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| One-third of Become the Squeaky Wheel explains the basics of a solid collection policy in plain terms for lay readers; one-third offers a wide variety of sample forms from a request for credit references to a suggested "friendly reminder" to a "seven days letter"; and one-third is an appendix of relevant acts and laws including The Fair Credit Billing Act, The Truth in Lending Act, and much more. TILA - Truth In Lending Act (15 USC Section 1601 et seq) By treating their contracts as leases rather than installment sales or small loans, consumer advocates say, they avoid complying with usury ceilings and laws that require interest rates to be disclosed, such as the Truth in Lending Act. |
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