon Black, former CEO of Encore Capital aka Midland Credit Management one of the largest debt buyers in the countryexplains that 8 out of 10 charge-offs that go into collections never pay.
This figure is consistent with the entire debt collection industry.How to Write a Speculative Cover Letter That Wins You Interviews. You need to write a speculative cover letter when you are applying speculatively to an employer that you want to approach, but don't know whether they have any vacancies for which you would be suitable.
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ASIO's Business and Government Liaison Unit provides security advice to Australian businesses. The Universal Service Administrative Company (USAC) is dedicated to achieving universal service. As a not-for-profit corporation designated by the Federal Communications Commission (FCC), we administer the $10 billion Universal Service Fund.
An action plan is a detailed plan outlining actions needed to reach one or more goals.  Alternatively, urbanagricultureinitiative.com defines an action plan as a "sequence of steps that must be taken, or activities that must be performed well, for a strategy to succeed".
Also, if you're emailing your cover letter as an attachment (rather than in the body of an email), always send it as a PDF, she says. 7. Only include relevant information.