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Email Laws That Could Bring You to Jail Even if You're Not Spamming
by: Mohamad Zaki Hussein
First things first, I'm not a legal expert and so this article DOES NOT represent any legal or professional information and nor can I guarantee its accuracy. I only wrote this article to introduce you to these email laws that might affect us, email marketers.

OK, so what're these email laws?

They're the Child Protection Registry laws that have been taken into effect in the State of Michigan and Utah.

These laws established "Do Not Email" registries into which individuals or institutions that primarily serve minors can enter minors' email addresses or any email address to which minors may have access. Institutions or entities that primarily serve minors can also register their entire domain names.

People are prohibited by these laws from sending email to the addresses that have been in the registries for 30 days or more if the email contains material or link to material that is illegal for minors. And it doesn't matter whether the email is solicited or unsolicited, you still can't send such email.

You might think that the materials must be something obvious such as pornography, gambling, alcohol, etc. Yes, but they're only part of the materials.

The other part consists of less obvious stuff, namely stuff that looks fine, but might be illegal for minors because minors are prohibited by law from viewing, receiving, participating, possessing, or purchasing this stuff. This includes automotive sales, financial services such as credit card, etc.

And according to the Institute for Spam and Internet Public Policy, these laws apply to almost all people in the United States and even those outside the United States who have a physical presence in the United States. (see http://www.isipp.com/child-protection-email-address-registries.php)

So, imagine you have some email addresses in your list that happen to be already in the "do not email" registry for 30 days, but you're not aware of them. And one day, you send an email that contains a link to a webpage that has some Adsense ads that advertise some automotive sales, guess what may happen to you?

Well, your action may be considered as a computer crime and you might face civil suit and fines or/and you might even face criminal suit and penalty.

So far, there are two things that you can do to prevent you from getting trouble with these laws.

First, make sure that you never send email that contains material or link to material which is illegal for minors. This is so obvious, right?

Second, if you think that you can't comply with the first option, then you can purge your list by matching it against the registries in a regular basis. But there are fees for this.

Don't panic about these laws. Instead, find more information about it. You can start learning more about these laws by visiting the references below:

- Michigan Children's Protection Registry site:
https://www.protectmichild.com

- Michigan Public Act No. 241:
http://www.legislature.mi.gov/documents/2003-2004/publicact/htm/2004-PA-0241.htm

- Michigan Public Act No. 242:
http://www.legislature.mi.gov/documents/2003-2004/publicact/htm/2004-PA-0242.htm

- Utah Code - Child Protection Registry:
http://www.le.state.ut.us/~code/TITLE13/13_26.htm

- Michigan government's press release:
http://www.michigan.gov/gov/0,1607,7-168-23442_21974-121645--,00.html

About the author:
Mohamad Zaki Hussein is the webmaster of http://www.webtrafficideas.com. To learn how to build a perpetual traffic engine by combining Viral Marketing with RSS and Blog, grab the FREE "Instant Traffic Formula" report at http://www.webtrafficideas.com/getviral.


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Legal Debt Collection Tricks
 by: Steve Austin

If a customer owes your local business money, it's hard not to feel angry, like you want to do anything possible to get your money back. But the days of going all out to collect on a debt over.

The Fair Debt Collection Practices Act, designed to protect consumers from harassment or intimidation, sets firm limits on what you can do to collect a debt from a consumer. The federal debt collections law even prohibits practices that were once standard, and that you might not consider harassment at all.

Besides, as a local business, you have an even more powerful reason to be especially careful about legal debt collection issues. You have something much more valuable at stake than a lawsuit: your business's reputation in the community.

Legal Debt Collection Best Practices:

There are plenty of articles on the web that lay out in plain English what the Fair Debt Collections Practices Act says you can and cannot do. Just to give you some idea of the law's requirements, here are some of the biggest:

- No telling any third party about the debt (except collection bureaus, collection agencies, or the debtor's attorney).

- No calling on the telephone 9 pm - 8 am, or calling repeatedly in a way that is annoying.

- No postcards or envelopes that mention the debt.

- No threats to take actions you cannot or will not really take, such as seizing property, in the case of an unsecured debt.

- No misrepresenting yourself (e.g., "Hi! This is the Publisher's Clearinghouse Sweepstakes. May I speak to John?").

- No paying down the debt with payments the customer has directed be applied to other debts

Tips and Tricks for Legal Debt Collections:

With all these limits on what you can do to collect a debt, what can you do legally?

- Speak with the debtor personally on the telephone



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