Author Archives: Takara Alexis

Working With A Debt Collection Agency: Your Rights


Posted by Takara Alexis

Nobody wants to have to deal with a debt collection agency. And, while there are plenty of legitimate collection companies out there, occasionally you will come across a shady business that views bad debt collection a bit like Don Corleone. So, here is a brief overview of what a debt collection agency can do if you are contacted by one.

First off, a debt recovery agency can only contact you during regular times, such as after 8 a.m. and before 9 p.m. In addition, if you tell a credit collection agency that they can’t contact you at work-either in print or verbally-they can’t contact you there anymore.

Next, if you have an attorney representing you about your debt, then the bill collection agency must contact him or her. If you do not have an attorney, the agency is allowed to contact other people to figure out how to contact you. Debt collection agencies are only allowed to contact a third party once and can only discuss how to find you, not the particulars of the debt itself.

As you can see, it might be useful to hire a debt collection lawyer to handle your debt for you. Certain practices are completely off-limits for a collecting agency, namely harassment, false statements, saying you will be arrested, or unfair practices such as threatening to take any property they cannot legally take or depositing a post-dated check early.

When it comes time to pay, the debt collection agency is allowed to garnish your wages including social security benefits, veterans’ benefits, civil service and federal retirement and disability benefits, service members’ pay, student assistance and railroad retirement benefits. If you believe that the debt collector has broken the law, you are allowed to sue. Obviously, due to the cost and time involved, you should try to work with the debt recovery agency first in order to make sure everything goes well.

Rapid Recovery Solution is a debt collection agency that specializes in consumer and commercial debt collection both nationally and internationally. Contact them today for more information and for your FREE quote!


Causes Of Dry Skin


Posted by Takara Alexis

Moisturizing your skin is an essential part of skincare to keep it healthy and safe from disease. Dry skin is a serious problem that affects a lot of people in different ranges of degrees. Many people occasionally have mildly tight or flaky skin that fades quickly with treatment. But other people have flaking and itching that constantly bothers them causing daily and nightly frustration.

Older age is one of the most common causes of dry skin. Most people start to be affected by dry skin in their 50′s. By their 60′s everyone has some degree of dry skin. The next big one is weather and climate, major causes of dry skin. Low humidity occurs in particular areas of the United States year-round and in most areas in the winter. Low humidity also occurs indoors with certain types of heaters and air conditioners. Also, cold winds could also cause dry skin.

Exposure of the skin to direct sunlight in any climate can contribute to dry skin. The heat of the sun dries out the skin by consuming the natural oils in the skin. This can lead to flaky skin with premature wrinkles. This might make you think that water would be good for dry skin. However, water can dry the skin out in many ways. The issue with water is it takes the skin’s natural oils with it when it evaporates. The more frequently the skin comes in contact with water and the hotter the water, the more oils get consumed out of the skin causing dry and flaky skin.

In a similar way the skin dries out from water, soaps and detergents also add to dry skin. They consume the water molecules in the skin and take them away when they get rinsed off the skin. There are certain types of soaps which are more likely to dry out the skin. A good rule of thumb is any bar soap is going to dry the skin out more than any liquid soap. Some liquid body cleansers actually help moisturize the skin.

There are some medications that cause dry skin just as a side effect from the active ingredients in the medicine. Some common medications that can cause dry skin include diuretics like hydrochlorothiazide or furosemide. Then there are cholesterol medicines like pravastatin and accutane which will also cause dry skin.

Is there something else you would like to learn about skincare? If you want to learn more about skincare tricks and moisturizer secrets, contact Likewise Skincare today!