Collector Clock
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 POWERPUFF GIRLS ALARM CLOCK PINK SMALL New in package  US $4.99
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 brass work Ship Rudder Clock US $68.00
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 New work brass pipa clock US $78.00
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 VINTAGE TRAVEL ALARM CLOCK PHINNEY WALKER GERMANY GLOW IN DARK NUMERALS WORKS US $6.00
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 SWISS ARMY VICTORINOX DUAL TIME TRAVEL ALARM CLOCK INC 33583 RARE 2001 NIB NR US $150.00
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 1890 Mercury French Crystal Regulator Pendulum US $72.90
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 Animated Kitten With Fish Bowl Clock Lots of Movement US $28.50
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 Oval French Style Carriage Clock eight day NICE US $56.55
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 8 Day New Haven 1875 Shelf Clock NO RESERVE US $55.50
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 rare old black Forest One Hand clock works perfectly ANNO 1640 RUSTIC MANUAL US $79.00
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 Collectors Wall Clock Professional Bull Riders US $8.99
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 Vintage Mid Century 1960s AIMOR Travel Clock w Am Fm Radio Leather Case US $45.99
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 Westclox 1927 Ben Hur White Dialed Alarm Clock Very Rare US $13.50
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 Westclox 1935 Black Dialed Big Ben Loud Alarm Clock US $25.00
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 Car Clock Country Timepiece Collection Collectible US $3.00
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 Brushed Aluminum Young Town Quartz Working Wall Clock Battery Operated US $4.99
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 THE LUX CLOCK MFG CO ALARM CLOCK VENUS MARK II 1930 1940s US $9.99
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 Noahs Ark Ceramic Clock US $25.00
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 Vintage Smokey the Bear 110V Electric Clock 12 working Cond NR US $49.99
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 Seth Thomas Banjo Clock US $24.95
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 Mini Grandfather Battery Wall Clock US $15.99
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 Coca Cola battery operated alarm clock great condition and alarm works US $25.00
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 Dutch Holland Scene Windmill Clock Spinning Windmill US $65.00
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 Waltham Automobile and Airplane Clock Catalog 1972 reprint Waltham Watch Co US $4.99
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 GOLF BAG Gold Clubs Timex Desk CLOCK 35high Waterbury Office Quartz Collector US $9.99
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 Antique TELECHRON CLOCK Promotional Advertising HALLIBURTON Rare USA Vtg 1940s US $69.99
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 VINTAGE SPARTUS TOP HAT 5OCLOCK WALL ART CLOCK UNIQUE US $29.99
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 NOS Vintage Red LED Clock chip Module Kit 24 hour time Heathkit Ham Radio 1970s US $29.00
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 VINTAGE BRASS CARRIAGE CLOCK PLAIN DESIGN WORKING GOOD US $99.99
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 LeCoultre Model 51 8 Day Alarm Clock with Original Box and Papers Needs Repair US $80.00
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 Brass Deer Top Mechanical Novelty Clock US $18.51
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 Tourbillon Escapement Gold Plated Crystal Regulator US $330.87
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 Rosewood Gilbert Striking Cottage Clock US $9.99
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 Mechanical Carriage Clock With Scenes on Sides Front US $9.99
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 Unusual Junghans Chiming Bracket Clock NO RESERVE US $65.00
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 Very Interesting Animated Brass BirdCage Alarm Clock US $17.50
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 Great dane Cute C2 Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTO US $7.99
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 Greyhound Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Husky Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Husky Twain Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Jack Russell C1 Terrier Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECO US $7.99
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 Jack Russell C2 Terrier Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECO US $7.99
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 Maltese Cute C1 Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Maltese Cute Dog C2 W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Maltese Cute Dog C3 43 W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECT US $7.99
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 Poodle Cute Dog W10 inch Round Wall Clock Silver GIFT ROOM DECOR COLLECTOR US $7.99
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 Coca cola clock US $35.00
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 VINTAGE SAND CLOCK VERY BEAUTIFUL ANTIQUE HANDMADE WOOD 3 MIN A PIECE OF ART US $9.99
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 Green dial bedside clock small ANDROID US $49.99
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 Vintage1940s Neon Products Inc Lima Ohio Coca Cola Diner Advertising Clock US $610.00
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 Folding LED Lighted 30xLoupe Antique Clock Repair Tool US $9.99
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 Tokyo Japan 1964 Olympic Seiko Clock US $100.00
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 Westclox 1990 White Dialed BABY BEN Clock Very Rare US $12.50
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 Western 1925 Black Dialed Jack oLantern Alarm Clock Very Rare US $12.50
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 Michael Jordan NBA Collectors Commemorative Wall Clock US $29.00
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 ANTIQUE SCOTTISH DRUMHEAD MAHOGANY LONGCASE GRANDFATHER CLOCK JA MUIR FALKIRK US $8,699.00
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 LARGE AND HEAVY ANTIQUE ART DECO MARBLE MANTEL CLOCK WITH PAIR OF GARNITURES US $1,410.00
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 Hobo clock US $12.00
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 BRASS “TEXAS” DESK CLOCK PAPERWEIGHT Western HatRhinestonesMyota QuartzRuns US $19.95
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 Vintage 1970S NOS GE 7 4305 FM AM Digital Clock Radio walnut finish NEW MINT US $31.00
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 Vintage GE 7 4410 FM AM Digital Flip Clock Radio NEW walnut grain finish US $103.48
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 Vintage NOS GE 8115 White Time Scan Digital Flip Electric Clock BRAND NEW IN BOX US $9.99
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 Vintage 1980S NOS MAGNAVOX AS128 44 AM FM Digital Clock Radio NEW IN BOX MINT US $149.99
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 Seiko Melodies In Motion Wall Clock 12 Song Collectors Edition QXM142BRH US $43.90
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 Timex Collectible MiniClock of an Antique Sewing Machine US $4.00
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 Bradford Exchage Majestic Strike Eagle Clock US $35.00
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 Vintage Retro Sun Burst Clock LARGE Jewled Made in Germany US $49.99
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 WWII KIENZLE GERMAN 8 TAGE MILITARY ARMY CLOCK WOOD MANTLE FRAME PARTS STEAMPUNK US $49.99
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 GE GENERAL ELECTRIC THERMAL CONTROL THERMOSTAT TELECHRON CLOCK BAKELITE WORKS US $29.99
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 Franncois Gilbert A French Gilt Brass Table Clock Circa 1740s US $4,300.00
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 Cartier Prism Mystery Desk Timepiece Circa 1980s US $5,900.00
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 LARGE ANTIQUE SCOTTISH LONGCASE GRANDFATHER CLOCK JOHN MCRAE INVERNESS 1837 US $8,099.00
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 MATTEL BARBIE PINK FM RADIO LIGHT UP CLOCK W ALARM SNOOZE PERFECT 4 EASTER US $10.95
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 ★VINTAGE TELECHRON 4505 4F05 WOOD MANTLE CLOCK ART DECO NOUVEAU WORKS★MAHOGANY★ US $29.99
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 Vintage 1950s Mechanical white WESTCLOX alarm clock WORKING US $5.50
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 ANTIQUE WATERBURY CYCLONE RADIUM ALARM CLOCK WINDUP PEG LEG PARTS STEAMPUNK US $24.99
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 LOT 2 WELCH CLOCKS CATALOG REPRINTS 1 BY TRAN DUY LY US $7.99
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 NAWCC BOOKLET SHAKER CLOCK MAKERS GIBBS MEADER US $5.99
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 1930s VINTAGE ART DECO CIRCUS ELEPHANT CLOCK US $129.99
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 CLOCK WATCH HOLE CLOSING PUNCH SETFrench Made Horological Tools Supplies US $9.99
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Debt Collector Tactics: Avoid Getting Duped into Paying Old Debt
You don't have to look far to find consumers who have been tricked by debt collectors. Time and again, debt collection agencies resort to tactics that either skirt the legal line or cross the line altogether, and that violate the federal Fair Debt Collection Practices Act. Today, we'll look at one way in which consumers are duped, namely resetting the clock on an old debt.
To understand the tactics that are used, we first need to take a look at the debt buying market. In a nutshell, there are two types of debt collectors. The first are those who work for original creditors. So, for example, if you're behind on your dental bill and the dentist's office calls you, that's an original creditor. Likewise, financial institutions that issue credit cards have their own internal collection departments.
The second type of debt collectors consists of third-party debt collectors. These debt collection agencies are hired by original creditors to collect payments. So, for example, if your dentist turned your account over to the XYZ debt collection agency, that agency is considered a third-party debt collector, and must abide by the provisions of the Fair Debt Collection Practices Act.
Some third-party debt collection agencies act only on behalf of their clients (such as your dentist), others are primarily debt buyers, and others are a hybrid of the two. Debt buyers typically purchase debt that's been written off as uncollectible by the original creditor, and then try to collect on that debt. They buy the debt very cheaply, so they don't have to collect much in order to reap a profit. A subset of debt buyers are those who buy very old debt, namely debt that's beyond the statute of limitations. You see, after a certain number of years (which varies from state to state, but is generally between three and ten years), a debt collector can no longer sue a consumer in court to try and collect the debt. When that's the case, the statute of limitations has run out.
This "out-of-statute debt" is legally uncollectible - unless the debt collector can proverbially reset the clock. If a debt collector can get you to make a payment on an out-of-statute debt - even if the payment is only a few dollars - then a new transaction has occurred and the debt is considered current. At that point, the debt collector can take you to court and get a judgment against you.
This type of debt buying is a numbers game, pure and simple. An agency can buy $1 million of debt for $10,000 (sometimes much less). It's easy to see, then, that debt collectors only have to convince a small number of people to make a small payment in order to then take them to court and, ultimately, reap a huge profit.
What does this mean for you? If you're contacted by a debt collector, you should demand that the agency validates the debt. This means that they must provide you with documentation about when the debt was incurred, along with information about the original creditor. If the debt is old, you should determine your state's statute of limitations and see if the debt is considered uncollectible. By no means should you make a payment on debt that you're not sure about, nor should you succumb to a debt collector's threats or harassment. Instead, you should understand your rights under the Fair Debt Collection Practices Act, and fight unfair debt collection practices.
About the Author
Sergei Lemberg, Esq. is the Principal of <a href="http://www.lemberglaw.com"> Lemberg & Associates</a>, a law firm specializing in <a href="http://www.stopcollector.com">fair debt collection law</a>, lemon law, and other consumer law.
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