Liberty Mutual car insurance canceled my policy but still charged me a second month. I don't understand how I owe for 2 months when I was notified policy was canceled in 1st month.
Is there any plan of attack when the debt collector said they use another third party collection agency that specializes in the timeshare industry that actually holds the outstanding debt? In other words, the collection agency seeking payment does not actually hold the debt, another one they use does. Neither of them has shown proof of a debt owed, just a copy of a signed contract.
I don't completely understand your question, but timeshares are different from most of the debt we talk about. It's worth your while to speak with a lawyer who specializes in timeshare exits.
Hello! Am I understanding that if the debit collector has not sent us a letter stating the debit, BUT has called us many times trying to communicate with us, could they be breaking the law?? We have been summoned twice, which the first time we paid, so we didn't go to court...we were scared living in a small town. Then the second one came and we involved a lawyer and the total was reduced than stated. We paid in payments and we thought that was it.....Oh no! The same debit collector, Quad Corp., has now been trying to call us since the end of May and our lawyer found out from Quad Corp.'s lawyer that we owe more....which we have no idea what it is!! WE have not received a letter of any kind from the get go!! Our lawyer asked us to find other guidance in this matter....he's too busy and he normally doesn't deal with this. We now will send this validation and verification letter, so we can be shown what this is about. I'm wondering if they could be sued by not sending a letter to us??? The first time it was a summons to court....nothing by mail at all! The second time, again, nothing by mail, except being summoned. That's when we had a friend, who is a lawyer, to help us. Thank you for your videos!! We would love to hear from you. 🤗🙏🏻🤗 Ann M.
I’m not sure I understand your facts but based on this I’d be looking for reasons to sue the debt collector. Check out our Debt Collection Battle Plan video.
If it's not your debt, they're breaking the law. If it's really your debt, but they're using the wrong social, they MAY be breaking the law unless you gave someone the wrong information.
A creditor has sent a "debt" of $660 to a law firm. They've contacted me today. They are using the new form to allow for me to dispute. This is in MD. The issue is the service the creditor says I owe money for is a service I did NOT agree to. They claim I owe this money for cryo-storage for some viable human embryos that were "spares" when my partner and I used the creditor's fertility clinic services. I explicitly requested all extra material be destroyed once we had a viable pregnancy/birth. The birth in question was in April 2018. They claim I owe storage fees from last year (I think it's just last year). I never signed any agreement to store anything. I specifically signed something stating they were to destroy all material. What can I do? I’m disabled and the stress is not good for my pain conduction. Thank you. I’m sharing your videos to everyone I know that would benefit from them. I learned a lot In this video! I thought the terms meant two things. Legalese is usually VERY specific. It seems to lose specificity when it businesses want gray areas to side step their responsibilities.
Thank you for sharing. I responded to your other comment, and the gist of my response is that whether you owe that debt depends on the contract you signed with the storage facility. For example, they may have had a cancellation process that you agreed to but didn’t use.
The debt collector is responsible if they are collecting amounts that you don’t owe. Usually this is priced into the deal with the original creditor when they acquire the right to collect.
Hi. I found out 2 months ago that a tax preparer I'd trusted for close to ten years lied and said I owned a small business. Because of that, i was not able to recieve my refund this year...at all. How should I go about bringing a complaint against this lady but ALSO clearing my name with the IRS? please help.
Great advice thanks Can you please help me 1. Should I first send a letter to the credit bureau to investigate my report? 2, or should I sent a dispute letter to the collection agency Thanks 🙏🏾
I find conflicting info online. Some say even requesting verification may restart a written-off debt. Some say don't do anything. Others say doing nothing will restart the debt. Is alleged debt a good term to use? Thank you.
I asked for debt validation packet and they sent me a judgment from another law firm, dated 3 years ago but was charged off. Now this new firm is trying to take my tax refund. I’m on SSDI. What should I do? Thank you
> Now this new firm is trying to take my tax refund. I’m on SSDI. How are they trying to take your tax refund? Usually only government agencies can do that.
It’s for my state taxes in Michigan. It’s for an old credit card debt. In 2019 they attempted to seize my car but at the time my car was 16 years old and the tow guy called me (while I was in ICU) and said he wasn’t going to seize it. After that it was charged off. Fast forward to 2022 and I received notification from the state of Michigan my state refund was going to the debt collector. Not sure what I can do since I’m on SSDI. Help please!
We've never sen that here in Florida. You almost certainly need to speak to a Michigan lawyer who defends debt collection. I don't have anyone like that on my list right now.
More to come! Rescission mostly applies only to mortgage refinances and certain other contracts depending on state law. Here's a CFPB article about it: www.consumerfinance.gov/ask-cfpb/how-long-do-i-have-to-rescind-when-does-the-right-of-rescission-start-en-187/
But what do you do if the verification that they send is still wrong? I have a debt collector who will only send me an account statement from my previous apartments but the charges are not correct and I told them I needed a itemization of the individual charges and they haven't sent that what should I do I'm in NC.
We don't practice in NC but if the "verification" includes false statements that overstate the charges the debt collectors may be violating federal law. Landlord/tenant cases can be very tough and you should speak to a lawyer in NC who handles that type of case.
Hi, I sent the validation letter to the collection agency, on the validation i requested proof of the original contract or agreement bearing my signature but they did not send me what i asked for. I can tell that the collection agency do not have any contract or agreement signed by me. The collection agency is telling me that i need to sign the validation letter with my signature on it. DO I NEED TO SIGN THE VALIDATION LETTER? What laws under the FDCPA state that the validation letter must be sign? Can you please give me your advice on what to respond to the collection agency on this situation.
They don’t have to give you a signed document. We’ve done several videos on debt validation and I recommend you watch each of them to get a complete answer to all these questions.
Really enoy the videos. Question: Can you request the collection company tell you the name of the person that validated the debt and what method they used?
Is it possible to settle debt and negotiate to pay absolutely little than original debt? I owe grands for several debt collectors but I could probably pay off $200 for each collectors to get them off my back
I believe when you deal with the law, you have to use a black law's dictionary and it will give you the difference between the word's, so that is the best way to dress a complaint.
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I enjoyed watching your videos all the time,there's a question i like to ask, If two people lives at the same address with the same name different date of birth,different social security number and one decide to stop paying his credit card and leave the country forever, what will happen to the other one with the same name?
What *should* happen is nothing, if the person who stays was never on the account. It is possible that the creditor may confuse the two people, and pursue the wrong person for the debt. That could require a lawyer to sort out.
@@RWlawFL 100 percent, I'm waiting on the credit bureaus to update my information I sent certified a few days ago, if I called and tried to settle years ago and disputed online can I still send a letter of validation for my medical bills?
Let's see what did I learn.....😅😢 I learned that the answer to my lawsuit for supposed credit card debt was weak at best and that I'm in over my head. Unfortunately I have no funds for legal counsel and will just have to ride the storm that is coming. 😂😂😢
The trick to Portfolio (you mentioned them in your other comment) is finding out how they broke the la in your case-if they did, most lawyers won't charge you anything up front to help you. They'll get paid by the other side.
Do you want to know how to stop them? First step, tell me whether they are calling you on the phone, writing you letters, or communicating with you in some other way.
You can send them a cease and desist letter in writing demanding they stop contacting you. That should stop it. If they are reporting “old debt“ on your credit report, you have a right to demand that anything more than seven years old be deleted from your credit report. You send that letter to the credit bureau directly.
![How much time do debt collectors have to sue you? [statute of limitations]](http://i.ytimg.com/vi/TeK09B6IVBo/mqdefault.jpg)
Can you say please validate and verification of the debt in the letter?
We teach you everything you need to know about what to say in your letter, here: rwlaw.mykajabi.com/crush
I learned a lot as always from your channel
Glad you liked it!
Thank you! Happy new year 🎊
You're welcome and Happy New Year!
I do have a question though and that is do your validation letters come with your firm's letterhead on them?
Not unless you've hired us to represent you. But you don't need a lawyer on the letterhead to protect your rights.
@@RWlawFL ,thank you for responding.
You're welcome!
How to stop collections from reporting to 3 credit bureau?
Have you seen our latest video?
Very good information thank you.
Glad you liked it!
Liberty Mutual car insurance canceled my policy but still charged me a second month. I don't understand how I owe for 2 months when I was notified policy was canceled in 1st month.
I don't, either. Look to your contract. If they're trying to collect money from you that you don't owe, they might be breaching that contract.
Is there any plan of attack when the debt collector said they use another third party collection agency that specializes in the timeshare industry that actually holds the outstanding debt? In other words, the collection agency seeking payment does not actually hold the debt, another one they use does. Neither of them has shown proof of a debt owed, just a copy of a signed contract.
I don't completely understand your question, but timeshares are different from most of the debt we talk about. It's worth your while to speak with a lawyer who specializes in timeshare exits.
Hello! Am I understanding that if the debit collector has not sent us a letter stating the debit, BUT has called us many times trying to communicate with us, could they be breaking the law?? We have been summoned twice, which the first time we paid, so we didn't go to court...we were scared living in a small town. Then the second one came and we involved a lawyer and the total was reduced than stated. We paid in payments and we thought that was it.....Oh no! The same debit collector, Quad Corp., has now been trying to call us since the end of May and our lawyer found out from Quad Corp.'s lawyer that we owe more....which we have no idea what it is!! WE have not received a letter of any kind from the get go!! Our lawyer asked us to find other guidance in this matter....he's too busy and he normally doesn't deal with this. We now will send this validation and verification letter, so we can be shown what this is about. I'm wondering if they could be sued by not sending a letter to us??? The first time it was a summons to court....nothing by mail at all! The second time, again, nothing by mail, except being summoned. That's when we had a friend, who is a lawyer, to help us.
Thank you for your videos!! We would love to hear from you. 🤗🙏🏻🤗
Ann M.
I’m not sure I understand your facts but based on this I’d be looking for reasons to sue the debt collector. Check out our Debt Collection Battle Plan video.
What if the portfolio puts an account on my report that belongs to a different social?
If it's not your debt, they're breaking the law. If it's really your debt, but they're using the wrong social, they MAY be breaking the law unless you gave someone the wrong information.
Thanks for responding. No I didn’t
Glad to help! Are you in Florida?
No I’m not…TX
In Texas, call Bill Clanton or Daniel Ciment. Those lawyers can help you figure out what to do.
A creditor has sent a "debt" of $660 to a law firm. They've contacted me today. They are using the new form to allow for me to dispute. This is in MD.
The issue is the service the creditor says I owe money for is a service I did NOT agree to. They claim I owe this money for cryo-storage for some viable human embryos that were "spares" when my partner and I used the creditor's fertility clinic services.
I explicitly requested all extra material be destroyed once we had a viable pregnancy/birth. The birth in question was in April 2018. They claim I owe storage fees from last year (I think it's just last year). I never signed any agreement to store anything. I specifically signed something stating they were to destroy all material.
What can I do? I’m disabled and the stress is not good for my pain conduction. Thank you.
I’m sharing your videos to everyone I know that would benefit from them.
I learned a lot In this video! I thought the terms meant two things. Legalese is usually VERY specific. It seems to lose specificity when it businesses want gray areas to side step their responsibilities.
Thank you for sharing.
I responded to your other comment, and the gist of my response is that whether you owe that debt depends on the contract you signed with the storage facility.
For example, they may have had a cancellation process that you agreed to but didn’t use.
So what happens if the original creditor sends incorrect information to the debt collector?
The debt collector is responsible if they are collecting amounts that you don’t owe. Usually this is priced into the deal with the original creditor when they acquire the right to collect.
Hi.
I found out 2 months ago that a tax preparer I'd trusted for close to ten years lied and said I owned a small business. Because of that, i was not able to recieve my refund this year...at all.
How should I go about bringing a complaint against this lady but ALSO clearing my name with the IRS?
please help.
Unfortunately, we don't handle IRS issues.
Great advice thanks
Can you please help me
1. Should I first send a letter to the credit bureau to investigate my report?
2, or should I sent a dispute letter to the collection agency
Thanks 🙏🏾
You can do both at the same time.
I find conflicting info online. Some say even requesting verification may restart a written-off debt. Some say don't do anything. Others say doing nothing will restart the debt. Is alleged debt a good term to use? Thank you.
Most of the information online is garbage.
What state are you in?
Do you deal with Hayt, Hayt, and Landau?
Yes.
I spoke with a lawyer today and he advised me to make a settlement to the junk debit collector.
Call a better lawyer.
What about the state of California ? There are new laws in place in regards to debt verification and licensure
That would be a great question to ask a California lawyer. Unfortunately, we don't have a license to practice there or give advice on California law.
Does verifying the debt have a negative mark on your credit score?
No.
Can you do a video on cease and desist letters
It's on my to-do list!
Give me three or four questions you'd like me to answer in that video.
Can you recommend an consumer debt attorney in northern California....being sued by a junk debt buyer. Thanks
In California, call Mike Cardoza: www.cardozalawcorp.com/
Is reporting alleged unverified to the consumer reporting agencies considered“collection activity?”
Under some circumstances, it could be.
@@RWlawFL I’m in Pennsylvania could I give you a call?
There’s not much we can tell you because we’re only licensed in Florida.
@@RWlawFL ok I understand thank you anyways because I am still learning a lot with the content you put out
Glad we could help!
i wish someone new what skip cannot locate means from debt collector
Where are you seeing this? That would mostly mean they're trying to find a person but the "skip trace" (private detective) can't find them.
I asked for debt validation packet and they sent me a judgment from another law firm, dated 3 years ago but was charged off. Now this new firm is trying to take my tax refund. I’m on SSDI. What should I do? Thank you
> Now this new firm is trying to take my tax refund. I’m on SSDI.
How are they trying to take your tax refund? Usually only government agencies can do that.
It’s for my state taxes in Michigan. It’s for an old credit card debt. In 2019 they attempted to seize my car but at the time my car was 16 years old and the tow guy called me (while I was in ICU) and said he wasn’t going to seize it. After that it was charged off. Fast forward to 2022 and I received notification from the state of Michigan my state refund was going to the debt collector. Not sure what I can do since I’m on SSDI. Help please!
We've never sen that here in Florida. You almost certainly need to speak to a Michigan lawyer who defends debt collection. I don't have anyone like that on my list right now.
I love watching your videos and learned alot. I love to see a video or videos on The right of recission
More to come!
Rescission mostly applies only to mortgage refinances and certain other contracts depending on state law.
Here's a CFPB article about it:
www.consumerfinance.gov/ask-cfpb/how-long-do-i-have-to-rescind-when-does-the-right-of-rescission-start-en-187/
I attempted telephone call, but no one answered.
You might have gotten our voice mail because we've gotten so many phone calls lately. Try this instead: ricardolaw.com/contact/
But what do you do if the verification that they send is still wrong? I have a debt collector who will only send me an account statement from my previous apartments but the charges are not correct and I told them I needed a itemization of the individual charges and they haven't sent that what should I do I'm in NC.
We don't practice in NC but if the "verification" includes false statements that overstate the charges the debt collectors may be violating federal law.
Landlord/tenant cases can be very tough and you should speak to a lawyer in NC who handles that type of case.
@@RWlawFL ok thanks for responding 🙂
Glad to help!
So if LVNV sends you back your credit card statement showing the amount I owe does that mean I cant take any further action?
Not true at all. Check out this video: ua-cam.com/video/4gdqv7aaRs8/v-deo.html
Hello, I would like to know do you respond to a 30day dept collection letter? Does responding help or hurt?
Check out our "Debt Validation: New Rules" video
Hi, I sent the validation letter to the collection agency, on the validation i requested proof of the original contract or agreement bearing my signature but they did not send me what i asked for. I can tell that the collection agency do not have any contract or agreement signed by me. The collection agency is telling me that i need to sign the validation letter with my signature on it. DO I NEED TO SIGN THE VALIDATION LETTER? What laws under the FDCPA state that the validation letter must be sign?
Can you please give me your advice on what to respond to the collection agency on this situation.
They don’t have to give you a signed document. We’ve done several videos on debt validation and I recommend you watch each of them to get a complete answer to all these questions.
Really enoy the videos. Question: Can you request the collection company tell you the name of the person that validated the debt and what method they used?
You can ask for anything you want.
You just can't force them to give it to you in most cases unless they want to.
Is it possible to settle debt and negotiate to pay absolutely little than original debt? I owe grands for several debt collectors but I could probably pay off $200 for each collectors to get them off my back
It never hurts to try. You can always negotiate.
I believe when you deal with the law, you have to use a black law's dictionary and it will give you the difference between the word's, so that is the best way to dress a complaint.
Black's is a good start. Always know the legal meaning of the words in your court papers.
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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
rwlaw.mykajabi.com/crush
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/
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I enjoyed watching your videos all the time,there's a question i like to ask,
If two people lives at the same address with the same name different date of birth,different social security number and one decide to stop paying his credit card and leave the country forever, what will happen to the other one with the same name?
What *should* happen is nothing, if the person who stays was never on the account.
It is possible that the creditor may confuse the two people, and pursue the wrong person for the debt. That could require a lawyer to sort out.
Well after reading the actual wording in the law, I guess there is no difference.
You got it!
Validate is to prove how , verification to prove who?
Now that you’ve watched the video all the way through, did you change your mind?
@@RWlawFL 100 percent, I'm waiting on the credit bureaus to update my information I sent certified a few days ago, if I called and tried to settle years ago and disputed online can I still send a letter of validation for my medical bills?
See my reply to your other comment about medical records.
@@RWlawFL seen it
@@RWlawFL I tried calling about some other collection a few years ago
Let's see what did I learn.....😅😢
I learned that the answer to my lawsuit for supposed credit card debt was weak at best and that I'm in over my head. Unfortunately I have no funds for legal counsel and will just have to ride the storm that is coming. 😂😂😢
The trick to Portfolio (you mentioned them in your other comment) is finding out how they broke the la in your case-if they did, most lawyers won't charge you anything up front to help you. They'll get paid by the other side.
I chose the right answer in the questionnaire
There is no difference
You've been paying attention to me and to John!
@@RWlawFL
I most certainly have
Thanks for putting out great content
It's our pleasure! (Really, I have fun doing these, if you couldn't tell)
This is why you need a blacks law dictionary
Black’s is great but it won’t tell you how the courts have applied specific terms in a specific law. You need the court opinions, too.
Verification is proving a debt is owed
Validation is proving a specific person is responsible for the said debt
Did you change your mind about this after watching the video all the way through?
Who first told you it was this way?
Portfolio won't leave me alone 😒
Do you want to know how to stop them?
First step, tell me whether they are calling you on the phone, writing you letters, or communicating with you in some other way.
@@RWlawFL both calling and mail and reporting old debt.. I definitely want to stop them.
You can send them a cease and desist letter in writing demanding they stop contacting you. That should stop it.
If they are reporting “old debt“ on your credit report, you have a right to demand that anything more than seven years old be deleted from your credit report. You send that letter to the credit bureau directly.
What if it's not yet seven years old?
Have you watched any of our videos about credit reporting? They talk about some of the things you can do.