DNA is truly the future of Network Marketing with a NEW TWIST… D.N.A has taking network marketing to a new level and has taking network marketing out of the stone age and into the 21st Century. D.N.A is a Data Network Affiliate Company, it collects data to help law enforcement find missing kids, and for companies to help in their advertising efforts, but that’s just the part of what D.N.A. is. D.N.A. has grown to become more then just a data collection company. Though finding missing kids as well has helping to feed hungry kids is still the core and heart of this business.

The data collection business did over $14 Billion in revenue last year. The Direct Marketing Association says companies spent $191 billion last year on direct- response advertising. So you see the importance to companies D.N.A is in their marketing campaigns. The Department of Justice reported 797,500 children were reported missing in a one-year period of time studied resulting in an average of 2,185 children being reported missing each day. The really sad part is ONLY 492 children since 1997, has the AMBER Alert program been credited for the safe recovery out of the 1000′s of kids that has gone missing. DNA could help in such safe recoveries. With DNA help even if we only save ONE MORE CHILD it’s worth it. So again you see the importance D.N.A is to law enforcement. As an independent affiliate with D.N.A. you are helping to build databases. With most Network Marketing Companies, reps are selling a product for the company, with D.N.A., we are Building the Product for the company and ourselves.

Advertising is a MEGA BILLION DOLLAR INDUSTRY… DNA has goals to be at the FOREFRONT of the next decade of CREATIVE ADVERTISING and fortune 500 companies will pay DNA and it’s Affiliates very well for our services. Plus has a mentioned earlier DNA has grown to become more then just a data collection company they are Like FACE BOOK, GOOGLE, WALMART & AMWAY all WRAPPED INTO ONE… They already have the WALMART & AMWAY TYPE VENDORS all WRAPPED UP… and now they have a NEW VENDOR RELATIONSHIP with a company that going to change the CELL PHONE INDUSTRY. So has a DNA Affiliate you also be able to provide products and services at the lowest prices such as: Direct TV,Debt Management,A.D.T,Health Products, Dental Plans, foreclosure help,just to name a few. And Now with this new vendor D.N.A. will be able to be one of the first to provide a new revolutionary product for just $19.95 a month that you stick into your computer and get:

• 100% FREE Movies as many or more than Netflix
• 100% FREE Music as many as I-Tunes
• 100% FREE Call to any phone in The World from any where in The World including cell phones

and much much more

Now you should have no doubt D.N.A is like no other business you ever encountered and its only in its beginning stages, and you can get in on the ground floor for FREE.

Click here to get started
http://trev24.datanetworkaffiliates.com/

A federal statute known as the Fair Debt Collection Practices Act (often called the “FDCPA”) gives you specific legal rights to sue debt collectors who unlawfully threaten, berate, intimidate or harass you; call you during odd hours, make false representations about the the debt or their intentions, or otherwise act in ways proscribed by the act (and their are many). False statements may include threats to:

Attach your wages when unlawful or not intended.

This includes threats to take more wages than is permitted by the federal limitation (wage attachment for a credit card debt, a non-student loan or for an obligation that is not support is generally illegal in many States, however, now that law has been expanded to rent and lease damages in some cases-you should check the statute to be sure);

• Contact your employer about the debt;
• Call you “everyday until the debt is paid;”
• Sell the debt to another company for the purposes of continuing collection on a time-barred debt;
• Contact neighbors about the debt;
• Contact the Immigration and Naturalization Service about your alien status;
• Threaten imprisonment or criminal punishment;
• Report a financed vehicle as “stolen” because you missed one or more vehicle payments;
• File or threaten to file criminal bad check charges on a post dated check that the collector solicited from you;
• Immediate eviction (by an agent for a landlord); lockout, or seizure of personal property where such relief is limited by state law;
• A disguised threat of suit e.g. A collector requested “settlement prior to possible legal action” where the collection agency had no authority to sue or to retain counsel was held by a Federal District Court in Connecticut to be deceptive and violative of the FDCPA.

Here’s one you may not have anticipated:

• A threat implying that the collection agency has multiple employees or investigators working to collect the debt, where only one or two people work for the agency.
• Threats to collect or sue for “collection costs,” “attorney’s fees,” (see also below) interest not pre-agreed to in excess of that allowed by statute, “fines,” or any other fee in excess of the actual amount due, unless the original agreement provides for the amount the collector threatens to collect. For instance, the collector cannot threaten to add attorney’s fees or his fees where the agreement you signed does not specifically provide for them. Let’s say you went to the dentist and just signed consent form and a medical history. You agreed to pay for all charges if your insurance did not. Nothing is mentioned about anything else. The collector cannot add any other fees or even and especially, his costs, late fees or other charges.
• Threats adding “collection costs, attorney’s fees” and similar additional charges have also been held to be deceptive and misleading, because they do not state exactly what debt is being sought.
• Sue or bring any kind of legal action where the threat is not followed through (i.e. a scare tactic), or any number or other threats designed to demoralize, humiliate, degrade; embarrass or intimidate a debtor into payment.
• Any threat where the collector says he is legal counsel or an attorney/lawyer when he is not;
• The threat or attempt to mislead a debtor that a claim will be transferred to an attorney or separate department of a collector (e.g. “This will be transferred to our legal department for further action”). Letters misrepresenting that the account has been transferred to an attorney may include an attorney’s letterhead with threats of legal action. Have you ever received a letter from a lawyer who purportedly collects for a major creditor? Has the lawyer been out-of-state? Has the lawyer threatened to sue if payment was not made?

more info on debtor rights can be found at www.educationcenter2000.com

http://destroymydebt.net/nash/

The problem is a few unscrupulous companies scammed people out of thousands of dollars and did nothing and ran away with people’s money and leaving people with the same loan agreement.  Now many states have passed laws making it illegal for loan modification companies to charge up front to do loan mods for people.  To protect the homeowner these laws have been passed, but the problem is though the law has weeded out some of the bad loan modification companies, the ones that were legitimate did not have the financial backing to wait 6-8 months to get paid on a loan mod. These companies still had bills and staff to pay so they went under leaving people with fewer options to get help to save their home.

Theirs a belief that it’s illegal for loan modification companies to collect money up front to do loan mods, that is not true there are only 5 states that currently have laws in the books that state you can’t collect money up front to do loan mods and Illinois and Florida are two of those states. The other 45 states it is legal for a loan modification company to charge up front, but here are the things to watch out for to tell if a company is legitimate or not.

A legit company will provide a free evaluation to make sure you even qualify for a loan mod, no legit company will ask for any money until they start the loan mod process and that’s after they make sure you qualify and they feel  has though they have a good chance of getting the homeowner a loan mod based on the info given to them, and if they fail will refund the homeowner  100% of their money.

A legit company will also follow all state laws, and not charge up front in states where it is illegal and even in states where it’s not illegal will still provide the option to not charge you until successful completion of a loan mod, and have attorney’s on staff. Another big tip is check with the BBB make sure any company you deal with that you’re going to give your hard earn  money to has no history of complaints.

http://usahomeloanmods.com/nash/