What If a Debt Collector Validates Your Debt ❂ Verifies ❂ Validation

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  • Опубліковано 23 гру 2024

КОМЕНТАРІ • 532

  • @2002erli
    @2002erli 2 роки тому +22

    THIS IS A K I C K - A S S V I D E O ! ! ! Thank You!!!

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  2 роки тому +1

      Thanks for your feedback. It made my night!

    • @pacland32
      @pacland32 Рік тому

      ​@@HitmanCreditSolutions Hi I filed a complaint to the CPFB about the excessive calls and lack of proof from the confirmation that Westlake portfolio suppose to give me. Well CPFB closed the dispute even though I have clear proof. What should I do at this point.

    • @goodluckdaa9190
      @goodluckdaa9190 Рік тому

      @@HitmanCreditSolutions Please what your email address because your website is not popping up.

  • @Mylife-g2z1g
    @Mylife-g2z1g Рік тому +51

    It’s insane that the original creditor can write the debt off, receive a tax deduction and then sell that debt to a third party collector for the amount that was written off as bad debt!?!?

    • @sandyjones1014
      @sandyjones1014 Рік тому +8

      Should be illegal, (I'm sure it is) but the courts/lawyers are all in on it. $$$$$$$

    • @freed6164
      @freed6164 9 місяців тому +2

      yup and the credit bureau is very well aware of it and still unjustly pin our credit reports with these fictions debts, I heard they in on it but don't know what they get out of it....

    • @brirocks
      @brirocks 9 місяців тому

      Actually,the original creditor gets pennies on the dollar from collectors . The reason is the IRS considers the bad debt as an asset. Therefore, the original creditor wants to get the bad debt off their books ASAP.

    • @clydeb7713
      @clydeb7713 2 місяці тому

      And you have to include the written off debt as income on your 1040 and be responsible for ant taxes due!

  • @artsjennifer
    @artsjennifer Місяць тому +1

    Thank you!!!! THIS was the answer I needed! I thought they had me when they sent "verification", but really all they sent me was a generic copy of the borrower agreement - no names, dates IDs.... it was all blank. You are a hero!!!

  • @robinsonfamily222
    @robinsonfamily222 3 місяці тому +4

    This is the best video I've found to answer how to respond when the debt is "validated". Thank you

    • @wadeawilliams
      @wadeawilliams 3 місяці тому +1

      Thank you. It is 4 years old. Unfortunately, It is still true.

  • @theoteslaa
    @theoteslaa Рік тому +5

    Pretty sure this video got my case dismissed, thank you much!

  • @SamplingPercussion
    @SamplingPercussion Рік тому +6

    Hit the collection agency with a CFPB complaint after the first round, if they do not comply with your request. Request to see the un-redacted contract and hit them with an FTC and CFPB again if they refuse to provide and they’ll stop.

  • @coffee3490
    @coffee3490 8 місяців тому +3

    Yo this video was so genuine and helpful to be outside of the box like that what do wonders for confidence and peace of mind

  • @skip123davis
    @skip123davis Рік тому +7

    this is really helpful! i am being sued, and sent an affidavit, filed it with the courthouse, sent it to the law firm via certified. i have not heard back yet, and was wondering what happens next. now i know!

    • @Centreofsource
      @Centreofsource Рік тому +1

      How did it go!?

    • @LunaBobbi
      @LunaBobbi Рік тому

      How did it go?

    • @customconnections2425
      @customconnections2425 11 місяців тому

      🦗🦗🦗

    • @freed6164
      @freed6164 9 місяців тому +3

      I told one of the collectors has I thanked them to pay my medical debt that I was really surprised and blessed by their generous gift but made it clear that I have never agreed verbally or on paper to pay my debt much less to pay them back...they never bothered me after that!

  • @bennyfromda-bronx6343
    @bennyfromda-bronx6343 Рік тому +3

    Thank you for this excellent video. I am in the same boat. I told the collection agency the debt is not mine and to prove it. They got a zerox copy of a statement supposedly from the hospital. But no where on it was the collection companies name. I am going to try these instructions layed out on this video. Thank you again.

  • @MrMr554
    @MrMr554 2 роки тому +2

    I requested a validation letter and a HIPPA release form from a Debt Collector.
    In their return letter, they did not provide a breakdown of fees including all collection costs and charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services.
    So, I filed complaint with Consumer Financial Protection Bureau. Their response to CFPB’s Consumer Complaint was that there is a lien.- CCP 360.5 to extend the statute of limitation of the bill for 4 more years. They refuse to provide ANY documentation with my signature acknowledging the lien. Have you ever heard of this? What do I do? Joe

  • @tomashill8520
    @tomashill8520 Рік тому +7

    Thank you for the information . I am currently challenging a collection agency for a debt written off as bad debt. (storage facility ). As you have said, their validation letter was the original contract and a receipt of charges that states the debt was written off. Contents were sold at auction. Do I mention that the original debt was written off in my response to their validation letter?

  • @333chamaeleon6
    @333chamaeleon6 Рік тому +4

    Bad ass brother. Thank you.

  • @nowandthenlanpat2925
    @nowandthenlanpat2925 2 роки тому +12

    I recived a summons from the Original creditor filed by thier Attorney. The problematic part was the documents had a water mark on them say " Copy " and then in the signature box on the page it was stamped by a computer saying that I signed but no signature was on it. Also it had 2 initial sections but they only had the letters N/A and below that the words " Initials must be present on hard copies " but like I said they weren't there. My Social Security number only had the last four numbers and the same exact thing with the account number. So I asked myself what is wrong with this???

    • @naia-gl2nf
      @naia-gl2nf Рік тому +1

      how do you know it was their attorney? I'm trying to figure out if thats what my situation is. they are debt collector and attorney but the lawsuit says that its capitol one thats suing me. confusing.

    • @SamplingPercussion
      @SamplingPercussion 9 місяців тому +3

      @@naia-gl2nf You needed to ask for the Chain of Custody of the debt and the Bill of Sale, and a copy of the unredacted contract, and the Certificate of Compliance of the debt. You have a lot of ammo to burn through with all that.

  • @kellyherbeck3618
    @kellyherbeck3618 3 роки тому +41

    I always thank them for paying off my debt. They can no longer report it as a valid debt

    • @dragon202006
      @dragon202006 2 роки тому

      What do you mean?

    • @dr.jones.3832
      @dr.jones.3832 2 роки тому

      How is that working so far?

    • @PhantomXVoice
      @PhantomXVoice Рік тому +1

      I'm confused lol. Can you explain that?

    • @freed6164
      @freed6164 9 місяців тому

      Yes I did this on the phone and the collector did not know what to say it was fun!

    • @grimthreeper4112
      @grimthreeper4112 6 місяців тому

      They not only can but WILL

  • @calliopivogiatzis2235
    @calliopivogiatzis2235 2 роки тому +2

    I would write a response on that letter that says; 1. I have a hardship and 2. Please forward the bill to a charity or foundation to pay this debt

  • @MrFrugalFrank
    @MrFrugalFrank 7 місяців тому +2

    Many years ago, I had to many past due debts..Eventually got them to go away using them having to validate the debt.Most really don't have access to that info. Restored my credit and have a couple small debts that will be paid off in a few months..

  • @goober698
    @goober698 Рік тому +3

    That has been written off and I don’t owe the collection agency crap

  • @ChelyLasVegas
    @ChelyLasVegas 5 місяців тому +1

    What kinda letter to send the Debt Collector when it passed the Legal statute of limitations? Thanks

  • @123dogone
    @123dogone 5 місяців тому +1

    i have a couple credit card companies trying to sue me in court, what are the basic questons i need to ask

  • @Goalrushmedia
    @Goalrushmedia Рік тому +1

    Hello, i had some ambulance debt collection, they sent me back a statement with the original company letterhead...what should i do?

    • @wadeawilliams
      @wadeawilliams Рік тому

      I can make a letterhead. I would send the collector a dispute letter.

  • @sonianerat5849
    @sonianerat5849 Рік тому +1

    What if on one of the papers they sent back says that the debt was sold to the debt collector?

  • @freed6164
    @freed6164 9 місяців тому +1

    Wow genius!!!! Thank you so much!!!

  • @irmamoralesrealty101
    @irmamoralesrealty101 Рік тому +2

    This is awesome, thanks for the video!

  • @HalfManxHalfAmazing
    @HalfManxHalfAmazing 3 роки тому +5

    Just got a call Wednesday from a collector on a medical bill from 2018. I’m I still following these steps. I’ve never agreed for them to share my information with a collections agency.

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +6

      Send them a dispute letter and be aggressive. They hate people that are aggressive. They win when they are the alpha.

  • @Iamdathinkerevolve
    @Iamdathinkerevolve 2 роки тому +4

    Hey Mr. Hitman I sent out a validation dispute letter and I received validation on the debt I have documents would like you to take a look at it to find out what are the next steps I need to take on my credit report it’s been charged off and paid in full, but the collections agency is still trying to collect. Really need some guidance on how to handle it

  • @tendajiakili7136
    @tendajiakili7136 2 роки тому +6

    I was in Utah and I took out a loan with Lift Credit, payments got misunderstood and I thought it was paid off but I still owed $250, this was in 2014. They waited several years for the interest to rack up and then sold the debt to NAR in provo Utah. This debt is over 7 years old at this point and should not be on my credit but NAR is reporting a late payment starting in 2021 when they bought the debt, not when I defaulted on the original. I have disputed through experian and they just accept the bill from NAR as fact. I have tried to get a statement from Lift Credit but they refuse to work with me. What the heck can I do?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  2 роки тому +11

      You have probably figured this out, but this is a crooked system that doesn't give a F about you, the laws or common sense. That said...
      If I were you, I would consider two paths.
      I would consider filing a complaint with the Consumer Financial Protection Bureau. I have mixed perceptions of them. They used to actually do their job. I think bureaucracy and politics caught up with them and now they are not as effective.
      I would also consider filing an FCRA lawsuit against NAR. They are clearly violating this law. This will cost you ~$500 but you will get that back in settlement. This is a tall task if you haven't prepared yourself. It is absolutely do-able.
      Or do both!

    • @maggiemmoore
      @maggiemmoore Рік тому

      @@HitmanCreditSolutions CFPB are worthless and even dangerous to your financial worth. They wrote a nasty letter to my bank who had actually helped me through my Identity Theft.

    • @soundmixer6324
      @soundmixer6324 Рік тому +2

      @@HitmanCreditSolutions Are U still Around?

  • @jr4062
    @jr4062 8 місяців тому +1

    QUESTION: if the debt collector sends you a collection letter with added verbiage on the back of the letter that states you are beyond the statute of limitations but when you contact them, the time is reset, what does all that mean?

  • @admin6228
    @admin6228 Рік тому +1

    But if the debt collector is hired on behalf of the creditor and they submit the debt agreement. What happens then? What can you do?

  • @StaceyWomble
    @StaceyWomble 3 місяці тому

    I disputed a medical bill on my credit report with a third-party debt collector. They responded with a letter stating they purchased the account from the original physician. They included a page with my name, date of service, CPT and diagnosis code, an old address, and a phone number I never had. Should I respond or write a letter to the Credit bureau for deletions?

  • @farmer8102
    @farmer8102 Рік тому +2

    a LAWFUL contract must have both parties signatures in wet ink. Even if they have a contract with just your signature it's not a LAWFUL contract.

  • @pam2sweet318
    @pam2sweet318 2 роки тому +1

    NONE OF YOUR SITES ARE AVAILABLE I TRYED YOUR FACE BOOK COULDN'T FIND IT BECAUSE IT'S UNAVAILABLE, WOULD LIKE TO LEARN MORE ABOUT THIS DEBT COLLECTION

  • @destincasimiro6984
    @destincasimiro6984 Рік тому +1

    Thank you for the video it was insightful...

  • @mocohen5492
    @mocohen5492 2 роки тому +1

    what if they send me my lease agreement between me and the owner of the apartment and now a third party collection agency is collecting on a debt

    • @wadeawilliams
      @wadeawilliams 2 роки тому

      The lease agreement was between you and the landlord. The debt collector just inserted themselves into the situation. What contract do you have with the debt collector? None. How do you owe a non-party to an agreement money? Only if you agree.

  • @marksonsamo6019
    @marksonsamo6019 2 роки тому +3

    I owe my university about 8,000. A collection agency called me and told me I owed the debt, I remember I said I know I did, but to the school, not specifically with the collection agency. My credit history is that I have no credit, never opened a credit card. They haven’t contacted me and it’s been a month since they called.

  • @Dying_Breed.300
    @Dying_Breed.300 2 роки тому +1

    What about medical bill that went into collections is there a ez to get it removed

  • @deboral6989
    @deboral6989 10 місяців тому

    Thank you. Hospital bill in collections. If correct, the hospital had a clause put in to allow release of private hippa info to be released to a third party collector. They sent me an FULLY ITEMIZED STATEMENT. BUT NEVER RESPONDED TO MY REQUEST YO VERIFY I HAVE A DEBT WITH THEM.
    The itemized statement shows close to $2k in double charges on the bill. How do I fix this please....

    • @Droppingemz
      @Droppingemz 6 місяців тому

      hey how did this go for you i have hospital bill collection as well

  • @ga3829
    @ga3829 2 роки тому +2

    At this point the debt collector sent a statement with no actual proof on how this debt is mine. All it shows is a balance and late fees charged. What do i do in this case. Do i contact them and dispute or go straight to the credit bureau and try and dispute with them?

  • @ravioso13
    @ravioso13 6 місяців тому +1

    I live in Colorado and I signed a bad contract with a roofing company I tried to get out of the contract after the 3 day period and they told me that if I don't pay the cancellation fee they will send me to collections and I don't know what to do now

    • @wadeawilliams
      @wadeawilliams 6 місяців тому +1

      If he send you to a collector, follow the protocol, just like any other debt collector. No one's special that tries to collect from you.
      If this were me, I would send them a Notice of Intent to Sue to the roofing company. These collection laws don't apply to them, but they rarely know that. It might be enough to get them to go away.
      I am always super aggressive.

    • @wadeawilliams
      @wadeawilliams 6 місяців тому

      I'm in Colorado, too. It doesn't matter where you are with federal law. Anywhere in the US is the same.

  • @dianajimenez4358
    @dianajimenez4358 3 роки тому +15

    Thank you for the video! Is there a template you could share with us to make it look professional? Thank you in advance!

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +6

      You can email me and I will send you out anything I have. I am that way! my first name @ hitmancredit.com

    • @eddienavarro8115
      @eddienavarro8115 3 роки тому +2

      Would it be ok to email you for a template as well for this? I have an issue with a collection agency that sent a bill from T-Mobile when I asked for verification that doesn’t have my signature on it…just a bill.

    • @cbarnes9808
      @cbarnes9808 3 роки тому

      @@eddienavarro8115 hey I got you. I'm going to send you a website to get freebie letter for collections and credit bureau. I'll be right back I took a screen shot so let me write it down for you

    • @cbarnes9808
      @cbarnes9808 3 роки тому +3

      @@eddienavarro8115 also I got this from a video that explains everything except for its regarding medical bill but maybe on her UA-cam channel she has something about cell service 🤷‍♀️
      • LifeWithMC that's the ladies channel

    • @el.tacolgando
      @el.tacolgando 3 роки тому +1

      @@HitmanCreditSolutions is it ok if I email you? I send 1st letter and got bunch of pieces of papers back. Need help here. Thank you

  • @jeffreyloradiaz2466
    @jeffreyloradiaz2466 Рік тому +1

    Thanks, this video really helped me a lot !!

  • @neurospizz75
    @neurospizz75 3 роки тому +3

    Wht do you do if you are judgement proof? I only get social security

  • @HollyMusic72
    @HollyMusic72 3 місяці тому

    I got a letter from a debt collector that put the hospital name at the top, i thought it was from the hospital that i was paying so i paid 105 online a week ago and then received court paperwork today from the collection agency claiming i owe them. I called the hospital and asked about my debt and they pulled it up telling me i couldn't pay them because someone else owns my debt now. I told them i have no problem paying them 200 a month because i thought my insurance had covered it, but found out it was denied for the bill from 2023. Its now August 2024. So now i have to respond within 20 days or im gonna have my wages garnished and im a bit confused on how to respond to this letter from the court. The amounts are not correct because i paid 105 of it, and im worried that because i paid on it not knowing it wasnt the hospital, that its admission of my debt to them. Any help would be appreciative.

  • @douglasjensen8986
    @douglasjensen8986 2 місяці тому

    I looked at the credit application I signed, and it says I agree that the debt can be assigned to a third party for collection on behalf of the creditor.

  • @InformationalThoughts
    @InformationalThoughts 2 роки тому +3

    My question is why does it matter how it connects to the debt collector ? From my understanding they bought the debt ,didn’t they ? Even though the paper work doesn’t say they did or have their companies name , the debt is bought isn’t it ?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  2 роки тому +8

      In every sale, there is a buyer and seller. When a creditor sells the debt to a third party debt collector, this is true, right? Lets call this the "transaction".
      In the above super simple example, where are you in this transaction? You are not. You are not a party to this transaction. Why are you bound to a transaction you are not a party to?
      Most people say they are a party to the transaction and agree to make payments or something. They screw themselves.
      Stop being a party to something you are not involved in.
      Also of note: if you ask for proof of this transaction in court, the debt collector will not show you or the judge. They dont want anybody to know how little they have invested in their claim to your money.

  • @eileenlastra6087
    @eileenlastra6087 2 роки тому +2

    I went to court and after i claimed that the account, the debt was not mine. After sending them a debt validation letter the collectors sent me statements with my mame and address on them. I followed up by asking them to verify this account by sending me the list of debtors where my name appeared and the line where my name appeared. They never did. When i returned to court i told the judge they stll hadn't validated the debt. The debtor discontinued the debt and an order with prejudice was issued. But when i looked on kredit karma they had reported the debt as still owing and it reduced my credit by 23 points. What can i do to remove this.

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  2 роки тому +4

      What court were you in? If you were in a county or state court, you are in trouble. I have never seen a local court care whether there was a debt or not. The court wont validate anything except your payment options.. In fact, they only care about you paying. They are not fair and certainly don't care about you. They will say you have rights, but will not enforce your rights. If you walked into their courtroom, you screwed yourself. In my estimation, a 99% chance you will lose.
      You need to be in federal court. That is the only place in America that you will get justice. Once you appear in a local court, you will not be able to file in federal court. Once you have a judgement against you in local court, you cannot go to federal court usually. (look up res judicata)
      If you are already in the local "Kangaroo" court, you need to consider this your cost of education. You will learn that there is little justice in America.
      Cut your losses.
      Next time, file a federal lawsuit before your local court date. Federal is a higher court. The motion the local court for an Extension of Time until the federal court case is settled.
      Most of the time, if you file a federal case against a debt collector, they will settle. They will send you a check and zero out the debt. I have done this about 50 times. I had a lot of checks coming in.
      Don't let this happen to you again.

  • @homeschoolingmommaDanitza2014
    @homeschoolingmommaDanitza2014 2 роки тому +2

    This is FIRE!

  • @davidclark3603
    @davidclark3603 3 роки тому +2

    You're absolutely right!

  • @teresitacerrillo2230
    @teresitacerrillo2230 10 місяців тому

    Yes hi I have a student loan for 15 years how do get off my credit report its awful this is still in my credit report

  • @nailarae3633
    @nailarae3633 3 роки тому +2

    I took your advice- So i sent them another letter saying provide a contractual agreement with my signature saying ill pay them this alleged debt, i sent it 3/8 they received it 3/11 its been 31 business days and 43 calendar days with no response. So on 4/13 received 4/17 i sent another letter saying they failed to verify in allowed time and the debts should be deleted. No reply yet

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому

      Nice!

    • @nailarae3633
      @nailarae3633 3 роки тому +1

      @@HitmanCreditSolutions Whats my next step

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +4

      @@nailarae3633 Depends if the debt is on any of your credit reports. Check your reports now. If they are there, I would send them a notice of intent to sue. If they didn't report any longer, wait to see if the debt reappears.

  • @Mohamedabdirahman-s8w
    @Mohamedabdirahman-s8w 2 місяці тому

    What if the collection agency didn’t buy the debt and they are law firm llc

  • @dr.jones.3832
    @dr.jones.3832 2 роки тому +2

    What if you truly own the account and the creditor provides that info to the collections but you are also truly insolvent, what can one do?

    • @wadeawilliams
      @wadeawilliams 2 роки тому +3

      You don't own the account. You have no agreement with the collector. You have never signed any documents with the collector. You may have an account with the original creditor. You probably did sign something with them.
      If you are truly insolvent, you have nothing for anybody to take. If you are insolvent, what assets/income do you have them to take?

    • @dr.jones.3832
      @dr.jones.3832 2 роки тому +1

      Thank you, one other question. Should i respond to their letter and try to contest it by asking them to verify that they really are a law firm, and if they can mail me the original documents with my signature and agreements that i had with the original lender and to show proof on their part with their signatures that they now own the so called account, what real power if any do these collections have? they sure know how to use their words to make it sound legit. Because they are saying i must respond in 5 days or further action will be taken, garnishment of wages and assets, summons to appear in court might be a possibility as well as sued. Or should i just ignore them like some have said but if i get a summons to appear in court and don't show will i get a judgment against me? Won't that look bad on my part and good in their favor? I admit this has got me somewhat razzled is that how they work? To get one razzled and give in to their demands hoping to use threats and scare tactics. Thank you

    • @wadeawilliams
      @wadeawilliams 2 роки тому +3

      @@dr.jones.3832 reply via certified mail.
      Don't tell them how to verify the debt. That is their burden not yours.
      Simply say, "I dispute this debt. Sincerely..."
      That will preserve your legal rights.

    • @dr.jones.3832
      @dr.jones.3832 2 роки тому +1

      @@wadeawilliams thank you

  • @mcbaby1520
    @mcbaby1520 Рік тому +1

    So what they sent me was a typed up document that had my name an account number and the creditors name and they told me the original creditor will send the original agreement. Also what to do when there are 2 agencies trying to collect the same debt?

    • @wadeawilliams
      @wadeawilliams Рік тому +2

      The collectors are liars. That is the first point. If there were an ethical collector, they would be bankrupt. Keep that in mind when you deal with them. You probably have ethics and they dont.
      Specific to the situation you just mentioned, think about what you were sent. If no one signed it, it is just paper with ink (toner) on it. Signitures give papers meaning. Without a signiture, the is no one to depose or cross-examine. In court you can object that the paper violates the Rules of Evidence. Every piece of evidence has to have a human to say it is valid.
      I always reply to unsigned paperwork these simple words... "The paper you sent me was unresponsive to my demands. Sincerely, Boiler Williams" Nothing more. I also don't sign it. I dont tell them what was wrong with the papers. I dont do their job for them. I dont give them a specific thought to argue with. You dont owe them that. Let them do their job. Oddly, their second response is usually send the same paper and get the same responce from me. Collection agencies are not learning organizations.
      As to having 2 collectors chasing after the same debt....
      Obviously, this makes no logical sense. If you need a reason to think collection is a racket, this is strong evidence. They will also often collect on debt you already paid. They dont care.
      Send the same dispute letter to the second collector as you did the first collector. Use the exact same process.
      Dont try to reason with them. You cant use logic to settle something unless both sides undersatnd logic.

    • @mcbaby1520
      @mcbaby1520 Рік тому +1

      @@wadeawilliams Absolutely! I hope they all go bankrupt and allow corporations either to collect or write it off. The second agency sent a letter that read: Based on the information provided ti us, we have instructed the consumer reporting agencies ti delete the account off my credit file.
      Everything you have said and taught me is so true!!
      I cant thank you enough!!😊😊😊😊

    • @wadeawilliams
      @wadeawilliams Рік тому +1

      @mcbaby1520 Glad it worked for you and thank you for the feedback. Your success is the reason I do this. I no longer offer a class for sale. I don't charge for anything I do. I just like beat the tar out of collectors!

  • @MsJazzy49
    @MsJazzy49 3 роки тому +10

    I’m glad I found your channel and I like the information you shared what happens if the debt collector place a collection on your credit report but they never sent you any kind of letter about the debt ?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +7

      Send them a debt validation letter. Also, send a dispute to the credit reporting bureaus that are reporting the trade line.

    • @lernen.ohne.angst.official2737
      @lernen.ohne.angst.official2737 2 роки тому +4

      @@HitmanCreditSolutions I 2nd this response. At the very least, dispute through the credit bureau. The debt collection agency by law has to respond to all e-OSCAR requests. Worse case, it could be removed from your credit if the debt cannot be validated.

  • @jessemarkham1164
    @jessemarkham1164 9 місяців тому

    I asked for verification of 3 debts with the same debt collector, all they responded with was a form letter with a rubber stamp thats says its verified and owing. However they haven't sent any verification and the letter was only for 1debt and states it is now there debt and i no longer owe the original creditor. The original creditor also put it on my credit report that it was charged off. How should i proceed to get these issues taken care of?

  • @evemito
    @evemito 4 роки тому +6

    Thanks so much for this. You're so great and helpful.

  • @chanelchanel3228
    @chanelchanel3228 2 роки тому +2

    Also if the collection agency is in my area can I just take the letter to them directly?

    • @wadeawilliams
      @wadeawilliams 2 роки тому +1

      I wouldn't. You make a gap in the paper trail. Have the delivery confirmation from the post office is amazingly powerful.

  • @beeha8133
    @beeha8133 3 роки тому +4

    What if they send a statement of the amount from the credit card company owed but not the original document with signatures. Is this still proof?

  • @joyceroach9451
    @joyceroach9451 3 роки тому +2

    Hi, a medical collection show up on my credit report with 2 of the 3 Bureaus I disputed them both one of the Bureaus have completely deleted the debt and the other hasn't, I received a statement from the Bureau who didn't bother to delete the debt stating they have verified the debt is mine however they did not do what I ask and that is sending proof ..where do I go from here?

    • @superjam18
      @superjam18 3 роки тому +1

      Did you find out what to do,? Im expecting a response in the mail to my debt validation letter today

  • @jkruse08
    @jkruse08 2 роки тому +2

    I just received"debt verification" from a debt collector which is essentially a print out of a medical debt that reads account balance is zero. They failed to provide my signature saying I was financially responsible for these services or anything else I requested. How do I respond to this?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  2 роки тому +2

      Consider telling them they were not responsive to your demands. Why tell them how to cure the issue? Let their lawyers tell them how to fix issues. You dont work for them. If they are causing you credit issues, consider filing a FDCPA lawsuit in federal court. State and local courts never give you justice. The "judges" their are just cashiers in an ugly dress.
      Just simply tell them they were not responsive to your demands. Don't say in two words what you could have said in one.

  • @theopiluslowe2213
    @theopiluslowe2213 3 роки тому +3

    What happens after I set up a payment plan and then stopped. I already restarted the clock with 2 or three collection agencies. What can I do?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +9

      Sorry, you admitted the debt by your agreement. You admitted that you owed a third party money when you made the agreement and doubled down by paying them.
      Don't do that again.

  • @sarahlockwood8133
    @sarahlockwood8133 3 роки тому +8

    I got sued. I provided an answer to the court at $225 per answer. Never heard from them again. Until two new collectors are claiming the same debt. Looks like they decided I wasn't worth sueing and resold the debt. So here I go again. I'll try the unresponsive letter and see where it goes.

    • @ashetc.3649
      @ashetc.3649 Рік тому

      Hi how can I enforce what you did by charging them $225 per answer? Is it a law I state?

    • @Liam__G
      @Liam__G Рік тому +2

      It's possible to avoid service of the suit, therefore they can't continue with the process/suit. So no judgment either.

  • @MrJoshuat72
    @MrJoshuat72 3 роки тому +1

    Great Stuff Hitman!!!

  • @pattielaine2931
    @pattielaine2931 2 роки тому

    Thank you so much Sir, May God continue to bless you.

  • @janetharriola8589
    @janetharriola8589 Рік тому

    What if you confirmed the debt(on the phone) and you made a small payment ?

  • @leahlattimore9771
    @leahlattimore9771 Рік тому

    Are there any us codes I can present with this?

  • @inklabdesigns
    @inklabdesigns 8 місяців тому +2

    Has anyone done this with MCM and got them to drop the claim? These guys are aggressive and sue for even under $1,000 and so far I haven’t seen anyone anywhere on the internet mention that they were able to get the case dropped.

  • @eurrainajones844
    @eurrainajones844 3 роки тому +1

    Thank you so much for your video it is a big help.

  • @billmurray4206
    @billmurray4206 23 дні тому

    When you say at the end about being deposed that you told them "you'd have to ask the person who made the copy," were you suggesting that person who made the copy presented to you in court copied and pasted your signature from a different document onto the one they were showing you? Or were you suggesting the person who made the copy made a copy of a document that you actually signed?
    Also, earlier in the vid, about the collector's name not being in the collection later, just the creditor's name, is it enough for them to send you a new letter fixing that, or are you basically asking them for a copy of the contract between them and the creditor authorizing them to act as a collector, to make sure you aren't being asked to pay some random scammer or someone who isn't authorized but thinks they are? Then upon receipt of that, or you could even ask for it before, you may want to ask for proof that they're licensed in the jurisdiction to do collections, right? Maybe topics for a follow-up video. Thanks.

  • @PhantomXVoice
    @PhantomXVoice Рік тому

    Amsher collections sent me a validation of my debt from CITI bank that i owe over $600 and they sent me bank statement and my signature on an original document. Im trying to fix my credit and I sent my verification letter first, and I get this as a response...which i wasnt expecting. What should i do? Thanks!

  • @freed6164
    @freed6164 9 місяців тому

    Is it legal for the collection agency to get our medical bills without our permission? Isn't there a medical legal privacy issue with that?

  • @maryshellsmith6627
    @maryshellsmith6627 Рік тому

    I have this situation with medical debt, but it hasn’t been reported to the credit agencies. I want to not pay, and send all these letters, but I’m concerned they will report it to collections. What do you think?

  • @diverse-treasures
    @diverse-treasures 7 місяців тому

    HELP! What do you do if the ORIGINAL CREDIT ISSUER validates the debt (hasn't gone to collections yet?) They provided me with a copy of an electronic signature (it doesn't even look my signature). The debt will be two years old in July and is the only derrogatory tradeline on my report. Do I have any options at this point?

  • @4050322
    @4050322 3 роки тому +4

    This is a none sense the collection agency will only mark the acc as disputed but will still report to the credit agencies and impacts your score.

  • @j.a.3138
    @j.a.3138 4 роки тому +2

    I have the same issue with LVNV Fundings. The original creditor was credit one. My account was transferred to 3 other collection companies. I sent a validation letter to LVNV and received a package of all my bill statements with credit one printed on them, from Mandarich Law Group. They also sent me the transfer and assignment, bill of right, etc with each signature of collectors. What to do next?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  4 роки тому +4

      You can't believe what they send you. You cant take it hook line and sinker. You have to challenge it. Who says it is validation? Is there a person that says so? If no person signs it, it is hearsay. Reply back telling them they have been unresponsive to your demands for validation.

    • @j.a.3138
      @j.a.3138 4 роки тому +2

      @@HitmanCreditSolutions Thanks! Will send them a letter tomorrow

    • @truman8527
      @truman8527 4 роки тому +2

      @@j.a.3138 keep us posted on what their reply is please! I’m having a similar issue with them as well.

    • @mcbaby1520
      @mcbaby1520 Рік тому +1

      @@j.a.3138 Any updates.?

  • @mikemartino3422
    @mikemartino3422 3 роки тому +1

    Thank for the advice

  • @askye971
    @askye971 3 роки тому +1

    Can a debt collector send a "health Insurance Claim form" as proof of validation? A debt collector sent one, but I never filled out any documents for a lab company, nor does it have my signatures on it, and some of the dates and people don't match up.

    • @wadeawilliams
      @wadeawilliams 3 роки тому

      A debt collector can send you anything they want. They can never send validation unless you agree it is validation. Here are a few common critical flaws... Is it signed by anyone claiming it is valid? (If not it will be hearsay in court). Is the collector's name even on the document that was sent to you? (if not, how are they a party to this debt?).
      In the end, you will only get sent bad documentation. They are liars and will send you anything to get you to pay.
      What will your response be to the crap they sent you. It is critical not to admit the debt. My response is usually short and simple: "The papers you send me were not responsive to my legal demand for validation"

    • @askye971
      @askye971 2 роки тому

      @@wadeawilliams The Collector's name is not on the Health Insurance Claim Form, just the original creditor's address at the bottom. Someone signed this document; however, the name is not legible and it was signed December 2021 and not in 2020, when the initial date of service transpired. Plus, the document has a bunch of codes for certain medical testings, which can be looked up on google to reveal what the test was performed for. This sounds like a potential HIPPA violation in my eyes because, aren't claim forms considered confidential because it is strictly between the business and consumer's insurance? Also, I did not sign a HIPPA form with this lab. Needless to say, my signature is not said document, nor is my handwriting. Someone typed this, printed it out, and sent it to me from CCS Collections. The fact that I can google this unwatermarked document does not sit well with me either.

  • @adamcalafut3535
    @adamcalafut3535 3 роки тому +6

    I did both steps. Sent my dispute letter. They sent documentation with information. Then i sent my 2nd letter that you described here in this video. What should i expect after that from the collection agency? They haven't called or sent me a letter in 3 months since i sent my 2nd letter.

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +1

      They may go radio silent. Are they on your credit reports?

    • @adamcalafut3535
      @adamcalafut3535 3 роки тому +1

      @@HitmanCreditSolutions
      No its not on my credit report. Any experience with some1 sending 2nd letter and not hearing back for a bit? What do you mean by radio silent? This temporary?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +8

      @@adamcalafut3535 Why do you care if it is not on your credit report and they are not suing you? If you have disputed the debt, that is all you need to do. Dispute anything they send you going forward.

    • @adamcalafut3535
      @adamcalafut3535 3 роки тому +1

      @@HitmanCreditSolutions Thank you for your time and replying.

  • @Evelynnng1
    @Evelynnng1 Рік тому +1

    Hi what should I do about a collection of $200? They called me earlier saying they were going to take legal action and asked if it was me on the phone they said my name I just said wrong number. Do you think they’ll really take me to court for something $200..

    • @wadeawilliams
      @wadeawilliams Рік тому

      $200 is a ridiculous amount to get sued over. In reality, they aren't going to sue you for the $200, they want all their fees. So in my mind, anything is possible. You are dealing with the greediest of greedheads... the most dishonest of liars.
      Whether they do or don't get sued, your plan of action needs to be based on them being a threat to your finances and time. Your plan should be the same. I would send them a dispute letter just like a $200000 collection call.
      Also, check your credit reports.

    • @Evelynnng1
      @Evelynnng1 Рік тому

      @@wadeawilliams Thank you! Yes it’s about $200 I owed because of a breast pump I ordered through my insurance and I decided to return it the guy form customer service said if I opened the box it was fine as long as all the wrapping on the pieces were still on which they were but I returned it and have the receipt still were I returned it and they called me a week later saying I had to pay full price because I opened the box even if the customer service guy messed up and told me something else 🤦🏻‍♀️ I guess my bill got sold to the credit company called midland credit management and now they’re calling saying they’re going to sue me and sending letters to an old address we’re I lived with my ex boyfriend.. but thank you I’m going to send the dispute letter. When I do do I use my new address on the envelope and do I tell them I don’t live at the old address we’re they’re sending the letters to or what should I do? Again thank you!

    • @wadeawilliams
      @wadeawilliams Рік тому

      @@Evelynnng1 is it on your credit reports?

    • @Evelynnng1
      @Evelynnng1 Рік тому +1

      @@wadeawilliams No I haven’t seen anything yet.

    • @wadeawilliams
      @wadeawilliams Рік тому

      If they are not on your credit reports consider doing nothing. If you give them your current info, you are doing their job. How can they sue you when they dont know your address to serve you the lawsuit.
      Honestly, I am 97% sure they are not going to do anything. If they do, sue them. I have sued them. I can't tell you what happened as I agreed not to say.... but Midland's checks clear.

  • @janetarchila7425
    @janetarchila7425 2 роки тому

    What if they have already reported a negative railing on my credit?

    • @wadeawilliams
      @wadeawilliams 2 роки тому +1

      Not much you can do to stop them from reporting whatever they want. You just have to keep after them. Keep working the process.
      Disput the credit line with the bureau.
      It sucks, but you are guilty until proven innocent.

  • @drivemuscle
    @drivemuscle 3 роки тому +5

    Hello I am in need of help I sent over a letter of validation and they responded with a Monthly statement from the account and a lot of bill of sales from credit collections agency’s being sold by the original creditor
    Is this debt validation ? Thank you in advance for you help

    • @sheapublishing
      @sheapublishing 3 роки тому +5

      This is only validation if you agree it is. I would reply that the debt collector was unresponsive to your demands.
      I wouldn't tell them this but think about it. Were there any signatures on the papers? No? Who said the records were accurate? Noone?
      Without a person that verifies them, they just sent you papers. Nothing more, nothing less. In court, it would be hearsay.

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +4

      What Laser Focused said!

    • @ReelLife97
      @ReelLife97 3 роки тому +1

      @@HitmanCreditSolutions Boiler, when you said in this video that "your name in not mentioned in papers you sent me", what name are you referring to, the lawyer's name or bill collector's name?

    • @sheapublishing
      @sheapublishing 3 роки тому +1

      @@ReelLife97 Probably both. Look at the paperwork you were send by, say Midland Funding (or a lawyer firm). It will be an account statement from, say Chase Bank. The statement will not have Midland Funding's name on there. If their name isn't even on the paperwork, how are they a party to the debt? What shows Midland has a right to collect? Nothing.

    • @ReelLife97
      @ReelLife97 3 роки тому

      @@sheapublishing True the law firm is not included in the bill of sale, only between capital1 and bill collector Unified. Ok, I'll address that to them. Thanks!

  • @ebonyholsey5411
    @ebonyholsey5411 2 роки тому +2

    I'm fighting a rental collection on my credit which is preventing me from moving. I disputed the charge and it came back verified. The collection company sent me a copy of my lease and a breakdown of what I owed from the owner of the house. The amount is incorrect. What should I do next? My credit was doing so good and then it dropped 33 points once that collection hit my credit.

    • @DeAndreDorsey-dn4qo
      @DeAndreDorsey-dn4qo 6 місяців тому

      I’m going through this now, did you ever get it resolved 😫

    • @ebonyholsey5411
      @ebonyholsey5411 6 місяців тому

      @@DeAndreDorsey-dn4qo no!

  • @moiseslerma3695
    @moiseslerma3695 4 роки тому +4

    thank u sir 4 ur knowledge

  • @MrCosito5
    @MrCosito5 3 роки тому +1

    I'm going on 3 yrs now of ignoring collection calls on a few debt collections. Hoping for the 7 yr fall off instead of doing bankruptcy. Saw a UA-cam video tht said if they can't reach me in which then they can't verify my identity or agree to the debt, they're hands are tied and can't push anything on me because of no contact. Is that a true tactic or am I burying myself into a huge problem.

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому

      Waiting seven years is a strategy some people use. Make sure none of your debts reage. If you don't know what that means, look it up.
      As your debts age, they begin to become less impactful. Your issues will impact your score less and less until they are 7 years old, then they should have no effect.
      The phone calls I ignore. They are usually in violation of the TCPA. Every letter must be responded to within 30 days with a debt validation letter disputing your debt.
      Make sure you are disputing any letters, or you may end up in county court. Defendants always lose in county court.

    • @MrCosito5
      @MrCosito5 3 роки тому +1

      That's good to know and good advice. Now, just like phone calls I have also ignored letters from debt collectors for 3 years aswell. Should I stop don't that?

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +1

      @@MrCosito5 Yes stop ignoring the letters. Send a debt validation letter. That will preserve your legal rights.

    • @MrCosito5
      @MrCosito5 3 роки тому

      Thank you!!

  • @243monpaysheart-gachette-f5
    @243monpaysheart-gachette-f5 4 роки тому +1

    Bank of America sent my debt to the Credit collection.The credit collection send me a 30dsys notice (after that we will go to court) what should I do? I’m ready to pay off the money but I want to be done properly and remove it from my report. Please help

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  4 роки тому

      Send a debt dispute letter. That will maintain your rights and perhaps scare them off.

  • @cynthiamitchell4472
    @cynthiamitchell4472 2 роки тому

    I was sued and the man read off the paper my name etc.i told the judge i didnt sign anything with them went to court twice judge sided with them now I have to pay

  • @alecmakgoale2517
    @alecmakgoale2517 Рік тому

    Awesome video really appreciate, just a quick one, how to stop paying collectors after already falling in their trap or stalling the sermons. Thanks in advance

  • @ceharp8725
    @ceharp8725 Рік тому

    I tried closing an account with eHarmony at end of one subscription dt it being worthless. After doing that I would back out of the website and try unsubscribing, then it would resubscribe me automaticly. After doing this for weeks, I just started deleting emails. This was in 2019. By 2020, a new automated subscription started without my authorization, so I once again went into the website, which still had not undone my account and I left a complaint letter telling how hard it is to understand how to delete it and could they please do it.
    I never had any luck. But I started receiving collections letters about every 6 months which I put in the trash. The amount was $300 something. It was wrongly charged so I continued ignoring. I am not sure what I should do but it was turned over to RFGI

  • @v1-vr-rotatev2-vy_vx31
    @v1-vr-rotatev2-vy_vx31 Рік тому +1

    Actually sued MCM and another. Won both cases and they had to clean off my credit as per settlement.

    • @Lisa-ed4qe
      @Lisa-ed4qe 9 місяців тому +1

      Do tell how you handled MCM. They just mailed me a pre-legal letter like I'm suppose to be scared. I owed 3k from citi. I have no means of paying because I honestly just don't have it. I sent a validation letter this week so now I'm just waiting

    • @inklabdesigns
      @inklabdesigns 8 місяців тому

      @@Lisa-ed4qejust wondering if you have an update on this? I sent a validation letter and they replied back with the last statement from my original creditor. MCM seems aggressive and can’t even go to court so I’m trying to find someone that followed the advice of this video.

    • @Lisa-ed4qe
      @Lisa-ed4qe 8 місяців тому

      @@inklabdesigns haven’t heard back yet. I’m assuming I should hear back this week or by next week. I’ll keep updating this thread

    • @inklabdesigns
      @inklabdesigns 8 місяців тому

      @@Lisa-ed4qe I didn’t realize your comment was from 10 days ago. Thank you. I’m just not sure where to go from here and definitely can’t afford any lawyer to help me with this. I have not sent a response to their response to me.

    • @Lisa-ed4qe
      @Lisa-ed4qe 8 місяців тому

      @@inklabdesigns did you get a pre legal letter yet?. When you deal with them only do it through mail not over the phone. You can probably hire a lawyer on a contingency base

  • @sl2427
    @sl2427 Рік тому

    Going through the same ...

  • @maggiejimenez3468
    @maggiejimenez3468 2 роки тому +1

    What do you do if you live in a state (FL) where an electronic signature is valid?

    • @wadeawilliams
      @wadeawilliams 2 роки тому +3

      Challenge it like a physical signature. Let them prove it. Make sure you are disputing more than the signature. There are all kinds of things to dispute.

  • @martynaaries6045
    @martynaaries6045 3 роки тому +2

    I kinda don't understand how to deal with a validation letter..signature etc.
    If they sent print outs of my account [ credit card for example]....how am I disputing that ? Sorry 😞

    • @HitmanCreditSolutions
      @HitmanCreditSolutions  3 роки тому +3

      If they send you printouts, they were not signed. Who sent them to you? What person? A nameless person cant prove anything. It is hearsay.
      They will send you printouts, or outright fabrications. No person ever signs them to verify them. Only nameless papers. Paper with ink on it.
      Also, think about what a collector sent you. Does it have the collector's name on the printouts or the original creditor? If the collector, say Midland Funding, sends you a printout of your account at, say Chase Bank that "may" show that you owe Chase bank money. It does not show that you owe Midland funding money.
      The chain is of ownership is never shown to you. You have no proof of any agreement between Midland and Chase. You never signed an agreement with Midland.
      Hope these two points make sense.

    • @jenniferclark5094
      @jenniferclark5094 3 роки тому +2

      I just returned from court & the law firm who brought suit on behalf of the junk debt collector provided copies of my statements, and Bill of Sale (signed by the original creditor) They did not provide anything with my signature on it but in the bill of sale, they referenced an ‘agreement’ but didn’t attach it. In my court hearing today, I asked for a copy of that agreement. The attorney said I wasn’t privy to that & that it is between them & the original creditor and is not available for discovery. I replied that I have a hard time believing that I wouldn’t be allowed to view a document which lays out the terms and conditions under which you are being allowed to sue me. The judge sided with me and gave me 30 days to put this in writing. Hopefully when I draft my response and send it to the court and the attorney, and I go back to court that they will agree and drop it. Because I’m assuming they don’t have this agreement or they would’ve provided it to begin with?

  • @lauraquintero2101
    @lauraquintero2101 2 роки тому +1

    I would like to buy the course but unable to get to the link. Could you help please?!?🙂

    • @wadeawilliams
      @wadeawilliams 2 роки тому +1

      Sorry, Laura. The course has been taken down. The different hosting companies I used have closed my account. They don't want to host this information.

  • @Kenturkyplaza
    @Kenturkyplaza Рік тому

    What do they mean by account disputed by consumer (meets FCRA requirements)

    • @SamplingPercussion
      @SamplingPercussion 9 місяців тому +1

      They've made a note on your credit file stated that you have challenged the debt and per the FCRA they have to make that marker on your credit report to protect their butts.

  • @ambrielldunlap4233
    @ambrielldunlap4233 2 роки тому +2

    Hi, I wanted to know if I should send my social security number in the late payment dispute letter(Inclusive of my contact information). or should I leave it out? Also should I include a utility bill and if any, what documents would I have to get Notarized? I hope that you can help. This is my first time disputing things off of my credit report, and I would like to make sure I give the creditors little to no reason, not delete the late payments.
    Thank you for your videos. They really are helping young adults such as myself get and keep a handle on our credit!

  • @justinpierre3793
    @justinpierre3793 2 роки тому

    How do I join your debt credit resistance. Is it still possible to use the letter and where can I access it.

  • @cashofferorterms5393
    @cashofferorterms5393 3 роки тому +1

    I have disputed a debt with Experian with Second Round LP & was successful on having it removed. Months later it was purchased by a law firm & now I have a demand letter. Is this even legal?

    • @cashofferorterms
      @cashofferorterms 3 роки тому

      Also the website is down?

    • @wadeawilliams
      @wadeawilliams 3 роки тому +3

      Yes. It is probably as legal as the first time. Remember, they dont own the debt. Make sure you send the second company a debt validation letter.

  • @user-sh4tn7iv9f
    @user-sh4tn7iv9f 2 роки тому +1

    Hi Boiler, from your video, it seems that you’re here in Colorado. Wondering if I can call you sometime soon about a debt involving an insurance company over a traffic accident, which no one seems to want to handle?

  • @trentonog4066
    @trentonog4066 2 роки тому +1

    Make another video

    • @wadeawilliams
      @wadeawilliams 2 роки тому +1

      Everything that needs to be said has been said in the videos that were previously made. There is enough information to fix your issues. We didn't want to make videos saying the exact same thing.

  • @HermesGirl
    @HermesGirl Рік тому

    So I didn't owe money to a former landlord because my damage deposit covered more than the bill. The debt collecter responded with a copy of the bill which showed the damage deposit amount which the landlord wrote VAWA next to then the charges but he did not subtract the deposit. I sent a letter pointing it out, and also pointed out how the Violence Against Women Act does not allow landlords to pocket the damage deposits (and I cited the law) and that all this proved was that the landlord owed me $199. I cited several more laws. And never heard back. Three months later I get notice from equifax my credit was dinged 50 points because of this debt. I am in the process of disputing it with the credit companies... one down two to go .. but thought I'd research a bit first and yours was the first video I have come accross. I didn't think of the signature angle. But if they decided to report and pursue it despite me citing laws that it would be against, I don't think that would have stopped them?

  • @camillie1008
    @camillie1008 2 роки тому +3

    Hi! I just found your video because I received a debt collection notice (they've covered all their bases in the letter) for a time-barred debt with a credit card company that's 6 years old now. According to my credit report, the credit card company charged off the debt awhile ago. I'm wondering if I should just ignore the letter or respond in one of 2 ways. First, send them a dispute letter requesting validation for proof that I owe the debt collectors OR send them a notarized notice of Conditional Acceptance upon proof that there exists a signed agreement that I owe them?

    • @wadeawilliams
      @wadeawilliams 2 роки тому +4

      Send a simple debt validation letter.

    • @Softball2468lover
      @Softball2468lover 2 роки тому

      LOOK AT THE STATUE OF LIMITATIONS FOR DEBT IN YOUR STATE. YOU PROBABLY COULD HAVE ALREADY HAD THAT OFF YOUR CREDIT REPORT PER THE
      FCRA