What to Do When the Debt Collector Sues

If you're behind paying your bills – and who is not, these days? – it's tempting to let the mail pile up. After all, who wants to face yet another reminder that their financial house is not in order? Ignoring the bills and debt collection calls can have a significant drawback, however, if a debt collection agency decides to take you to court.

Increasingly, debt collectors are using the court system not as their last line of defense, but as their first line of indemnity. There have been numerous reports in the mainstream media about debt collection attorneys filing hundreds of cases a week using automated software. Nonprofit organizations in New York City recently issued a report detailing the ways in which debt collectors routinely target lower income residents with lawsuits.

According to the law, you must be informed if you're being sued. Often, however, debt collection agencies do an end run around the law and do not notify the consumer (that's what the New York City study revealed). Other times, consumers let the mail pile up, not knowing that it contains legal documents that require their attention. Still other times, consumers know that they're being sued, but do not know how to go about defending themselves, and so either show up for court unprepared or do not show up at all. A recent survey of sentences conducted by the American Bar Association found that consumers who represent themselves in court do so to their own detriment, in that the have less favorable outputs than consumers who are represented by attorneys. For consumers who do not attend the legal proceedings, the judge has no real choice but to rule in favor of the debt collector.

Once you have a legal judgment against you, life can become even more difficult than it already is. If you do not have a job or any assets, you may think that a legal judgment can not do any real harm. After all, they can not squeeze blood out of a proverbial turnip, can they? That may be true, but chances are good that, ever, your financial situation will change. When it does, a debt collection agency will swoop in to collect on the judgment. In fact, there's been buzz in the debt collection industry about how it's time to get out those old judgments. Their thinking is that the economy is slowly improving, people are starting to go back to work, and the judgments will soon be enforceable. What does that mean? If you have a lawsuit against you and you get a new job, the debt collection agency could garnish your wages. It will feel like one step forward and two steps backwards.

The bottom line? If you're in a position where you might be sued by a debt collection agency, you need to keep an eye on any potential legal proceedings. If you're sued by a debt collector, you should mount a rigorous defense with the help of an attorney. Often, a fair debt attorney can help you to avoid a judgment, and sometimes even get the debt dismissed.

Nokia 6280: Take Full Advantage of 3G Multimedia Opportunities

The Nokia 6280 is a joy to use and with a vivid, bright and clear display. The key features include a MP3 player, PTT (Push To Talk), dual integrated cameras with video calling and email with attachment support. The 6280 includes a 64MB miniSD card in the package and this should be enough storage. The phone provides an ideal platform for 3G services such as real time video sharing and two way video calling. The phone creates a natural, user friendly conventional camera experience by operating the photography function in a horizontal landscape mode.

Pictures and videos taken with Nokia 6280 can be viewed directly on the screen and then shared with others via MMS or email. The 2 megapixel camera of Nokia 6280 snaps stills of good quality in daylight and adequate quality in darker environments. More features are Bluetooth dial-up networking, MP3 ringtones, 6 MB of onboard memory, miniSD memory card expansion, 64 MB card bundled, headset and printing support, USB 2.0 connectivity with PictBridge support, Tri-band GSM with EDGE support, Stereo FM radio. When it comes to adding extra software, Java is supported and if you want to synchronize with a PC, you get both the software and a cable that allows you to get good sound output both from the radio and the music player.

The Nokia 6280 mobile phone has a classic feel to it. The solid built frame only weighs 115g, lighter than other 3G phones from Nokia. The phone runs on WCDMA and tri band GSM, supporting video calls at a high speed of 384kbps. The push to talk (PTT) technology allows you to instantly talk to other people following a PTT phone on the same network just by the push of a button.

Nokia 6280

Car Insurance – Lowest – 5 Ways to Save Money on Auto Insurance

So – you want to save on car insurance and wonder what the lowest prices around are?  Check out the money saving tips below before signing on that dotted line.

Car Insurance Lowest: Shop Online

Selling insurance online provides savings that are passed on to customers by way of lower premiums.  If you are comfortable with doing business online, this may be the way to go for you.

You should, at least, start your insurance shopping process on the internet.  Use a website like Quote Wizard or 2Insure4Less to obtain a handful of quotations from different companies.  Now you have a basis for comparing coverage and prices.

Car Insurance Lowest: Find an Insurance Company that Caters to your Driving Record

To a great extent, auto insurance rates are set based on your driving record.   So, you need to find an insurer that offers a good deal for your type of driving record.   This is where comparison shopping comes in.  Use one of the websites mentioned above.  You’ll need to complete an online form with info about you, your vehicle, you driving record, etc.  You do that one time and 3-4 quotes will be emailed to you.  You’ll be surprised at how much prices will vary among companies.  Those companies that are not particularly keen to insure drivers with your type of driving record will stick out like a sore thumb…their quotes will be higher.

Regardless if you’re guilty of running a few red lights, or pressing too hard on that pedal or are even a “model” driver – the search should be on!  Comparison shopping is the #1 way to save money on your car insurance.

Car Insurance Lowest: Got a “Rough” Driving Record?

Check out companies specializing in high-risk insurance policies.

How do you find them? As mentioned above, use Quote Wizard.  They will direct the appropriate insurance companies to you.

Car Insurance Lowest: Review your policy

I strongly encourage you to check rates by shopping around at least once a year to be sure your car insurance company is keeping up with market rates.  You don’t want to be the guy who stayed with one carrier for 15 years only to learn one day you have been paying twice what the market is charging.

Car Insurance Lowest: Have a Look at Your Deductible

The price difference between a policy with a tiny $100 deductible and a mega $2,000 will affect insurance premiums by as much as 25%.  These are outside amounts-the most deductible is around $500.

Keep in mind that your deductible does not apply to liability cover.  Meaning that if you are at fault in an accident and have adequate coverage, your policy will cover any damage you caused to other parties and their property.  Your deductible is applicable only to repairs and replacement cost for your vehicle.

How much are you willing to pay out of your pocket for damages to or loss of your car?  Set your deductible at the highest amount that you can afford, but do not assume that you will never need to pay it.

How to Find an Audi Concept Car

People who love cars they always dream of buying a concept car. Concept cars are stylish and radical looking cars that are showcased at motor shows by the car manufacturing companies such as Audi to understand what the reaction of the people who view it. Audi concept can be seen at various motor shows that take place across the globe.

Concept automobile never go into production. However, after the automobile manufacturing company goes through the customer reaction, necessary changes such as design modification, cost, etc are done and then the car is finally released in the market. The reason why people love concept cars is because it not only looks radical but also have powerful engine. There are plenty of Audi concept vehicles such as Audi S5 Concept, Audi Q5 Audi Locus Concept, Audi A3 TDI Clubsport Quattro Concept, Audi RSQ Concept, and Audi Q5 Cross Cabriolet Quattro Concept.

Here are some tips that will help you understand where you can find a concept car from Audi:

  1. Start your web browser and open your search engine and search for concepts from Audi. You can type 'Audi concept car' in the search engine. The search result will show you a complete list of website that sell or review concept automobiles from Audi. You will also come across websites through which you will come to know the schedules of the forthcoming auto shows. If you are primarily interested in concept cars from Audi, you can visit websites that exclusively sell and review concept cars of Audi.
  2. If you open the dedicated website for concepts from Audi, you will be able to view the specifications of all the concept cars Audi has produced. Moreover, you will also be able to download amazing wallpapers and screensavers on your desktop. Once you have found a good website that reviews all the major and famous automobile from Audi, you can start reading the reviews to understand the pros and cons of each concept car.
  3. If you want to see the concept cars physically, you can visit an auto show to check out concept cars from all the major car brands
  4. You can even check out the local newspaper to learn about the upcoming auto shows.
  5. You can visit the official website of Audi and there you will able to find new and updates of the upcoming car shows.

Why should you visit a concept auto review site?

The answer is pretty simple. Through the reviews you will be able to understand the features of the car. So when you visit a car show in person and if you happen to come across a car of which you have read review, you will able to decide which car present at the auto show is the best. Keep in mind that the concept automobile that is designed for auto show is not assessed for safety and road specifications. Here, many people do not buy the Audi concept automobile right way the moment they say but wait for the car to release in the market.