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01 Jul

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How to Keep Your Money Safe While Traveling

July 1, 2013 | By | No Comments

Keeping your money safe is always a priority, but it’s especially important while you’re traveling abroad. Taking a few simple precautions before your trip and during your travels can ensure a safe, enjoyable trip and can keep your money secure. The last thing you want to do is return from a trip and have to deal with identity theft. Here’s how to keep your money safe while you’re traveling abroad:

Various Euro Denominations

photo by: Tax Credits

    • Make preparations with your credit card company.
      Before you head out, there are certain things you need to know about using a credit card overseas to ensure you and your money are safe such as alerting them that you’ll be traveling and knowing any fees you’ll get abroad.
    • Pack smart.
      When you’re packing, leave valuables and flashy jewelry at home. The U.S. Department of State recommends not dressing like an “affluent tourist” as this can make you more susceptible to thieves and scams.
    • Don’t keep your money in one place.
      If you have all of your money in cash in your bag, and your bag is stolen, it’s all gone. Instead, carry a combination of cash and a credit card or two. Have this cash and credit cards in multiple places. You can carry some in a bag and then some in a secret pocket in a suitcase or leave some in the hotel safe. If you’re traveling with someone, let each of you hold a portion of the money.
    • Avoid taking large amounts of cash.
      There are many points where you’ll need cash, but carrying a large amount with you is risky. Unlike a credit card, if your cash is lost or stolen, it’s gone forever. Plus, taking out a wad of cash to pay for something can make you a target for theft. Instead, keep the rest of your cash on a debit card you withdraw from, in the form of a traveler’s check, or back in a secure hotel safe.
    • Be careful with conversions.
      If you’re converting currency, airports will have higher fees. Instead, choose a bank or exchange booth with a better rate. Avoid any local who says they can help exchange your money for you, as it is very likely a scam. Also, be sure you’re aware of what the actual conversion is. Download the free Currency Converter app so you know you’re getting the right rate back.
    • Store your money in a safe place.
      Purses are easy to snatch, a book bag could be opened while you’re not looking and a wallet stored in a back pocket can be easily targeted for a pick pocketer. Instead, add safe money storage to your checklist for your international travel. A money belt is a common tool amongst backpackers and travel veterans. The belt wraps underneath your clothing around your waist. Or opt for a purse that goes across your body.
    • Protect your credit cards.
      When you’re using a debit or credit card, don’t let it out of your sight. Someone can take copy the numbers of the card or double swipe it. When you’re entering a PIN number at an ATM, cover it so people can not see your code.

    If a debt collector has been contacting you because of false debt from traveling abroad and they have violated your request that they cease contacting you or is otherwise violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online form for a free FDCPA case review.

28 Jun

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What is the Fair Debt Collection Practices Act?

June 28, 2013 | By | No Comments

Every consumer should know what the Fair Debt Collection Practices Act is and what it protects you from. Here’s a brief explanation:

Someone writing debt on a chalk board

by: Images_of_money

  • What is the Fair Debt Collections Practices Act?

    The Fair Debt Collections Practices Act, also known as FDCPA, protects you against debt collectors that use harassment, unfair or deceptive practices to collect the debt you owe, or in some cases, debt you already paid or falsely owe.
  • Who qualifies as a debt collector under the FDCPA?

    A debt collector includes a collector from a collection agency, collection lawyers or a company that buys delinquent debt and then tries to get debtors to pay (also called junk debt buyers or zombie debt).
  • What types of debts are covered by this act?

    Most types of personal debts are covered including credit cards, auto loans, medical bills, mortgage and student loans. Basically, any debt that was incurred for person, family or household purposes.
  • What does FDCPA protect against?
    There are many things a debt collector can not say and doincluding threaten action that cannot legal be taken, call you constantly for purposes of harassment or make false or deceptive claims. The specific violations are too many to list here, so if you are being contact by a debt collector, call us for a free case review.
  • Once FDCPA rights have been violated, what can be done?

    If you feel that your rights have been violated, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you. You can also complete our online for a free FDCPA case review. The debt collector has to pay your legal fees so you’ll be charged nothing for your case, even if you don’t recover anything.

24 Jun

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Things Debt Collectors Can’t Do and Say

June 24, 2013 | By | No Comments

Several stop signs in a row

photo by: wootpeanuts

Dealing with debt collectors can be stressful and overwhelming. But there are many things that debt collectors aren’t allowed to say or do thanks to the Fair Debt Collection Act to prevent harassing behavior. Here’s a list of some of the things they aren’t allowed to say or do while contacting you:

  • Use offensive and obscene language
  • Threaten to take away your property without a court order
  • Threaten to take away your wages without a court order
  • Lie about why they’re calling you
  • Misrepresent themselves or pretend they are someone else, such as an attorney
  • Threaten violence
  • Contact you between the hours of 9 p.m. – 8 a.m.
  • Call you constantly for purposes of harassment
  • Call you at work if they know you are not allowed to take their calls while you are working
  • Contact you via postcard Make false claim that you’re going to be arrested
  • Say that you’ve committed a crime
  • Make a false claim that a lawsuit has been or will be filed when it has or will not
  • Send you papers that are made to mimic court papers when they are not
  • Threaten to harm your property
  • Use a name other than the true name of the company
  • Fail to identify themselves while talking to you
  • Threaten to damage your reputation
  • Inform your employer about your debt
  • Contact your family and friends and tell them about your debt (other than a spouse if you’re married or parent if you’re under 18)


If you feel like any of these above actions have happened to you and a debt collector has been violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online form for a free FDCPA case review.

19 Jun

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8 Ways to Avoid Identity Theft

June 19, 2013 | By | No Comments

Identity theft is a booming problem that affects more than 10 million Americans per year leading to debt and financial disparity. But there are several ways to avoid having your identity stolen, and here’s how:

Man at ATM inserting his bank card

photo by: thinkpanama

  1. Guard your PIN. It sounds simple, but watch peering eyes while you’re visiting ATMs.
  2. Enter information online cautiously. Be sure a website is safe and secure before entering any credit card, bank, or other personal information. If you have any doubt, call to confirm it’s the right website.
  3. Keep your social security number safe. Don’t carry around your card unless necessary, and be cautious of who you give your number to.
  4. Protect your mail. Heading on vacation? Stop your mail to avoid any mail theft. If you’re moving, be sure to forward your mail to your new address.
  5. Shred your documents. Prevent thieves from attaining your personal information in your trash.
  6. Have a prepared list of your account numbers and expiration dates. If your wallet or credit card does get stolen, you’ll be able to immediately call your banks and lenders to freeze them and get a new card before a thief gets a chance to act.
  7. Use a strong password for accounts. While it may be easier just to use a simple password for everything, use a strong password that wouldn’t be easy to guess. Use a mix of capital and lowercase letters, numbers and symbols.
  8. Review your credit report. Check your credit report and credit score often to monitor for any suspicious behavior or inaccurate information.
  9. If a debt collector has been contacting you because of false debt from identity theft and has violated your request that they cease contacting you or is otherwise violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online for a free FDCPA case review.