设万维读者为首页 广告服务 技术服务 联系我们 关于万维
简体 繁体 手机版
分类广告
版主:奇异恩典
万维读者网 > 彩虹之约 > 帖子
请版主把有关牵涉到个别金钱纠纷的讨论删掉。
送交者: 雅歌 2011年06月21日19:53:39 于 [彩虹之约] 发送悄悄话

请版主把有关牵涉到个别金钱纠纷的讨论删掉。

请版主把有关牵涉到别人金钱纠纷的讨论删掉。

下面是几个重要的理由:
1。彩虹之约不适合成为公开审判场所因为那是法利赛人的行为。不符合圣经的教导也不符合彩虹的宗旨。
2。不适合成为揭发别人隐私的工具,很可能已经违反美国联邦个人隐私权保护法(Privacy Protection Act)。
3。更不能被利用成为讨债工具,违犯联邦法和州法。联邦有规定合理的讨债法(Fair Debt Collection Act),请参考备注。各州有讨债有效期规定(State Statutes of Limitation on Debt Collection)。大部分的州限制为3-6年期,只有口头约定的更短。
4。因为牵涉到使用网际网路,有可能也违反联邦电信法。(参看注4)
(Internet fraud refers to the use of Internet services to present fraudulent solicitations to prospective victims, to conduct fraudulent transactions, or to transmit the proceeds of fraud to financial institutions or to others connected with the scheme.
Internet fraud can occur in chat rooms, email, message boards or on websites.)
请版主慎重行事,以后一律禁止这样的讨论!

=======================================================================
截录维基里的一段(注2)
Prohibited conduct。
The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following:

Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time[8]
Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted[9]
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.[10]
Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer[11]
Contacting consumer known to be represented by an attorney[12]
Communicating with consumer after request for validation has been made: communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt made within the 30 day validation period (or for the name and address of the original creditor on a debt) and before the debt collector mails the consumer the requested verification or original creditor's name and address[13]
Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer[14]
Publishing the consumer's name or address on a "bad debt" list[15]
Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law[16]
Threatening arrest or legal action that is either not permitted or not actually contemplated[14]
Abusive or profane language used in the course of communication related to the debt[10]
Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney)[17] (Collection agencies are allowed to contact neighbors or co-workers but only to obtain location information;[18] disreputable agencies often harass debtors with a "block party" or "office party" where they contact multiple neighbors or co-workers telling them they need to reach the debtor on an urgent matter.[19])
Contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business[20][21]
Reporting false information on a consumer's credit report or threatening to do so in the process of collection[22]
========================================================================

备注:
Fair Debt Collection Act:
1. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
2. http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act
3。State Statutes of Limitation on Debt Collection (列有各州讨债有效期规定):
http://www.bcsalliance.com/y_debt_sol.html
4。Internet Fraud
http://en.wikipedia.org/wiki/Internet_fraud

0%(0)
0%(0)
  我这两个帖,也是多余的。请版主也删掉吧!  /无内容 - 雅歌 06/22/11 (71)
  很好的参考,我也跟着学习了,谢谢!  /无内容 - 摇头 06/22/11 (108)
标 题 (必选项):
内 容 (选填项):
实用资讯
北美最全的折扣机票网站
贝佳药业美国专利【骨精华】消关节痛、骨刺、五十肩【心血通】改善心绞痛
一周点击热帖 更多>>
一周回复热帖
历史上的今天:回复热帖
2010: 没有上帝,一切都是被允许的?
2010: 為什麼葉子的顏色是綠色的?ZT
2008: 罗七,龙虾。。。
2008: 圣经背诵:交作业,雅各书第5章
2007: 犹大的后悔
2007: 贫道在查经班和人讨论过这个寓言。现试
2006: 教会生活问答:绝对听从?还是默默离开
2006: 龙的后裔与女人后裔的脉络