Bluevine bank, kabbage and the ppp loan scandal in americaRecent reports claiming that financial technology (FinTech) lenders and their bank partners failed to adequately screen PPP loan applications for fraud trouble me greatly as the Select Subcommittee on the Coronavirus Crisis continues to look into potential waste, fraud, and abuse in the Paycheck Protection Program (PPP). Millions of dollars in PPP loans facilitated by FinTech may have been issued to fraudulent, nonexistent, or otherwise ineligible enterprises as a result of this mistake. Bloomberg investigation shows that only 15% of PPP was processed by FinTechs, they relate to 75% of the PPP loans that the Department of Justice (DOJ) connected with fraud. A different inquiry by the unbiased Project on Government Oversight (POGO) found that nearly half of approved loans cited in criminal court documents involved seven FinTech companies and their bank partners. The possible fraud of Paycheck Protection Program loans made possible by online lenders like BlueVine and Kabbage is the subject of an official investigation launched by Congress.
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With the right idea and a little bit of marketing magic, you can be on your way to becoming a successful vending machine operator. Operators of vending machines can manage their own machines or they can go into a partnership with other business owners. Vending machines are a great business for entrepreneurs who want to start their own business. It doesn’t require an office and can be operated from home. Most people who are looking to start a vending machine business are looking to do it in an area that they already live in. That is to say, they want to start a business in the city or town that they live in. A lot of people don't realize this, but you can start a vending machine business in the state of Georgia, or in the state of California, or even in the state of Alaska. If you're thinking about starting a vending machine business, you may be thinking that the process of starting a vending business is different from state-to-state and from city-to-city. The truth is that starting a vending machine business is a lot easier than you may have previously thought. Vending machines are very popular in the USA and can be found in most public places. In fact, there are over 3 million vending machines in the USA. Vending machines business is a great opportunity to make money. It can be started with little investment and be a great source of passive income. Vending machines are installed in various locations such as offices, schools, bars, restaurants, hospitals, sports stadiums, gas stations and even prisons. They provide a wide variety of goods such as snacks, beverages, cigarettes, water, juice, soda, coffee and other items to customers. Vending machines are a great source of profits, but there are some challenges which you need to be aware of before starting your business. Vending machines have been around for a long time, it is considered a low-cost business for entrepreneurs. The vending machine market is a $30 billion dollar industry in the United States alone. You can start a vending machine business anywhere in the United States, but it is a very competitive business. Before you get started, you need to do some research to see if there is enough demand for the product you want to sell. You need to find out if there are already vending machines in the area that sell similar products. You also need to find out how much money other vending businesses in the area are making. How to start a vending machine business The vending machine business is a great way to make a decent amount of money while still maintaining a flexible schedule. By starting the business, you will be able to earn money while you sleep. The vending machine business model is a simple way to start a business. It can be done by anyone. You don’t need to have any special skills or training. With some basic knowledge, you can start a vending machine business. If you are still wondering how to start a vending machine business, you are at the right place. It might seem like a dream to own your own business, but it’s not that hard. It just takes a lot of hard work and patience. But if you really want to start a vending machine business, you need to understand the market. There are different types of vending machines, and they serve different purposes. There are snack vending machines, soda vending machines, and toy vending machines. These vending machines can be placed in schools and offices. You will need to set up the business, find new customers, and maintain your business. Vending machines are great for businesses because they offer a variety of items. Conclusion. The vending business has been around for years. From soda to chips to candy, businesses have been providing a service for their customers with vending machines. Coffee vending machines have been introduced in the industry in an effort to offer a service that is convenient for both the business and the consumer. The vending coffee business can actually be quite lucrative, but there are some important factors to consider before you begin this venture. Coffee vending machines are a familiar fixture in many offices and are a great way to provide your clients with a constant supply of hot, fresh coffee. They also make for a great addition to your office’s reception area as a way to provide your guests with a soothing hot beverage. So if you are looking for SBA you should have to try Guaranteedbusinessfunding.org is one of the best place to get an advance loan. So to start a vending machine business the best place to get an advance loan is Guaranteedbusinessfunding.org. If you're looking to start a business, you might have already started thinking of ideas. But it isn’t as easy as just coming up with a good idea. You also need to find a market for that idea. Not every good idea will be a profitable one. And not all profitable ideas are good ones. Starting a small business is a lot of hard work. It takes more than just a good idea; it takes a lot of savvy and business sense to make a business successful.
In the last few decades, the small business landscape in America has undergone numerous changes. The data shows that the number of small businesses in the country is on the rise. Small business owners sometimes have limited resources to start up their business. Some people may think that it is not possible to start a small business without any capital. However, you can start a small business with a few dollars. Here is the list of the most popular small business ideas in America. The most popular small business in America is... wait for it... a barber shop! By that, I don’t mean a barbershop like the old-fashioned places with the striped pole outside. I’m talking about an actual barber shop, where you can get a haircut. But how do you start one? Barber shops have been around for almost as long as the concept of hair. In fact, the first recorded barbershop was an ancient Egyptian one, established in 3000 B.C. in the town of Kahun. While the ancient Egyptian barbers were more self-taught doctors than stylists (they used leeches and bloodletting to treat ailments), the profession was already well established with a rich history of pampering. Today, barber shops are still going strong, offering haircuts, shaves, beard trims and other services. Some find the most relaxing part of the experience is the human interaction they have with the barber while they’re getting their hair cut. But what if you’re a woman looking for a new career? Women have been cutting hair since the 1890s, so why not consider becoming a barber yourself? How to start business Starting a barber shop business in America can be one of the most profitable business to be in. It is a low-cost business with no complexity. As an entrepreneur starting a business in America, you should consider this business. It is a classic business that has been there since the start of the country. Barber shops are also very popular, and there is a high demand for them. The demand for barber shops is increasing tremendously, and that is why starting a barber shop can be a very good idea. The barber shop is a great way to start a business, but it can be challenging. In order to have success, you have to have a clear plan for your business and be able to market to people. You can also run your business from home, which means you have to have certain conditions in place. You will also need to get your license and purchase the necessary equipment for your business. Finding a niche market is the best way to ensure that you have enough customers to sustain your business, and that is exactly what barber shops in America have done. Barber shops have been around for centuries and have existed all over the globe for as long as men have been shaving. However, in America, the barber shop has become a place for men to go and relax, chat, socialize and make connections. If you are thinking about starting a small business in America, you should do some research. The U.S. Small Business Administration has a lot of information about starting a small business in the United States. Visit the Small Business Administration (SBA) website at www.sba.gov. You will find a lot of useful information to help you get started. You can also get loan for a small business in America through a best place that is Guaranteedbusinessfunding.org If you are thinking of starting a barber shop business in America, there are a lot of things you will need to do to get your business started. Things to consider for barber shop in America as a small business Running a barbershop business in America can be a lucrative business. A small business can grow into a large enterprise, and you can enjoy being your own boss and having the freedom to work whenever you want. Barber shops have been around since the early days of the United States. In fact, barbershops have been around much longer than salons have. In many states, barbershops are licensed as a cosmetology establishment, so you need a barber license to run a barbershop. Your state may have additional requirements, so make sure you are familiar with all of the rules and regulations before opening a barbershop. If you are planning to start a barber shop in America as a small business, then you should know that barbershops are not as common as they were years ago. There are many types of businesses in America and a barbershop is one of them. However, the increasing competition in this industry has made it challenging for barbers to attract clients. Conclusion When you are running a small business, the success of that business depends on it's market. So, you need to make sure you are catering to the market. If you are thinking about opening a barber shop, there are several things you need to consider to make sure you are on the right track to success. Step by Step guide to get paid through PayPal One of the simplest and safest ways to transfer and receive money wirelessly is through PayPal. Use the PayPal website or mobile app to ask for payment from a recipient in order to receive it on PayPal. The money can then be sent to your bank account or used through PayPal. Our guide will lead you through the stages, making it as simple as possible! Using the PayPal App (iOS/Android)
2. Tap Request Money. Tap Let’s get started. Tap Access Contacts. You may have to authorize PayPal by tapping OK to do this. 5. Type in a name, email address, or phone number. You can also tap a contact’s name. 6 . Type in your preferred amount.
If your employer or the individual you’re attempting to get paid from is in different regions or county’s of the world receiving payments can be tricky or seem impossible, that is where Payoneer can help you get that payment swiftly, easily, and affordably thanks to its partnership with the Global Payment Service. You may learn how to accept a payment in Payoneer from this . Your former employer’s payroll department must be allowed to make payments through Payoneer if you’re expecting payment from them. Once your foreign payment has arrived in your Payoneer balance, you may transfer it to your local bank account, use it to make ATM withdrawals, shop online or in stores, pay your local VAT, and even pay your suppliers and contractors.
2. Click the Receive tab. It’s along the top of the page with Home, Activity, and Withdraw and will prompt a menu to drop-down. 3. Click Global Payment Service or any other on the list. You’ll see a list of all the currencies you can get paid in on the left side. 4. Click a currency to select it. To the right are your receiving account details. Make a note of these details for the transfer. 5. Click Create a payment request. A request for payment will be sent directly to your employer or the person making the payment. You can also send the receiving banking account details via email to the party making the payment.
Once the other person submits the payment via the request, you’ll be able to transfer funds to your local bank account, withdraw at ATMs, spend online or in-store (with a Payoneer Prepaid card), or make payments to suppliers and contractors directly from your Payoneer balance. Open Sign at Amazon: If you want your company to be successful, you should always make sure to govern the store's hours of operation or any other aspect of the business, and you should also try to attract clients through a variety of methods, such as by advertising or posting signs. Here are three of Amazon's most inexpensive open signs that, in addition to drawing customers in with their aesthetic appeal, also reassure them that the company's doors are, in fact, still wide open 1. VEVOR Neon Sign VEVOR Neon Sign, Open 20” x 7”, Multiple Flashing and Color Modes Neon Lights Signs with Remote Control and Power Adapter, Portable & Energy Efficient Used for Commercial, Restaurant, Bar, Salon About this item
It has received exceptional reviews. For upscale businesses, this open sign is ideal. Additional settings are available. A few malfunctionings were reported in the reviews, people had issues with the remote or with the sign. Complaints were hopefully resolved by the company. Number of sales: In total 1,617 global ratings are estimated to be sold on amazon with nearly 1032 ratings and 300 reviews. Rating : it’s rating stars are 4.9 out of 5 Price its price is $40.51 2.LED Neon Open Sign for Business: Lighted Sign Open with Flashing Mode The bright rectangular open Sign is red and blue. Use it indoors only. Large 24 by 11 real glass neon signs that are entirely handmade by skilled neon glass benders. Ideally suited for hanging from a window Included are a chain and a power adaptor. Ratings Its rating is 4.7 out of 5. Reviews 99.5% of the time, it works well. It occasionally doesn't light up with the initial pull of the chord, but if you try again, it always turns on. Longest life reported was 2 years according to public reviews. Most of the complaints were about light fading or complete blackout of the neon. Number of Sales: Sale reports expected to be more than 1500 according to Amazon's website review. 400 global ratings reported, 500 with reviews. Price: It's price is $25.99 3. LED NEON Sign Vertical OpenThe LED open indicator looks good. The Pulse Vinyl Neon Open Sign is incredibly colorful and striking. Many onlookers paused to view the open sign. Save money on your electricity and heating costs! Since it uses less energy than neon items of a same type, it is superior. 10 x 19 inches are the measurements. Because of its sturdiness and dependability, retailers and business owners all over the nation rely on it. It works with a typical 110V US wall adaptor. This neon light sign is incredibly simple to install. You only need to attach the chain, plug in the power adapter, and turn the sign on to get going.
About this item
1864 total ratings were reported. Its rating stars are 4.5 out of 5. Reviews This is just perfect. The signs are nicely illuminated and offer the option of running, steady, or flashing lights to draw in potential clients. No remote control available. They are not weather resistant and can get dim under smoke glass. According to some disappointed person it's a waste of money but many are still buying it. Number of sales: 2500 units sold through Amazon. Sales are high due to low pricing maybe. Price Its price is $26.99 In the US, between 40% and 50% of marriages will eventually terminate in divorce. Unfortunately, after you've taken the decision to terminate your marriage, having to divide the assets you formerly owned together can make this stressful time harder. An attorney can assist you in navigating the somewhat complex legal system and ensuring that the divorce is handled properly and in a way that best serves your family's requirements.
1. Organize a Yard or Garage Sale. A garage sale, also known as a yard sale, is an excellent method to quickly and easily turn a large number of personal things and home items into cash. It is an effective strategy to use whether you are reducing the size of your living space or if you and your former partner just accumulated a lot of belongings over the course of your relationship and now you have more than you require. Advantages of Garage Sale: The process is simple and does not require a lot of money, plus there is very little danger involved with holding a garage sale. If you don't want people in your yard, you may even participate in a neighborhood or neighborhood association sale. Disadvantages of Garage Sale: The disadvantages include the need to organize your day in advance and get up at an ungodly hour, as well as the fact that prices at garage sales are often the lowest that can be found for most products. 2. Post an Ad about your Business on Facebook or Craigslist. You may advertise practically anything for sale on Craigslist, including furniture, electronics, appliances, and apparel, among other things. Additionally, comparable opportunities might be found via local Facebook groups. Because it takes time to manage the ad process in an effective manner, you might want to think about grouping smaller goods into single postings. For instance, you might provide a number of different apparel options for size 4 customers within a single advertising. Advantages of Ad: The benefits of using Craigslist or Facebook to sell your wares include the ability to reach a broader audience at no cost and the absence of commission fees. When you sell anything on eBay, rather than having a garage sale, you may often receive a greater price for it. Disadvantage of Ad: Negative aspects include the fact that it might take some time to sell certain items and that there might be problems with the delivery of your item. You may reduce the likelihood of these negative outcomes by not disclosing your home address, holding buyer meetings in public places, and consulting an adult friend while engaging in exchanges. 3. Put it up for auction on eBay. If you have products that might pique the attention of collectors or enthusiasts, you might want to consider holding an auction on eBay to help drive up the sales price. It is to your advantage to have a well-established eBay account with positive feedback, and the site functions at its optimum level when you are in a position to ship the item directly to the customer. Advantages of eBay: The number of possible customers at an online auction can reach a national or even international audience, which increases the amount of money that could be made. Disadvantages of eBay: You will be required to pay fees for both the auction and the payment through PayPal, and there is always the possibility that the item may sell for a price that is far lower than what you had anticipated. 4. Make a Stop at a Pawn Shop If you want to get the most money for an object, you should consider selling it or pawning it. Pawn stores typically buy heirlooms, jewelry, artwork, technological devices, tools, and musical instruments among other goods. Pawn shops also buy some collectibles. Advantages of Pawn Shop The ability to obtain fast cash by pawning an item and then returning to the pawn shop to pay off the loan and retrieve the item are both advantages of the pawn system. Disadvantages of Pawn Shop You will never receive the item's full retail value if you sell it to a pawn shop since the store needs to earn money as well. 5. To stay in your home buy out your spouse with no Credit needed. If one of the members wants to live in the house but doesn't have good enough credit to get a loan, they can get money even with bad credit. Here's how: You can get money from Guaranteed Business Funding for your home. The sale leaseback has a 10-year option to buy at 25% less than market prices. Get cash right away. Stay in your house. Get a 10-year option to buy the property for 25% less than what it's worth on the market. People with bad credit can pay 1% per month to borrow money for real estate. In exchange for selling us your property, we'll give you fast cash (we can close and pay you in as little as 7 days) and rent it back to you at 1% per month so you don't have to move. You will also have the option to buy it back in 10 years, but the price will be 25% less than what it was worth when you sold it. 1. Regardless of credit, get funding for real estate quickly (no minimum credit score required) 2. Receive financing with no up-front costs. 3. Pay a small monthly fee of as little as 1% of the funding received. 4. Get a maximum of 10 years to pay. 5. Real estate funding amounts ranging from $50,000 to $5 million are available. Hold-backs If you get a Merchant Cash Advance, you should anticipate having between 10 to 25 percent of your daily credit card earnings withheld each day. Repayments: each and every one of these loans is repaid on a daily basis. That is, either by keeping a portion of the proceeds from credit card sales or by having a daily automatic transfer made from your bank account. The typical amount of financing included in a contract is $20,000, and the payment schedule extends over a period of five months. Your offer might be for a higher or lower amount of money and can have much longer or shorter terms for making payments. At this stage, you have come to the realization that you are in need of additional capital in order to make payroll, acquire merchandise, or just maintain enough cash flow. You could have previously applied at your neighborhood bank, only to be denied, or you might be looking into alternative ways to obtain more money for your small business at this very moment. The good news is that you have arrived at the correct location. This is how it works -- Guaranteed Business Funding is a one-stop-shop that provides a variety of alternative loan choices in a centralized location for your convenience. We take care of all of the laborious tasks so that you can focus on running your company, which is what you are most skilled at doing. The many kinds of loans that we make available are broken down into the categories below. Cash Advance for Businesses If your firm processes VISA/MasterCard sales, you qualify. Instead of looking at your credit history, this sort of finance takes into account your expected future sales. A funder would typically lend you between 30 and 200 percent of your monthly gross sales, with a maximum of 500,000 dollars. A specified payback amount is deducted from daily sales. This amount is often between 10 and 25% of the entire amount of daily credit card transactions. A fixed proportion of daily credit card purchases is deducted as payment on a daily basis (usually Monday through Friday, except holidays). Because there is no predetermined length of time for the return of the financing through this approach, it is not regarded to be a loan but rather an advance on future credit card sales. Because the manner of repayment provides the funder with increased safety, this is an excellent choice for younger firms that are less than four months established. Unsecured Revenue Business Funding This kind of loan may be right for you if you run a cash business or if you don't accept credit cards as a form of payment for your goods or services. This loan program takes into consideration factors such as the borrower's personal credit history, length of time in business, and gross revenue demonstrated by bank deposits. There is no need for concern if your credit is less than flawless because our alternative funders assist business owners who are in this position on a regular basis. The repayment is spread out over a period of two months to one year and is handled through an ACH method. Our lenders are able to be more aggressive with their approvals as a result of our accounting system being based on gross deposits. This does not qualify as a loan under any circumstances. This is an increase to the predicted earnings for the future. People need to sell assets quickly in a divorce Also mention the sale leaseback transactions from guaranteedbusinessfunding.org because with those they can sell there home and stay in there home and maintain equity in the home “what are the 3 cheapest per call voice mail drop service for a budget of $350 a month or less9/19/2022 Keeping it simple, a voice mail drop is a system of delivering a prerecorded voice command or message to the person in reach. Voice mails provide convenience to deliver your message without unnecessary ringing of phone. This technology is often used by companies to boost inside sales and to communicate better with the customers. In USA use of this technology is common among the masses. In this article we have shortlisted some of the most affordable voicemail service providers. We’ll discuss their pricing, plans and services. CDYNE: CDYNE tops our list and has got some services worth mentioning. It is a software based service provider, serves it’s customers with SMS APIs, voice broadcasting, SMS broadcasting, an SMS reseller program, phone number verification and address verification API's that are easy to integrate and scale for your business. CYDNE claims to be the world’s most cost effective voicemail service that boosts your business and sales conversion. Basic Features: Compatible with mobile devices Non-Intrusive Form of Voicemail Marketing Easily Track & Schedule Your Calls Powerful features:
Drop Cowboy: Another software based ring less voicemail service with some amazing features quite similar to the previous one but with some different image and pricing. As it’s name reflects dropping a voicemail is marketed with some fine expertise. Basic Features:
Advanced features: Here are some advanced features they offer
Never miss a client, send automated and scheduled voicemails to your customers with some unique content and dedicated key points.
II.2.9 cents per message, 50 dollar monthly subscription III.1.9 cents per message, 250 dollar monthly subscription
Drop is a leader in RVM tech Used by top 1% of sales personals who work and sell across multiple companies across the globe. Either small or large businesses. According to some case studies mentioned online they have some of the best response rates among others. 96 % voicemail listen rate 87% advertisement open rate 54% agent listen rate 39% voice broadcasting listen rate 23% email ad open rate Pricing:
1000 drops
10000 drops
First two plans can be considered under 350$ monthly. Open signs at Walmart: If you want your company to be successful, you should always make sure to govern the store's hours of operation or any other aspect of the business, and you should also try to attract clients through a variety of methods, such as by advertising or posting signs. Here are three of Walmart most inexpensive open signs that, in addition to drawing customers in with their aesthetic appeal, also reassure them that the company's doors are, in fact, still wide open. 1.Open closed sign : This sign performs well in terms of beauty. Two lighting options with eye-catching red and white LEDs are available. Customers' attention will be quickly drawn to it by the blue LEDs encircling it. It has reversible twin sides with rope hangings. red background Open and Closed Signs 6.25 by 11.5 inches, 1/4 inch PVC décor. Price Its price is $12.99. Reviews Ideal is this Walmart open sign. This sign has between 400 and 500 reviews. It is really bright and easy to assemble. Everyone in the community will watch it. At this price, it's a great offer. Price Its rating stars are 4.9 out of 5 2. iMounTEK Open sign 110 VAC is the operational voltage. 100,000 hours or more of operation Its power cord has UL certification. It boasts incredibly high energy efficiency with a power consumption of just 8 watts. It is portable and easy to set up. Both touching and using it are secure. It can only be used inside. In addition, there is a metal hanging chain. Size: 19L x 10W x 1H Excellent LED neon signs can be found here. 19X10. In addition to a hanging cord, it contains two switches for powering on and off the animation and electricity. Price Its price is $29. Reviews This open sign has 400-500. This light is just as it seems in the picture and works perfectly. It unquestionably helps my company. It was delivered swiftly and looked great. Ratings Its rating stars are 4.7 out of 5 3.FANL LED neon sign (Vinger Brand) The Open Neon Sign is brighter and more appealing than conventional glass neon lights because it is composed of high-quality clear acrylic plastic and colourful silicone LED tubes. Utilize a flexible neon LED lamp with a USB 4.5V low voltage that is completely safe for everyone to touch. The open sign led can be used to embellish interior areas either on its own or in conjunction with other premium neon lights. A neon light sign would be a very attractive addition to any business and would be quite beneficial. With the use of this light board, anyone may bring in both one-time and ongoing customers. Neon lamps include a hole in the back that allows you to hang them from a wall or set them on a table. The LED tube can also be reached through the hole. Price Its price is $25.99. Reviews It is decently made and reasonably priced. The assessments of this neon sign range from 500 to 600. This neon open sign is well-made and long-lasting. Excellent and dazzling lighting are present. It is relatively inexpensive, and anyone can clearly see it from a distance. It is the most vibrant and reasonably priced. Ratings Its rating stars are 5 out of 5. A ringless voicemail, also known as a voicemail drop, is a method wherein a pre-recorded audio message is dropped into a voicemail inbox without the connected telephone initially ringing. This approach is also known as ringless voicemail. This method is often associated with debt collection agencies and spam, which is commercial email that was not asked for. Legal Status in America: The petition to keep the technique from being regulated by Robocall rules was sent to the Federal Communications Commission (FCC) at first, but it was pulled after it caused a big fuss. The courts in the United States have repeatedly and consistently ruled that voicemail is subject to the Telephone Consumer Protection Act in the same manner as a regular telephone call. This has the effect of rendering illegal voicemail drops that contain unsolicited advertisements or calls from debt collectors in all situations in which the recipient phone number is associated with a rate-limited account. Even if the call was not answered or the voice message was not listened to, sending such messages is still a violation that can result in penalties and civil liabilities. Furthermore, the person who was phoned does not have to provide evidence that they were charged for any calls in order to win the case. When a person's phone number is included on the FTC's "do not call" list, it is also against the law for that person to receive such messages. conclusion In a nutshell, it is illegal to call or leave voicemails on phone numbers registered with the federal do not call list, and if no other decisions have been made, it is safe to call those who are not on the do not call list for the time being. Legal Status in Canada: The Canadian Radio-television and Telecommunications Commission (CRTC) lets people check their voice mail without stopping what they are doing. Federal Communication Commission on Ringless Voicemail The Federal Communications Commission (FCC) has not yet rendered a decision regarding the legality of Ringless Voicemail or whether or not this technology constitutes a "call" as defined by the Telephone Consumer Protection Act (TCPA). Also, it hasn't put any restrictions on ringless voicemails (RVM). There have been a number of petitions filed with the FCC by various organizations, the most notable of which was all about the Message, LLC in 2017 and VoApps in 2014, who were both seeking a declaratory ruling from the FCC that the RVM technology was not subject to the TCPA regulations. These petitions have been unsuccessful. But because of how people felt and what they said, both groups decided to pull their applications before a decision was made. At the time that this story was being published, no notice of appeal had been submitted, and the FCC had, up until this point, refrained from expressing any view about the case. Is Ringless Voicemail Legal or Not? Understanding the technology that enables this procedure to be carried out is necessary for any attempt to provide a solution to this issue. When you call a number and there is no answer after a certain amount of time, the phone will beep and ask you to leave a voicemail, after giving you the option to do so after the beep. This is the standard method for leaving a voicemail. Now, here's the catch. Using technology, ringless voicemail is able to leave a voicemail on a prospect's phone by entering through the back door. It does this by utilizing a technique known as Adaptive Signaling technology, which permits the message to be routed straight to the enhanced service platform of the voicemail service provider. This is a voicemail server space that is allotted to the user's phone number. It is important to keep in mind that voicemail messages are not kept on the user's actual phone but rather on the server space of the user's phone that is handled by the user's phone carrier. This is what enables the technology to be able to transmit a voicemail to a phone without causing the user's phone to ring when the message is delivered. The user of the phone will get a notice telling them that they have a new voicemail message after the voicemail has been successfully sent to the server space that is associated with the particular phone number that was used. Ringless voicemails are not legal. Unless, of course, you have provided them with legal consent authorizing them to make telemarketing calls to your phone, in which case the telemarketing company must then provide you with an easy mechanism to allow you to opt-out at any given time. If you have provided them with legal consent authorizing them to make telemarketing calls to your phone, then the telemarketing company is required to do so. Telephone Consumer Protection Act (TCPA) On Ringless Voicemail The Telephone Consumer Protection Act prohibits any person within the United States of America from "making any call... using any automatic telephone dialing system or an artificial or pre-recorded voice... to any telephone number assigned to a paging service, cellular telephone service, or any other service for which the called party is charged for the call." This includes calling any telephone number assigned to a service that charges the called party for the call. Ringless voicemails aren't considered phone calls according to the law; 47 U.S.C. & 227 (b), (1), (A). This is something that telemarketers and collection agencies have long maintained (iii). In the case of Saunders v. Dyck O'Neal, United States District Judge Gordon J. Quist of the United States District Court for the Western District of Michigan ruled in favor of the consumer on July 16, 2018, declaring that a Ringless Voicemail message (RVM) is considered to be a "call" that is governed by the Telephone Consumer Protection Act (TCPA). He did some research on the usual meaning of the verb "to call," and he discovered that the term "call" implies communicating with or attempting to contact a person over the telephone. He also pointed out that the plaintiff had received the notifications and listened to the voicemails on her phone, and that, as a result, the outcome was the same regardless of whether or not her phone had rung before the voicemail was left. He said this was evidence that the plaintiff was not at fault. If it is against the law to phone the customer, then you cannot. Federal Rules for Telemarketers In response to consumer concerns over an increase in the number of commercial calls and automated, pre-recorded communications, the Telephone Consumer Protection Act (TCPA) was enacted in 1991. Invoking the power granted to it by the Telephone Consumer Protection Act (TCPA), the Federal Communications Commission (FCC) issued rules that require telemarketers, who are defined as anybody who solicits you by telephone, to submit the information listed below:
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Cox Business News staff WriterJournalists from around the world writing to give you answers, with Assitant Editor Dr Muhammad Hassan Fayyaz for articles in June and July 2021 The Editor In Chief of Cox Business News
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