THIS IS A K I C K - A S S V I D E O ! ! ! Thank You!!!
@HitmanCreditSolutions
2 жыл бұрын
Thanks for your feedback. It made my night!
@pacland32
Жыл бұрын
@@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
Жыл бұрын
@@HitmanCreditSolutions Please what your email address because your website is not popping up.
@InHisService772
Жыл бұрын
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
8 ай бұрын
Should be illegal, (I'm sure it is) but the courts/lawyers are all in on it. $$$$$$$
@freed6164
6 ай бұрын
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
5 ай бұрын
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.
@robinsonfamily222
10 күн бұрын
This is the best video I've found to answer how to respond when the debt is "validated". Thank you
@wadeawilliams
10 күн бұрын
Thank you. It is 4 years old. Unfortunately, It is still true.
@kellyherbeck3618
3 жыл бұрын
I always thank them for paying off my debt. They can no longer report it as a valid debt
@dragon202006
2 жыл бұрын
What do you mean?
@dr.jones.3832
2 жыл бұрын
How is that working so far?
@PhantomXVoice
Жыл бұрын
I'm confused lol. Can you explain that?
@freed6164
6 ай бұрын
Yes I did this on the phone and the collector did not know what to say it was fun!
@grimthreeper4112
3 ай бұрын
They not only can but WILL
@lucine2295
Жыл бұрын
Here is the key...ask them to produce the original wet ink signature contract they dont have it...and Never produce it
@skip123davis
Жыл бұрын
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
10 ай бұрын
How did it go!?
@LunaBobbi
10 ай бұрын
How did it go?
@customconnections2425
7 ай бұрын
🦗🦗🦗
@freed6164
6 ай бұрын
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!
@MrFrugalFrank
4 ай бұрын
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..
@theoteslaa
Жыл бұрын
Pretty sure this video got my case dismissed, thank you much!
@coffee3490
5 ай бұрын
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
@sarahlockwood8133
2 жыл бұрын
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
Жыл бұрын
Hi how can I enforce what you did by charging them $225 per answer? Is it a law I state?
@Liam__G
Жыл бұрын
It's possible to avoid service of the suit, therefore they can't continue with the process/suit. So no judgment either.
@user-gc6ul8bf6d
3 ай бұрын
I need a dispute letter today
@wadeawilliams
3 ай бұрын
Just send a letter telling them you dispute the debt. It doesn't need to be more than that. Have your name and account number on it. Send it certified. Keep a copy.
@SamplingPercussion
9 ай бұрын
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.
@LevineDavine
Ай бұрын
Why does it sound like you have land line just casually off the hook in the background 😂
@wadeawilliams
Ай бұрын
I just got rid of my landline in the last month or so. Funny. Hope the video was of value to you.
@calliopivogiatzis2235
Жыл бұрын
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
@farmer8102
Жыл бұрын
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.
@nowandthenlanpat2925
2 жыл бұрын
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
10 ай бұрын
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
5 ай бұрын
@@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.
@inklabdesigns
5 ай бұрын
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.
@HalfManxHalfAmazing
3 жыл бұрын
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
3 жыл бұрын
Send them a dispute letter and be aggressive. They hate people that are aggressive. They win when they are the alpha.
@tomashill8520
Жыл бұрын
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?
@bennyfromda-bronx6343
Жыл бұрын
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
Жыл бұрын
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
@marksonsamo6019
2 жыл бұрын
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.
@4050322
3 жыл бұрын
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.
@InformationalThoughts
2 жыл бұрын
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
2 жыл бұрын
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.
@333chamaeleon6
Жыл бұрын
Bad ass brother. Thank you.
@wadeawilliams
Жыл бұрын
Thanks for the feedback!
@ChelyLasVegas
Ай бұрын
What kinda letter to send the Debt Collector when it passed the Legal statute of limitations? Thanks
@goober698
Жыл бұрын
That has been written off and I don’t owe the collection agency crap
@123dogone
2 ай бұрын
i have a couple credit card companies trying to sue me in court, what are the basic questons i need to ask
@audreymay9378
2 жыл бұрын
Protect what’s yours and don’t let the debt collectors rip you off
@rogerk3304
4 ай бұрын
Who is ripping who off?
@jr4062
4 ай бұрын
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?
@tendajiakili7136
2 жыл бұрын
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
2 жыл бұрын
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
Жыл бұрын
@@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
Жыл бұрын
@@HitmanCreditSolutions Are U still Around?
@sonianerat5849
8 ай бұрын
What if on one of the papers they sent back says that the debt was sold to the debt collector?
@SteveLohbeck
2 жыл бұрын
i need a hitman
@MsJazzy49
3 жыл бұрын
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
3 жыл бұрын
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
2 жыл бұрын
@@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.
@irmamoralesrealty101
Жыл бұрын
This is awesome, thanks for the video!
@wadeawilliams
Жыл бұрын
Hope it helps!
@davidclark3603
3 жыл бұрын
You're absolutely right!
@evemito
4 жыл бұрын
Thanks so much for this. You're so great and helpful.
@HitmanCreditSolutions
4 жыл бұрын
Thanks for the feedback!
@Iamdathinkerevolve
Жыл бұрын
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
@freed6164
6 ай бұрын
Wow genius!!!! Thank you so much!!!
@mocohen5492
Жыл бұрын
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
Жыл бұрын
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.
@ga3829
2 жыл бұрын
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?
@homeschoolingmommaDanitza2014
2 жыл бұрын
This is FIRE!
@AngryAmperage
2 жыл бұрын
This is the simplest explanation yet. I sure as hell don’t own the collection agency anything. I don’t know who the hell they are. Thank you!
@ravioso13
2 ай бұрын
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
2 ай бұрын
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
2 ай бұрын
I'm in Colorado, too. It doesn't matter where you are with federal law. Anywhere in the US is the same.
@destincasimiro6984
Жыл бұрын
Thank you for the video it was insightful...
@eileenlastra6087
2 жыл бұрын
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
2 жыл бұрын
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.
@jeffreyloradiaz2466
Жыл бұрын
Thanks, this video really helped me a lot !!
@admin6228
Жыл бұрын
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?
@HollyMusic72
9 күн бұрын
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.
@TRSmith-ts7id
2 жыл бұрын
Thank you for this information.
@dr.jones.3832
2 жыл бұрын
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
2 жыл бұрын
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
2 жыл бұрын
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
2 жыл бұрын
@@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
2 жыл бұрын
@@wadeawilliams thank you
@pattielaine2931
2 жыл бұрын
Thank you so much Sir, May God continue to bless you.
@v1-vr-rotatev2-vy_vx31
Жыл бұрын
Actually sued MCM and another. Won both cases and they had to clean off my credit as per settlement.
@Lisa-ed4qe
5 ай бұрын
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
5 ай бұрын
@@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
5 ай бұрын
@@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
5 ай бұрын
@@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
5 ай бұрын
@@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
@MrJoshuat72
2 жыл бұрын
Great Stuff Hitman!!!
@moiseslerma3695
4 жыл бұрын
thank u sir 4 ur knowledge
@mcbaby1520
Жыл бұрын
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
Жыл бұрын
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
Жыл бұрын
@@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
Жыл бұрын
@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!
@SpontaniuzProductions2
Ай бұрын
That’s some some advice 💳💯
@eurrainajones844
3 жыл бұрын
Thank you so much for your video it is a big help.
@beeha8133
3 жыл бұрын
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?
@HitmanCreditSolutions
3 жыл бұрын
No.
@pam2sweet318
2 жыл бұрын
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
@neurospizz75
3 жыл бұрын
Wht do you do if you are judgement proof? I only get social security
@HitmanCreditSolutions
3 жыл бұрын
Watch something more entertaining than my videos...😀
@neurospizz75
3 жыл бұрын
@@HitmanCreditSolutions thanks
@ambrielldunlap4233
Жыл бұрын
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!
@HermesGirl
Жыл бұрын
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?
@mikemartino3422
3 жыл бұрын
Thank for the advice
@alecmakgoale2517
Жыл бұрын
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
@taniacancel7350
3 жыл бұрын
Awesome information million thanks! Please correct me if I’m wrong once I review my credit report and notice any collections I reach out first the credit agency asking them to provide the original contact or if they send me a letter I owe them with no signatures, then I submit these paper work to the credit bureaus and ask them to please remove this collection from my report since I do owe this credit agency. Am I understanding the procedure? I have seen so many video that are getting confused, but your video has been shorter but straight to the point. One last question can use a PO Box as my address or an actual address is required for both credit bureaus and agency?
@nailarae3633
3 жыл бұрын
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
3 жыл бұрын
Nice!
@nailarae3633
3 жыл бұрын
@@HitmanCreditSolutions Whats my next step
@HitmanCreditSolutions
3 жыл бұрын
@@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.
@masoodfaizi9031
Жыл бұрын
I used to work for a company almost 4 years ago or more. I had to quite my job and leave for a family emergency outside the United States, i did disused the emergency and let my supervisor/team leader know that i was going to leave and wouldn't be able to come back to job as i should have. The company/my former employer kept sending me my salary for some weeks when i was gone. i thought that was a bonus or maybe they might have counted my PTO. Since i was gone i wasn't able to contact my former employer, when i came back i talked about it with my supervisor and he didn't know the reason why they kept sending me my salary after i was gone. I received my W2 that year and filled taxes. After almost 1 year, i received an email (from outside America) telling me to refund that amount (about 6 thousand dollars) . I did not reply back to the email. and then I moved to a different address, Now after a long time, i visited my old address for something else, and the management office had a letter for me that was sent to my old address. It is from a debt collector showing a crazy amount (About 10500$) The debt collection letter says i owe 65000$ plus the additional/interest amount of 3200$ that totals 10K+, the letters says we will use any information you gave us to collect this debt, call or write to us by Jan 28 2023 . Now my question is, can they legally do anything about it? would they keep increasing the amount and will I be held liable for that? should i contact the debt collector or file a dispute? or just ignore it because it was sent to my old address, also it is not a debt, it is a mistake that the employer made and i paid taxes on that, which i cannot undo because it was showing as my salary even months later. Please help! thank you
@wadeawilliams
Жыл бұрын
Check your credit report. If they are on there you have some decisions to make. You can dispute it with the credit bureau. If the debt is 4 years old, it really isn't killing your score, but it does have a negative impact. If they are not on your credit report and don't have your current address, they are going to have a tough time serving you a lawsuit. They haven't put any effort into skip-tracing you. They are being lazy. There is no right answer, but the first thing to do is look and see if they are on your credit report.
@masoodfaizi9031
Жыл бұрын
@@wadeawilliams Thank you for the reply. No, they haven't reported that on my credit.
@wadeawilliams
Жыл бұрын
@@masoodfaizi9031 not sure they will ever do anything about it.
@jkruse08
2 жыл бұрын
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
2 жыл бұрын
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.
@dianajimenez4358
3 жыл бұрын
Thank you for the video! Is there a template you could share with us to make it look professional? Thank you in advance!
@HitmanCreditSolutions
3 жыл бұрын
You can email me and I will send you out anything I have. I am that way! my first name @ hitmancredit.com
@eddienavarro8115
3 жыл бұрын
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
3 жыл бұрын
@@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
3 жыл бұрын
@@eddienavarro8115 also I got this from a video that explains everything except for its regarding medical bill but maybe on her KZitem channel she has something about cell service 🤷♀️ • LifeWithMC that's the ladies channel
@el.tacolgando
3 жыл бұрын
@@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
@adamcalafut3535
3 жыл бұрын
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
3 жыл бұрын
They may go radio silent. Are they on your credit reports?
@adamcalafut3535
3 жыл бұрын
@@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
3 жыл бұрын
@@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
3 жыл бұрын
@@HitmanCreditSolutions Thank you for your time and replying.
@theopiluslowe2213
3 жыл бұрын
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
3 жыл бұрын
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.
@cynthiamitchell4472
Жыл бұрын
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
@alexismarshall8227
3 жыл бұрын
Thank you for this information. Is there anything that I can add to the response letter when they responded after the requested 30 days?
@HitmanCreditSolutions
3 жыл бұрын
No. Did they really respond? Usually, they wont even send you anything other than unsigned papers. Think about unsigned papers. They are not proof. No person has validated your account.
@alexismarshall8227
3 жыл бұрын
@@HitmanCreditSolutions Right. They just sent copies of the past due statements. I’ll respond back with the info from your video. Thank you!
@chanelchanel3228
2 жыл бұрын
Also if the collection agency is in my area can I just take the letter to them directly?
@wadeawilliams
2 жыл бұрын
I wouldn't. You make a gap in the paper trail. Have the delivery confirmation from the post office is amazingly powerful.
@lourdessantiago8195
3 жыл бұрын
This is very helpful my situation is that I’ve been disputing a bill that isn’t mine. Someone stole my identity so now I’m still getting this pre collection and I have until tomorrow to resolve. I dispute this too
@Dying_Breed.300
2 жыл бұрын
What about medical bill that went into collections is there a ez to get it removed
@joyceroach9451
3 жыл бұрын
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
3 жыл бұрын
Did you find out what to do,? Im expecting a response in the mail to my debt validation letter today
@camillie1008
2 жыл бұрын
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
2 жыл бұрын
Send a simple debt validation letter.
@Softball2468lover
Жыл бұрын
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
@deboral6989
6 ай бұрын
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
3 ай бұрын
hey how did this go for you i have hospital bill collection as well
@lourdessantiago8195
3 жыл бұрын
Thank you 🙏🏽
@HitmanCreditSolutions
3 жыл бұрын
You bet!
@diverse-treasures
3 ай бұрын
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?
@j.a.3138
3 жыл бұрын
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
3 жыл бұрын
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
3 жыл бұрын
@@HitmanCreditSolutions Thanks! Will send them a letter tomorrow
@truman8527
3 жыл бұрын
@@j.a.3138 keep us posted on what their reply is please! I’m having a similar issue with them as well.
@mcbaby1520
Жыл бұрын
@@j.a.3138 Any updates.?
@Goalrushmedia
Жыл бұрын
Hello, i had some ambulance debt collection, they sent me back a statement with the original company letterhead...what should i do?
@wadeawilliams
Жыл бұрын
I can make a letterhead. I would send the collector a dispute letter.
@brandonhenley3647
3 жыл бұрын
What if I don't have a debt on my credit report? Meaning I have no evidence on my credit that I'm in debt for the amount that is said I owe?
@ebonyholsey5411
2 жыл бұрын
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
2 ай бұрын
I’m going through this now, did you ever get it resolved 😫
@ebonyholsey5411
2 ай бұрын
@@DeAndreDorsey-dn4qo no!
@KingDrewPhilip
2 жыл бұрын
I leased a car from Uber and then Uber sold their contracts to a company called Fair, another leasing company. Always paid on time. Now they’re saying I owe 4200 but here’s the kicker. The original creditor is gone. Xhange leasing went under in 2018. Their contract didn’t say anything about early termination of leases and penalties for it. If the company that took over changed the contract rules without telling anyone, isn’t this a big no no? It’s like they were charging us for extra stuff that wasn’t in the original contract. As for Xchange leasing documents ? They might be gone forever as they went under in 2018. So maybe this debt is an error when the company sold their portfolio to another. It’s a real mess.
@wadeawilliams
2 жыл бұрын
This seems like less of a debt collection issue and more of a contract law issue. You may be able to find a lawyer to fight this for you without cost to you. I hate lawyers, so this would be tough for me.
@lucine2295
Жыл бұрын
Anon that is called fraud
@liberated_andblack959
3 жыл бұрын
Looking at my credit report that I bought. I seen the debt collector has different "date opened" is that a way that I can dispute the error? Private loan collectors are tough.
@HitmanCreditSolutions
3 жыл бұрын
Absolutely dispute it. Their logic is probably that the collector's account and the original account are two different accounts. I would dispute both.
@user-sh4tn7iv9f
2 жыл бұрын
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?
@drivemuscle
3 жыл бұрын
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
@LaserFocused
3 жыл бұрын
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
3 жыл бұрын
What Laser Focused said!
@ReelLife97
3 жыл бұрын
@@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?
@LaserFocused
3 жыл бұрын
@@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
3 жыл бұрын
@@LaserFocused 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!
@MadmoneyJero
3 жыл бұрын
First I want to thank you for helping ordinary folks like me. I recently sent a validation letter to a collection agency on my credit report and they responded with unverified pieces of papers which shows no signatures, wrong amount and wrong creditor from what I requested. Fist, do I request they delete the account which I initially requested validation on? Or do I demand validation for a second time?. It's like they attempted to validate an account I have never seen before but not the account I requested validation on. How do I approach this one. I'm like you, I will go the length to prove these thieves wrong. I have defended myself in a court before and worn.
@HitmanCreditSolutions
3 жыл бұрын
Reply that they were not responsive to your original demands. If they don't then go away, send them a notice of intent to sue. Email me if you end up needing that letter.
@bkmarine1
2 жыл бұрын
With that information that you sent or rather received back, can't you also send that information to the three credit bureaus and ask for them to delete information from your report?
@orangindonesiatinggaldiame6420
2 жыл бұрын
@@HitmanCreditSolutions how to contact you
@teresitacerrillo2230
7 ай бұрын
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
@243monpaysheart-gachette-f5
3 жыл бұрын
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
3 жыл бұрын
Send a debt dispute letter. That will maintain your rights and perhaps scare them off.
@jessemarkham1164
5 ай бұрын
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?
@whitwhitofair9046
3 жыл бұрын
What if the debt collector sends you and old CC statement and a summary report stating they are the current owner??
@HitmanCreditSolutions
3 жыл бұрын
Is the debt collector on the statement? No? Then how are they a party to the debt?
@freed6164
6 ай бұрын
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?
@TashaudBullock
3 жыл бұрын
What do you do when the collector Send you back A statement. No contracts no sign contracts. Just a statement of charges and payments. With my name and how much I supposedly own them?
@HitmanCreditSolutions
3 жыл бұрын
Tell them they weren't responsive to your demands. What they sent you was a piece of paper, you asked for legal verification. Tell them what they sent you was hearsay, at best. I always refer to it as the piece of paper. Just to be a smarta$$. But it really is just a picee of paper until *you* admit otherwise or they have a witness.
@Evelynnng1
Жыл бұрын
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
Жыл бұрын
$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
Жыл бұрын
@@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
Жыл бұрын
@@Evelynnng1 is it on your credit reports?
@Evelynnng1
Жыл бұрын
@@wadeawilliams No I haven’t seen anything yet.
@wadeawilliams
Жыл бұрын
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.
@adriennemilledge1085
3 жыл бұрын
This was the first time I was able to remove a collections account WITHOUT being able to do the pay for delete method. This is my question, I know that I owe this it really not much so I don’t have a problem paying it but do I need to pay the original company so it doesn’t get sold to a different collections company ?
@LaserFocused
3 жыл бұрын
A lot of times the original creditor won't take payment after they write off the debt. It is worth a phone call. I would also send the collector a debt validation letter ASAP.
@HitmanCreditSolutions
3 жыл бұрын
What laser focused just said is the right answer.
@adriennemilledge1085
3 жыл бұрын
@@HitmanCreditSolutions I don’t know if my response is confusing but I already sent my verification later and disrupted it the collections company already removed it what I’m asking is do I need to worry about the debt being resold and it being back on my credit
@HitmanCreditSolutions
3 жыл бұрын
@@adriennemilledge1085 You never know what will happen. The collectors will do what optimizes their return on their investment with no regard for ethics or law. If it happens, you start over, unfortunately. That is why I sue them. That is the only sure way to win.
Пікірлер: 523