11.2.20 Debt collectors can now reach you through social media; HSA rules for 2021

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 2 November 2020

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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Summary

Debt collectors will now be allowed to contact you via social media. Clark tells you how to protect yourself in this new era of debt collector access. The HSA is still one of the greatest retirement tools around. But most people don't use it as a way to save and invest for the long-term. Clark discusses how you can use an HSA effectively if you have access to one. Want more money advice? Sign up for Clark’s free daily newsletter! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:26.6	Not investment advice, crypto trading involves risk of loss.
0:30.2	I'm so glad you're with us here on the Clark Howard Show,
0:39.2	where it's about you learning ways to keep more of what you have.
0:43.0	There's a big change in the rules governing how debt collection works in the United States.
0:51.2	The rules were just published after a lot of arguments about how the new rules would work,
0:58.6	and it's key that you know because the guess is somewhere about one and three of us
1:05.3	have a debt that is in the hands of a debt collector.
1:09.1	Historically, we've talked about debt collection under an old law called the Fair Debt Collection
1:15.5	Practices Act that has the rules, the guidelines on how a collector can contact you,
1:23.3	when he or she can contact you, what things they can and can't do when they do contact you,
1:30.8	a couple of examples. They cannot legally threaten to kill you, physically harm you.
1:37.6	Can you believe I have to say that stuff? They can't threaten that they can jail you.
1:43.0	All these are things that we've heard from people that they've been harassed in those ways
1:49.2	by debt collectors, especially by being told they'd be jailed. In addition, the rights you have,
	...

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