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rescueonefinancialnet · 3 years ago

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My (25M) ex-GF (29F) is moving out and wants to sell all of the furniture we acquired for the apartment when we were together, but not pay me back for debts. What should I do?

TL;DR - My GF and I have fought to the point she has decided to move out. I have paid ~$3000 in rent and other fees above our mutual living expenses and she does not recognize any of it. She wants to sell all of the furniture (some of which we paid for together) and pocket the money. Is there a professional in Canada who helps with couple break-up disputes over property?

The Situation: My Ex (29F) moved into the apartment I rent (25M) a year ago in Vancouver, Canada and fairly early into our relationship. We had been dating for 4 months and known each other for 3 years, so that is definitely soon for moving in. However, I had a terrible roommate at the time who was moving out and needed to fill his vacancy. I also work a schedule where I fly up to the arctic for 3 weeks straight of 12 hour days, then I have 3 weeks completely off.

Because of my work schedule, I thought that we would still have our separate space for awhile so we could still grow as a couple.

My Ex suffered a stress related ulcer health issue and was put on permanent disability benefits. Through these benefits, she is given $1100 a month. On top of this, she can choose to work and make an additional $1100 a month before her benefits kick out. Her portion of the rent is $700, $20 out of the $80 monthly internet, and I pay for all of the food.

Now another... controversial way, she has made money was through nude camming shows. She stopped doing these around 3 years ago due to an ex-boyfriend. When we first started dating, she expressed that she really wanted to get back into it. I am actually supportive of this... we discussed strict rules about any in-person contact with her viewers and I find independence and ambition sexy.

However, after she moved in... these talks about her doing the extra work she was allowed to do or starting back camming again faded. For three months she stayed in the house and watched YouTube videos on overcoming depression and spiritual healing. She said she needed to overcome her past trauma from her childhood and old relationships before she could go back to work. She also wanted the apartment to be completely remodeled in her way so she could feel comfortable in the home.

So I did that. In Fall to December 2020 I re-did the floors of the apartment, I re-painted the walls, doors and fixtures the colors that she wanted... It got to the point where I would work for three weeks straight, come home and there would be a three week straight to-do list of things I would need to complete before she could feel comfortable in our "home". This included things like building a soundproof faux-wall so we couldn't hear our neighbors doing laundry and putting privacy glass frosting on every window in the apartment.

During this time, she got addicted to Facebook Marketplace and found really good deals on a lot of furniture that we could use to "finish-up" the place. She'd find the deal, and I'd often go with her to buy it with her, or she would get it and bring it home for me to set-up. However, she spent all of her time on Facebook Marketplace and YouTube and still never tried to get a job or restart her cam career.

She blamed me for pressuring her too much as the reason why she couldn't work. She would come up with excuses as to why she couldn't work, and I'd help her solve them. She was worried about losing her government benefits, so I went through the effort of getting an accountant and corporate lawyer to show her how she could retain her benefits by creating a company. When it came to incorporating this company, she asked me to pay the incorporation fees because she was too scared. After this she worked a little bit, but never over 8 hours a week.

All of this caused a lot of arguments over time and recently it got to the point where I couldn't keep hearing that I'm the reason she is held back. She stated she needs to confront her childhood trauma of her abusive mother by moving back in with her mother and challenging her. She also says she can't afford her $700 portion of our rent. She has no debt and when she goes online she makes $100 an hour on webcam and gets a guaranteed $1100 a month from the government.

I am now at my wits end with this relationship and ready for it to end. I have covered 4 months of rent for her, $2800, her incorporation fees, $1600 (which is tax deductible so she will get every cent of this back herself next tax season), and I have paid for all of our food which I am not tracking.

However, now that she is moving out... she is saying that everything she found on Facebook Marketplace for the place is hers and she will sell it all for money. I refused and said that she is the one who owes me over $3000 dollars and if she doesn't take anything and just leaves I'll call it even. The random items around the house we bought for ~$600 from Facebook and other places. Also, she had a couch from a previous relationship that she bought for $1400 brand new and then kept in a dusty garage for a year before we got together.

I'll still take a significant loss comparatively in this, but I just don't want to be out $3000 and ALL of my furniture.

She didn't like this deal and said that I forced her to come here anyways so I owe her and I caused all of this. Also she stated the company was my idea anyways so even though I don't own it, the incorporation fees are hers now.

I said you either accept my terms, or I call the police, or an arbitrator, or take her to small claims. After she stopped calling me evil for suggesting those options, she now says that I "owe her" a second chance. She wants to move out and we keep dating each other so that we can re-try our relationship. I have agreed to this just so that her moving out can go a bit more smoothly for now. But I know eventually she's going to start trying to take everything out of our place again and leave me with nothing.

What are the options for me in this situation? Is there an arbitrator or someone you can hire to handle these types of situations? I've heard cops can be called to help keep parties civil during break-ups and move-outs. Would they enforce the fact that I should keep some of the property since she has outstanding debt to me and we got the property together?

I'm just so tired from all of this.

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flbankruptcy · 5 years ago

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Rio Frio, Texas Consumer Credit Counseling Service | (888) 551-1270

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https://www.youtube.com/playlist?list=PLnI5QoLuLNpOYrJy4bT-OlSsbHPM-PCEl from Rio Frio, Texas Consumer Credit Counseling Service | (888) 551-1270 via Rio Frio, Texas Consumer Credit Counseling Service | (888) 551-1270 October 03, 2019 at 11:02AM Copyright © October 03, 2019 at 11:02AM

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lovelyfantasticfart · 4 years ago

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As Now we have Seen Across Canada

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kadobeclothing · 5 years ago

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150 of The Most Expensive Keywords on Google (By Industry)

You may have heard that Google Ads is a quick way to get ROI from search engine traffic. This is an appealing prospect, especially because Google runs on a PPC (pay per click) model where you only pay for traffic that actually makes it to your site. However, handing Google your money is a concerning prospect, especially if you’ve heard rumors that it can be cost-prohibitive if you’re bidding in a competitive space on some of the most expensive keywords.

The best thing you can do for your strategy is understand exactly how Google Ads determines cost per click (CPC) on specific keywords, what makes certain keywords more expensive, and how you can build your ad budget in a way that actually gives you ROI. How Does Google Ads Determine Keyword Costs? Google has many different sources of revenue, but one of their most noticeable is the ads that appear next to search results for specific keywords. How much that keyword costs depends, in part, on how often people search for it — the more people search for a certain keyword, the more expensive it is. Ad placement is determined by an action system. The combined impact of these two factors will determine if and where your ad is placed on the page when a user searches for your query: The maximum bid you specify for the keyword The Quality Score that Google has given your ad These two factors will help Google determine your ad rank. In short, higher bids and higher quality ads win the best placements.

If a user ends up clicking on your ad, Google determines the cost of that click using the following formula: The ad rank of the person below you divided by your quality score plus $0.01. With this in mind, as long as you have a solid keyword strategy and high-quality ads, you can win ad placements even over organizations that are spending more on Google Ads than you are. The only thing to keep in mind is how strict your competition is. Most Expensive Keywords by Industry While it’s difficult to quantify the most expensive keywords on Google because of the sheer amount of data that changes daily, we’ve broken down the most expensive keywords for some of the most common industries: Legal

Top CPC: $1090.00Average CPC: $6.75 The legal industry has some of the highest CPCs in this article, primarily due to the high amount of competition they’re up against and the higher ticket service cost. For this industry, we looked at keywords relating to “lawyer,” “attorney,” “legal services,” and a few other related keywords. Here are the ones that topped the list: Keyword CPC houston maritime attorney $1,090.00 offshore accident lawyer $815.00 best motorcycle accident lawyer $770.00 18 wheeler accident lawyer san antonio $670.00 scranton personal injury lawyer $560.00 truck accident attorney dallas $515.00 houston trucking accident attorney $500.00 mesothelioma attorney assistance $490.00 new york construction accident lawyer $485.00 maritime lawyer new orleans $485.00 california auto accident laywer $475.00 auto accident attorney california $465.00 auto accident attorney colorado springs $460.00 car accident lawyer jacksonville $430.00 truck accident lawyer dallas $425.00 Medical

Top CPC: $90.00Average CPC: $2.62 What’s curious about this is that we targeted keywords around the top most common types of doctors, yet it was still urgent care and detox programs that dominated the highest costs per click. Keyword CPC urgent care emr $90.00 hospital alcohol detox $65.00 dermatological problem $65.00 fort lauderdale hospital detox $65.00 transporter hospital $60.00 children’s hospital emergency room near me $60.00 kensington hospital detox $60.00 urgent care jasper tx $55.00 childrens oakland hospital $55.00 weight loss surgery dallas tx $55.00 urgent care snider plaza $50.00 dallas bariatric $45.00 endocrine weight loss $45.00 urgent care 77041 $45.00 urgent care electronic medical records $40.00 Marketing & Advertising

Top CPC: $165.00Average CPC: $3.33 Marketing professionals in this space presumably know advertising tricks to help keep costs down, but this industry is also more likely to put value in Google Ads. That’s why the average CPC is relatively reasonable compared to these top CPC keywords: Keyword CPC what is marketing channels $165.00 call tracking marketing $125.00 marketing your law firm $120.00 seo and social media marketing services $115.00 affiliate marketing software free $110.00 law firm marketing los angeles $100.00 marketing automation for agencies $100.00 what does cpm stand for in advertising $95.00 3 p of marketing $95.00 marketing cloud software $90.00 ppc advertising management $80.00 marketing integration $80.00 email marketing automation software $80.00 what does ppc stand for in marketing $75.00 best marketing quotes $75.00 Business Software

Top CPC: $95.00Average CPC: $3.80 For this category, we didn’t want to include “SAAS” since that would not be a keyword a consumer would use to find the software of their choice. Instead, we used aggregate keywords around “business software” to see what the most expensive CPCs would be: Keyword CPC complete business solution $95.00 top 10 help desk software $95.00 help desk software for small business $90.00 small business call center software $85.00 accounting online program $70.00 best online accounting program $60.00 business performance management software $60.00 employee management software for small business $60.00 email marketing software for small business $55.00 best medical billing software for home based business $55.00 marketing automation software for small business $55.00 best crm software for small business $55.00 crm software for small business $55.00 best hr software for small business $50.00 small business marketing software $50.00 Real Estate

Top CPC: $95.00Average CPC: $2.37 Curiously, despite pooling all keywords related to “real estate agent” and “REALTOR” along with the other service-based keywords, it was the descriptive keywords using “fast” or “with cash” that seemed to outpace all others when it came to cost per click. Keyword CPC sell house fast austin $95.00 sell my house fast phoenix $70.00 sell my house fast austin $65.00 sell my house fast san diego $65.00 selling a house as is by owner $60.00 teacher home buying programs texas $60.00 sell my house fast orlando $60.00 quickly sell house $55.00 we buy houses fast for cash $55.00 will my house sell $55.00 sell house cash $55.00 buy house cash or mortgage $50.00 sell house fast for cash $50.00 buy my home for cash $50.00 worst month to sell a house $60.00 Home Improvement Services

Top CPC: $320.00Average CPC: $6.40 The home improvement industry is a large one, but we focused primarily on services such as HVAC, plumbing, and restoration and renovation. It seemed as though air conditioning and water damage seemed to be the ones with the dominant CPC in this group: Keyword CPC ac repair coral springs fl $320.00 emergency flood repair $265.00 flood restoration san diego $210.00 air conditioning repair weatherford tx $210.00 best ac repair phoenix $185.00 air conditioning repair boca raton $150.00 water damage restoration portland oregon $145.00 water damage restoration los angeles $145.00 air conditioning repair phoenix $140.00 air conditioning repair mesa az $135.00 air conditioning repair simi valley $125.00 air conditioning repair plano tx $120.00 water damage restoration mesa az $120.00 water damage restoration dallas $120.00 water damage restoration vancouver wa $115.00 Automotive

Top CPC: $50.00Average CPC: $2.46 For this industry, we decided to pull keywords relating to “auto repair,” “auto body,” and “dent removal,” taking care to remove any insurance or car accident litigation keywords. You’ll notice that lower ticket items such as oil changes and tire services are not present on this list. We can reasonably assume that advertisers in this category want to put their advertising dollars toward higher ticket items: Keyword CPC auto repair shop modesto ca $50.00 paintless dent repair denver colorado $45.00 abs unlimited auto repair $45.00 paintless dent repair mn $40.00 denver auto hail repair $35.00 change oil light $35.00 automotive repair lubbock tx $30.00 auto repair shops stockton ca $30.00 paintless dent repair colorado springs $25.00 auto ac repair las vegas $25.00 auto repair shops omaha ne $25.00 auto repair shop mesa az $25.00 aftermarket automotive warranty $25.00 dent repair colorado springs $25.00 paintless dent repair denver $25.00 Insurance

Top CPC: $280.00Average CPC: $3.44 Car insurance completely dominated the insurance industry: Keyword CPC compare vehicle insurance $280.00 oklahoma auto insurance quotes $210.00 insurance companies okc $185.00 cheapest auto insurance reddit $170.00 insurance strategy $160.00 texas auto insurance quotes online $155.00 preferred auto insurance companies $150.00 what is insurance deductible $140.00 what is premiums in insurance $135.00 fort myers auto insurance $130.00 auto insurance connecticut $125.00 definition collision insurance $125.00 hail damage car insurance claim $120.00 car accident other driver has no insurance $120.00 define insurance brokers $120.00 Loans & Finance

Top CPC: $320.00Average CPC: $3.44 In the finance space, we compiled keywords relating to banking, credit, debt, loans, mortgages, and more. The common theme among the high-CPC keywords was debt relief or loan acquisition (VA loans being especially popular): Keyword CPC irs tax debt relief program $320.00 va loan multi family $190.00 tax credit for college students $135.00 va loan after chapter 7 $130.00 how to get preapproved for a va home loan $125.00 structured settlement loan $105.00 national guard va home loan $95.00 cost to refinance home loan $95.00 how long does a credit card balance transfer take $90.00 va home loan specialist $85.00 will refinancing hurt my credit $85.00 maximum fha loan amount $85.00 does opening a checking account affect credit $80.00 fha loan foreclosure waiting period $80.00 tax debt relief program $75.00 Education

Top CPC: $140.00Average CPC: $2.40 It’s clear that online learning overtook the list of high-CPC keywords. This is likely due to smaller ticket educational items such as certifications, courses, and training not providing high enough ROI to justify such high costs per click. Keyword CPC online business degree programs accredited $140.00 online accredited psychology degree $135.00 online degree in educational psychology $135.00 online business degree florida $135.00 online university college $125.00 online psychology bachelor’s degree $125.00 online college business degree $125.00 fastest criminal justice degree online $125.00 online masters degree in business administration $125.00 parapsychology degree online $125.00 online degree criminal justice $120.00 online school for business degree $120.00 online masters degree programs in healthcare administration $120.00 masters degree in human resources online $120.00 public administration masters degree online $115.00 Some Notes About Our Methods: The list of highest CPC keywords was determined from approximately 10,000 related keywords per industry. This information was accessed from Ahrefs and compiled on April 3, 2020 and should be used only for editorial purposes as there are many more keywords out there, CPC is subject to change with current industry and economic conditions, and keyword tools will provide differing data. Be sure to perform your own keyword research before making advertising decisions. The average CPC per industry is unable to be determined from small datasets, so we pulled this information from WordStream’s keyword benchmarking report. Didn’t see your industry represented? Follow the steps below to find the keyword costs for your most relevant keywords. How Do I Find Out How Much a Keyword Costs? Thankfully, not everything on the Google Ads platform is so expensive. In fact, WordStream estimates that the average CPC on Google is between $1 and $2. With CPCs like that, you might be ready to: Decide if Google Ads is right for your business Find out the true cost of your most desired keywords Estimate the budget that it will take to power your lead generation engine The unfortunate part, though, is that Google’s Keyword Planner is no longer available for use if you don’t have an account. That means you’d have to go through the entire process of signing up and providing your payment information upfront, before you’re ready to create your first campaign. That means you need a way to find keyword cost estimates before committing to a campaign. Here’s how: Use a Third-Party Keyword Research Tool The good news is that Google is not the only place where you can get data about keyword cost and volume. There are a number of keyword research tools that you can use to estimate CPC for the keywords you want to target in your campaign. Brand Overflow Brand Overflow allows you to look up 10 keywords completely free, so if you’re doing preliminary research, this is a great option. After your 10 free keywords, their plans start at $9 per month. Here’s how to estimate CPC in Brand Overflow: Navigate to the Keyword Tool. Type your desired keyword in the first field. Ensure that the second field accurately describes the geographic location you’re targeting. Click the Search button. Scroll down and look for the AVG CPC box on the left. SEMrush SEMrush is also a full-scale SEM and SEO platform that includes keyword research and discovery as just a subset of its functionality. Unfortunately, it does not offer any free keyword searches without signing up for an account. Plans start at $99.95 per month, but have the option to take advantage of a 7-day free trial. This is a great option for those who are doing more in the digital space than just setting up a Google campaign. Here’s how to estimate CPC in SEMrush: Create an account or log in. Type your keyword into the search bar at the top. Click the Search button. You will be directed to the Keyword Overview tool, and CPC is at the bottom of the first box on the left. Ahrefs Ahrefs is also a full-scale SEM and SEO platform. Its plans start at $99, but there is no free trial. In order to determine if this software is worth the investment, you can start a 7-day trial where you get access to all features for $7. This is also a great option for individuals investing in search as part of their ongoing website and digital marketing strategies. Here’s how to estimate CPC in Ahrefs: Create an account or log in. Click the Keywords explorer option in the top menu. Ensure Google is selected at the top of the field. Type your keyword(s) into the field. If you are wanting to do multiple keywords at once, separate them with commas or line breaks. Click the button with the magnifying glass. CPC is represented in the third box in the top row. Set up a Fake Campaign in Google Ads If the cost of a third-party keyword research tool turns you off, you can still use Google’s Keyword Planner. You just have to go through the campaign process and then turn the campaign off. Note: By doing this, you’ll see a temporary $50 authorization which Google uses to verify your payment information. This is typically removed within a week. If you don’t turn off your campaign, your card will be charged every 30 days or when you reach your billing threshold. Be sure to review Google’s billing policies yourself before taking this advice. Here are the steps: Sign up for a Google Ads account. Go through the prompts to set up your first campaign. Once complete, click Explore Your Campaign. In the first card that shows the campaign you just created, click the arrow next to Pending. Select Pause campaign. Once you verify that you really want to pause the campaign, you now have a Google Ads account and can use the Keyword Planner for free (once the verification money is returned to you, of course). The plus side to this approach is that if you decide to move forward after your keyword research, you already have an account set up and a jump start on building a campaign. Here’s how to estimate CPC in Google’s Keyword Planner: Navigate to the Keyword Planner. Click Get search volume and forecasts. Type your keyword(s) into the field. If you are wanting to do multiple keywords at once, separate them with commas or line breaks. Select Historical Metrics from the top menu. Instead of providing an average CPC, Google provides a low range estimate and a high range estimate. These are represented in columns on the left side of the table. Getting CPC costs for your target keywords is the first step toward setting up your Google Ads campaign. The next thing you’ll want to do is determine the budget you’ll need to achieve your goals with the campaign. Start by reading our Ultimate Guide on Google Ads or downloading our free Ads kit.

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anthonyekoehler · 6 years ago

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DCS Financial, Inc,

Debt collectors like DCS Financial, Inc. (also known as “Diversified Creditors Service”) cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If DCS Financial violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is DCS Financial, Inc.?

DCS Financial is a third-party debt collection agency based in Vancouver, Washington. Founded in 2002, DCS specializes in consumer and health care collections and is not accredited by the Better Business Bureau (BBB).

DCS Financial’s Address, Phone Number, and Contact Information

DCS Financial is located at 717 E 22nd St A, Vancouver, WA 98663. The local telephone number is 360-992-4100 and the toll-free number is 800-945-3327. The main website is www.dcsfinancial.com/.

Phone Numbers Used by DCS Financial

Like many debt collection agencies, DCS Financial may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers DCS Financial may be calling you from:

325-224-6000

360-992-4100

800-945-3327

DCS Financial Lawsuits

If you want to know just how unhappy consumers are with DCS Financial, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display 5 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

DCS Financial Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If DCS Financial is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if DCS Financial violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If DCS Financial took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. DCS Financial, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did DCS Financial continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If DCS Financial is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop DCS Financial’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if DCS Financial violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if DCS Financial is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If DCS Financial is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against DCS Financial

Based on 16 reviews on Google, DCS Financial receives a 1.6-out-of-5 rating. Here are some of the reviews on Google:

“Would not do business with them. They lie and scam you out of money. Once they have your information on the debt you owe, they don’t contact you first, they just file paperwork with the courts, then get you with the legal fees and then have you served.”

“Sued me for collections despite me telling them I was unemployed at the time. I arranged payments after I had gotten a job and had secured some paychecks. They proceeded with the judgment regardless and garnished my wages. Evil, vile place.”

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can DCS Financial Sue Me?

Although anyone can sue anyone for any reason, we have not seen DCS Financial sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If DCS Financial has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can DCS Financial Garnish my Wages?

No, unless they have a judgment. If DCS Financial has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If DCS Financial has threatened to garnish your wages, contact our office right away.

DCS Financial Settlement

If you want to settle a debt with DCS Financial, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will DCS Financial remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from DCS Financial for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with DCS Financial, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against DCS Financial Below

We encourage you to post your complaints about DCS Financial. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by DCS Financial over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

The post DCS Financial, Inc, appeared first on Agruss Law Firm, LLC.

DCS Financial, Inc, published first on https://agrusslawfirmllc.tumblr.com

#Debt collection law #consumer law #Debt relief

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agrusslawfirmllc · 6 years ago

Text

DCS Financial, Inc,

THE BEST PART IS…

Who is DCS Financial, Inc.?

DCS Financial’s Address, Phone Number, and Contact Information

DCS Financial is located at 717 E 22nd St A, Vancouver, WA 98663. The local telephone number is 360-992-4100 and the toll-free number is 800-945-3327. The main website is www.dcsfinancial.com/.

Phone Numbers Used by DCS Financial

325-224-6000

360-992-4100

800-945-3327

DCS Financial Lawsuits

DCS Financial Complaints

How do we Use the Law to Help You?

THAT’S NOT ALL…

What if DCS Financial is on my Credit Report?

THE GOOD NEWS IS…

REMEMBER…

Complaints against DCS Financial

Based on 16 reviews on Google, DCS Financial receives a 1.6-out-of-5 rating. Here are some of the reviews on Google:

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

Can DCS Financial Sue Me?

Can DCS Financial Garnish my Wages?

DCS Financial Settlement

If you want to settle a debt with DCS Financial, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will DCS Financial remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from DCS Financial for the payment and settlement terms?

Top Debt Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Share your Complaints against DCS Financial Below

HERE’S THE DEAL!

The post DCS Financial, Inc, appeared first on Agruss Law Firm, LLC.

#Debt collection law #consumer law #debt relief agency

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robertlaw · 7 months ago

Text

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0 notes

emilypaul09 · 6 years ago

Text

DCS Financial, Inc,

THE BEST PART IS…

Who is DCS Financial, Inc.?

DCS Financial’s Address, Phone Number, and Contact Information

DCS Financial is located at 717 E 22nd St A, Vancouver, WA 98663. The local telephone number is 360-992-4100 and the toll-free number is 800-945-3327. The main website is www.dcsfinancial.com/.

Phone Numbers Used by DCS Financial

325-224-6000

360-992-4100

800-945-3327

DCS Financial Lawsuits

DCS Financial Complaints

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If DCS Financial took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. DCS Financial, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did DCS Financial continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

THAT’S NOT ALL…

What if DCS Financial is on my Credit Report?

THE GOOD NEWS IS…

REMEMBER…

Complaints against DCS Financial

Based on 16 reviews on Google, DCS Financial receives a 1.6-out-of-5 rating. Here are some of the reviews on Google:

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

Can DCS Financial Sue Me?

Can DCS Financial Garnish my Wages?

DCS Financial Settlement

If you want to settle a debt with DCS Financial, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will DCS Financial remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from DCS Financial for the payment and settlement terms?

Top Debt Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Share your Complaints against DCS Financial Below

HERE’S THE DEAL!

If you are being harassed by DCS Financial over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.