NEVER EVER PAY COLLECTIONS PART 3
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- เผยแพร่เมื่อ 6 ก.พ. 2025
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I am credit repair company owner and fallow this guy. True information!
Ray,please excuse my long comment,I just had ta tell You cause it brought back so many memories.Thank You so so much ! ✊
Thank you for your service for our country and also thank you for your service now in helping all of us out here!!! 😊
Man!!! I gotta say a BIG THANK YOU to you guys.Paid cash my whole life and these leeches are busting my balls. Been out of country for years at a time and returned home only to find I now own my many ex-wives debt. You are the MAN!!! Semper Fi brother!!! Binge watching!
My Favorite credit Guy! Thank you ❤️❤️
When your debt is sold to a collection agency they lose all of your contractual information, they don't know if you are the real person they're looking for. Always deny never tell them who you are or give them your address or any other information.I disputed 13 collections on Credit Karma for my TransUnion account and they are all gone. I did them all online I didn't have to mail them. You never exhaust your rights buy filing. If that don't work you always have the four letters to send by mail. But saying that it doesn't work is wrong
JIMI JAMS When you disputed the creditors what did you use for the reason?
JIMI JAMS credit karma will not allow me to dispute here is a copy and paste.
It looks like we're unable to submit your request online. But you can still make a dispute request with TransUnion by mailing them this form or by calling them at 1-800-916-8800. There is no form either.
PullYourselfTogether it could be just temporarily down or you can try to download the app. that's where I file my disputes. I got 13 delinquencies off my credit report and never mailed TransUnion one letter. And surprisingly Equifax and Experian we'll take the same debt off of their report if TransUnion deletes it. That doesn't apply to every single that were collection but for most. I had 11 delinquencies on my Equifax and 6 of them fell off just because TransUnion deleted them.
Carl Radulski
Thats the answer we looking for, because I had done these disputes online and never works...
James Dutton Jr delinquencies removes? Do you mean late payments? On one account or several. I didn’t know if you meant charge offs. Did you Dispute saying they weren’t yours , I was never late or what specifically. I’m on the middle of my mess just needed a little help thanks
I just found your channel and I love it. Can you talk about medical bills and how to dispute or remove them.
I ran into your Videos! For once in my life did I receive excellent information from you! I want to say Thank you so much! I am going to give out your information to my family & friends! Please Consider writing a Credit Repair Manual! I pray that God Bless you for helping us, the ones who could least expect to be Stressed out!
"Keekping it real with credit" says it all Jay, thanks for posting.
thank you so much for all these videos u have no idea how much u have helped me
Best advice when answering the phone and they ask whom you are.... tell them, it depends on who's calling.
I am working on my credit, and I used your advice, thanks, my score has already gone up 25 points. I just started watching your videos, they are so informative, thanks!!
I love you !!😊!
Thanks for the update!! Am a little old lady with CA, and am being harassed by a collection agency...
Thank you for a very important information about credit scores
Thanks for these educational videos. Now I want to take control of my credit.
Damn i'm glad i found this channel! I went through the same thing! Eventhough i paid. Now my credit is fucked!
Wow I just learned more from this awesome video. Im going over many earlier videos I didn’t see before I became a subscriber. Thanks .
Thanks guys, excellent information. 😀
Yes thanks for helping I learned something many blessing to u for helping others like me!
So I have no debt collector calls but i found out that i had collections because they denied me when applying for a credit card ...I checked my credit score and shows no delinquency however my credit report shows otherwise ???? I'm confused
Hey ray, I appreciate you coming on hear and sharing your experience. Keep on brother, Yut!
Thank You for all your amazing information !
Thank you so much for your service. In every way!
If companies sell your debt for pennies on the dollar why don't they do that for you instead of selling it to a collection agency.
Matilde Zelaya,
This is a great question.
Then again; some people would screw over companies this way by taking the goods or services with the intention of paying for only pennies.
bcus then they won't be able to punish you on your credit report, somehow it makes them feel good
I messed up and called them to discuss a settlement. Boom on my credit for another 5 years and it was just about to fall off
Thank u for this...so helpful. 🤗
Hey sir my name is Ruth Garza I think I figured out why they took advantage of you when it comes to debt collectors that you just noticed see you are a veteran was in the army and served they had to turn around and got some information it looked into your history of being a a person that is there are cunning and sneaky like that's why they might have went after youbecause they were looking for a person that does hurt. Country p so basically they took advantage but deep down inside I am so glad to hear that you sue the pants off of them I'm glad that you won the case as soon as you got your money back 👍😁 good for you 👍 it is about time somebody went up to the debt collector and tell him to go blow I'm always saying this to you because I have a situation I owe a debt I am way over the $2,000 mark that means creditors my husband only owes the $800 mark how we know this in one 1999 and that year we have gotten married they turn around and said his credit cards apply for a credit because I never applied one before because of my stupidity I went and got one knowing that I was on a government check a social security check that I get every month SSIthey give me SSI and social security check because I am mentally challenged that means retarded my husband is a SSI check also but this way before he got his his retirement because he worked also wait before I met him in the back of the back in the 50s so we apply for we apply for the credit cards I want over way too much so we had a problem went and got kicked out in the street we could not pay the because we lived in the streets for 7 years and that. Of time we were trying to get side jobs to pay it as soon as that we were doing good my husband was real close to paying off his but something happened I gotten some has to go to court for Target 😒 o Charlie's Somers me to go to court that was the one was way over the $2,000 it all the old credit cards on top of bottarga was only one is Sue me at so what happened was I went and try to file for child file for bankruptcy when I went to court the judge looked at a thing and guess what he said this is the part you might the judge said wow look at this symbol look at this sticker is a sticker I'm just saying it he said look at this he said I don't even get this in my courtroom it might have been a good rookie that he does not get this type of symbol from the knighted states of America so he is so he showed it to the man that was trying to go after me for Target the he wanted a copy of that so we gave him the copy of that and at that time the judge and said the judge said the case is closed and she could not fall know she could file for
At this time I have cancer I still live in we had a place in 2010 because I got but later on we got stuck back in the streets
Bless you. Love your channel.
I talked to alot of "Playaz" that have been through alot this.I was told "Don't worry about those people,they're just tryin' ta scare You" Do You Really Think They Can Make You Pay Them ? If You don't have the $ ta pay them,they can't force you to pay" After I got to know how those collecters work I felt better.They called me a couple days after and I picked up.They sounded commanding and also tried ta scare me again and just for doing that I "lashed" out at them "F*** YO DON'T CALL HERE AND TRY TA SCARE ME YOU STUPID F***.Then the next day they called again,I just messed with them.They asked Hi is so n so there ? I played along "Olah,EEEY que pasa ese Are You Ready Ta "Kick It" Wit Tha Vatos ? After all that I continued messin' with them.I'm a Filipino aka 'Flip" those bastards got tired of calling. 🤣🤣🤣
i learn alot from your channel.... i have a question... if paying a debt collector off does not help your credit.... how do you build your credit back up
You can always call a debt collector that you've paid off after the fact and ask to have the derogatory remark removed. It's best to do before you agree to anything because they can always say no but most of them will remove it after you've paid upon request.
You can ask them but it’s against the credit bureaus for them to do that and they could lose their contract what you could do is do a self lender loan and a secured credit card even if you have someone that’s will add u as a authorized user but I would only do that if I know for a fact they pay their bills on time
Good luck 👍🏾
I got hit by collections on a cox cable bill. I had turned in my equipment personally but they billed me so they say by email. Is that legal to bill you by email? I didn’t know I had a bill because when turning in equipment I asked what my bill was and they said I was paid up. Now I have 163.00 bill. Collections calling me everyday to pay it. I don’t feel I owe it. But it’s giving me only negative report besides a few medical collections.
Great Stuff, Do you guys have a video on Eliminating Judgements against you? Mine were issued in 2011 I had an accident at work and don't remember much of my past debts. I am still getting letters from Collection agencies as of today asking for crazy money, but I never made a deal any collecting agency. They tried to garnish my bank account one time, but I made sure I told them that money in my account was Social Security Money and were Medicare funds I needed to keep incase Medicare Comes for it. They Eventually withdrew from garnishing my bank account. One week later I end up getting my money released from the bank.
So I would like to know how to remove judgements as i hear they can take up to 20 years to go away in NYC.
My bf got scared and paid a bill over the phone for his ex wife from 2008. It was 600.00 he paid and received no receipt. But he got so scared because they told him they was taking him to court. I seen your video the day he did that.
These guys are great, keep it real.
Thank you.
What about when an insurance company is responsible for the debt?
Statue of limitations in GA is 4 yrs, I’m about dispute everything around that time
Despute it now. I just removed 17 items from my report. Sent certified mail. Sent a debt validation letter and collector ignored me.i am now suing them my self. Keep records and go after the collector 2 x harder than they do you and they will remove it.
Ty Lioness i thought it was 7?
@@barryspurlock3048 how do you despute? And congrats 👏... 17 items, wow you're good.
Check Brandon weaver's channel out on TH-cam. I learned from him.
@@barryspurlock3048 Thank you so much for replying and for sharing!!
Dan, You help Vegas residents? Thanks Ray for your videos. I'm sure you help savr people from having heart a attack.
@@KeepingItRealWithCredit pls i nned your help so desperately.....oh god pls help me. @andrew
I had one that was pretending to call.from the court house..lol
Great video thank you ...why do you cut your videos off like that at the end tbough!?
What date does the statue of limitations date start from? The original creditor or the debt collector date first reported?
So that they tousley we had to leave we did and he said that the case is closed
Is there a particular "form" regarding sending in a "Dispute" letter or do you just make it up yourself & send it in? OH, never mind! LOL I am looking at a video on the side-bar of you tube from you that talks about how to write a Dispute letter! THANKS!
Thank you so much u r a blessing
But I feel the statue of I think the statue of limitation is up it's been way over 5
So the day so below me to file for bankruptcy we had had to go to a place that we had to take steps we went to the FBI where everybody goes to meet them about the collection and the papers the FBI said at that time they said that all the paperwork was not this all the paperwork was not filed right and was not so the FBI told us that we had to leave they could not help us at all
Quick question. I’ve been afraid to answer my phone but I was getting calls 2-3 times a day and they were all coming from a different number. At night I called these numbers from another phone and they all answered with a recording stating “you’ve reached Portfolio Recovery”. I’m concerned this may be a scam since I collected 17 numbers in less than a week. Another reason is because I was notified by Capitol One and Experian that my information was hacked.
I’d like to thank you for your information videos. You’ve helped me out a lot as now I know what to say to respond to calls.
Another question. You stated to dispute the charge hen they call and do not confirm who you are. How is that possible if they call and you state you will not confirm anything so they hang up and keep calling because they won’t talk to you since you haven’t confirmed to them you are the correct person. Since debt collectors cannot speak with anyone else other than your spouse, wouldn’t this open up a catch 22? If you don’t confirm your name then they can hang up without giving you the opportunity to request debt validation. Wouldn’t it be easier to state it is you but when they state the reason you can then tell them send me the debt validation and I can review it to see if you have the correct person.
What if it's an unknown number calling, and they don't leave a message, but have called a family member looking for you, and have mailed a letter saying you have 30 days to dispute the validity of the debt in writing and if not, they will assume the debt as valid? They did have the original creditor's name on there and the last 4 digits of the account number. What do I do next?
So later on in life thelater on down the line the debt collector started calling and writing letters to us but some of them completely stopped on my husband's side bother us or not you want to get to get involved in this situation
bro...you have a lot a woman following you dam bro but iam from the bronx and I need your help bro.. I'll keep watching you on you tube bro thank for your Service thanks again
I received a summons from the debt I may or may not have had in another state. I say "may or may not because I honestly I don't remember. Anywho, I received a summons last year but I never did about it because I honestly didn't remember. After watching this video I noticed this particular company is not on my credit report. Should I be concerned? Considering they never followed up with another letter and it's not on my credit report? I know collections fall off your credit after 7 years-so maybe that's the reason I don't see it. However, I do find it odd.
So what do ppl do that has a low credit score and wants to build it and can’t get approved for a credit card
Hello I was just served from a dept collector. They did not hand it to me personally they hung it on my door knob and my daughter got it from the door. When I got the paper the date of when it was delivered is missing the year it only showed the month and day and the sever forgot to put the year. So they say I have 14 days from the day delivered to send my answer but there is no year. Can I used this against them what is the smart play here?
the last part is not necessarily correct, I worked and studied in the medical field. under HIPAA laws, if the debt is sent to a collections agency, it's usually a medical insurance company looking to recoup a "loss". anything else is illegal. for instance, say a medical center sold a debt to a collections agency that also buys debt from T-Mobile. it's probably, most likely, some random office in a building in Pennsylvania, or running out of a residence. If that place were to get burgled or ransacked, your medical records are now compromised and exposed. the debt collectors for medical expenses would need to be verified as a reputable insurer, and you have every right to ask them to verify their authenticity.
Hi I haven't heard this being mentioned on your videos but I just found out that once you do the dispute and it gets taken off your credit report that collection agency can sell your debt to a different collection agency and then the whole process starts over again how true is this
They turn around andthey turn around and back to off but in my situation they call me once in a blue moon but I have to change my number
A loan from 2016 was sold in July 2017. I don't remember this debt but it has my name on it but an old address. What should I do?
Hi Susi, we understand your concern about the loan from 2016. We always recommend that the best thing you can do is to get in touch with the creditor directly to clarify the debt and understand what options you have. Otherwise, if you need help and would like to discuss further with an expert, we invite you to give us a call or text us at 305-985-7682 or schedule a free credit consultation using this link calendly.com/dispute-nation/consultation. We are here to help!
Should you send the certified letter to a P.O. Box address so your address is not verified
Not all debt collection companies buy the debts tho. Some of the original creditors stay owning the accounts.
But we're trying to fix the credit but we have SSI but we only made $487 a monthSanta's got his retirement somebody to help him on that he only makes $200$200 for they said because he did not file for taxes it did not and it's with the social security offset
Do your previous company assist people from all areas or just FL? And when it comes to collections how do you know which state laws the agency is under (do i relate it to the state of the original debt collector/institution like Tmobile?)
thank you for this help.
What if you don’t live at the address they have on file anymore? Ex, parents house, former roommate, etc..so there’s no way for you to get mail from them?
Thanks 4 the video 😊 how about payment to debt collection that serves driving fines of the state’s motor vehicle agency?
What about hunter warfield
In ky and indiana if you dont they will garnish your wages though. So how do u prevent that
Awesome
We need to turn around and raise his social security check p his retirement
I have been paying my bill to my old apartment every month , then got an email saying everything was paid in full.. I stopped paying once I got that email but soon started getting collection call from a company about the account that was paid.. what do I do with that.. I moved September 2017 was paying through October got the paid in full account in November 2017 now I'm getting calls.. I don't understand what's going on.. I have all emails and was never late , don't have a bad history with previous payments.. I was told that even though I gave notice to vacate I was still responsible for October rent .. I wasn't living there in October I was making payments to the apartment.
What can be done about debt collectors harrassing me about the supposed debts of my 40 year old son in another state. He has never lived at this address or had access to this telephone number.
Actually under law 609 by the FCRA they are required to produce MUCH more then just something showing they bought it from the original creditor. I challenged 9 things on all three of my credit files asking to see the ORIGINAL SIGNED CONTRACT with my signature as required by law 609 of the FCRA. Sure enough, it worked. This is a loophole few consumers know about. Outof the 9 items i challanged 7 got removed from all three bureaus because the original contracts with the original creditors couldnt be produced. Sadly, for me, there were two that were able to produce said contracts with my signature (they were under a year old both). So utilize FCRA 609 when possible. It's free. Only money i spent was sending things REGISTERED MAIL as i was advised by someone whod done the same thing. Google LAW 609 FCRA for more information.
Is it better to dispute as soon as possible or wait a year in hopes they lose paperwork
Is it possible to get the paperwork from the original creditor which details the company that purchased the debt?
if again to pay, but didn't start can you stop it
Ray and Daniel What about verifying the debt itself (from the original creditor/Bank) New York
Thank you for all the information I am new and your Channel very interesting. I have just received a summons from Home Depot what do you do in a case like this I went through hard times my husband got very ill lost my job live on Social Security. I was told if I did not take care of this matter they will put a lien on that scared me. Can you give some more info when people receive summons and what do you do. Thank you very much.
hey ray i have a question after having a collection removed from your credit report will a other collection agency try to collect the debt or i dont have to worry about that debt anymore?
Hi! Do you have an email where I can contact you for help. I really need help understanding what is "proper" validation of a debt per the fdcpa. I hear ppl saying different things on TH-cam. Like the collector needs to have the original contract with your signature and if they send you copies of statements or old Bill's it is not considered validation of a debt. However, it seems that the fdcpa section 809 says that is proper validation and doesn't state an original contract is needed. So it's very confusing and I'm trying to understand my rights during my dispute process with the CRs and the collectors. Please help. I'm a new subscriber to your channel.
I'm from Denver co, what do you when they don't identify themselves? I consider them as scams.
If you dispute a collection, does this start the statue of limitation over again?
Ok you send a dispute letter do you forward that to credit bureau??
statue of limitation is 5-7yrs bit they seem to switch your debt to another collection agency does that reset you limitation
Hello Wilda Lowe. Regarding the SOL on debt; the first debt collector will try to collect and if they cannot they pass it on to another, etc. Now the most important thing to remember is if you are contacted by a third party debt collector and you admit to the debt, the debt is immediately re-aged from that day. For instance; they call you and you speak to them and admit you owe the debt, so never speak to them on the phone. A simple verse is; I do not handle business on the phone, please put it in writing; then hang up. DO NOT ever verify your address or give your address. If they send you a communication by mail and you do not respond in writing with 30 days, they automatically assume the debt is valid and they will pursue the debt and in some cases they will sue you. So it's important to respond in writing and dispute the debt and mail it via certified mail and keep the receipt and a copy of your dispute letter. You can find sample letters on google. hope that helps, blessings.
jacqueline manzano that help a lot thanks a million
Do not reply!!! It will open a whole can of worms. They're just singing in the wind. If you reply it will open your case up again. Ignore them.
Can you request a payment for deletion after you have already starting making payments to the collection agency?
How do I fight a 3rd party in court. Specifically, Portfolio Recovery.
I was just served from an attorney representing Portfolio Recovery and looking to see how I can file my response. I'm also looking to fight them in court but I will admit that I am a bit intimidated.
At 6:40 what if the collection law firm refuses to identify who they are and what their business is with me, even when asked directly?
If the “collection law firm” refuses to identify itself, it sounds like a scam.
This law firm filed a lawsuit and withdrew because there was no proof that could be submitted under court rules of evidense. The creditor claims I could not be served as an excuse for dropping legal action.
Can I just say I'm deceased? Lol asking for a friend😭😂
Hey I have a question I disputed one collection and it was taken off 2 months ago Experian credit bureau but I just noticed today that it was put back
That will continue to happen to your credit until you sue to stop it. Read The Fair Credit Reporting Act 15 USC §1681 et seq. and get educated about negative marks on your credit report.
File for file for bankruptcy so they threw it out of court so just let us go but the guy when we looked at him he was mad as hell
Hey ray,
I have a question. We started paying Midland in September. What are my options now? Continue to pay them seems like my only option from the content of your videos..ideas? Thanks I subscribed
I am so upset that I verified my name and address with a collection agency. I thought it was the delivery company calling to confirm my address and then they tell me they are calling from Portfolio recovery. I have dodged their calls for 2 years and now they have my address. I think I'm screwed! I'm assuming that I will start getting a ton of phone calls or they may try to sue me. Anyone have any advice?😔
Hunni_Bee510 ask them for debt validation. They 9 time out of 10 won’t have it and a bill isn’t debt validation
What should I do? In bankruptcy chapter 13 with CitiMortgage. We just received a phone call from another mortgage company stating that they are our new Mortgage company. Is this legal?
Eliza V that’s very possible having a new company name.
I recently fell into hard times. A collections account just hit my scores today. What to do with new collections?
Please update viewers that debt collectors are indeed using local area codes to call from. They are doing that hoping
you think the number calling is someone you know....
If I have a hospital bill that is 8 years old and there just now calling for payment can they report this on my credit report now as a collection?
Thanks for your help, love watching your videos!
Statue of limitations, dont pay it. But if you already paid it, then you opened it up for another 7 years to where they can sue you if they want
I am with freedom debt relief right now. Wouldn't it be admitting guilt if the debt collection agencies know that I'm already signed up with a debt relief company after my creditors charged off my accts to debt collections?
Keeping It Real With Credit thanks for the reply! Shud I withdraw from my freedomDR program now before my creditors charge me off to debt collection in a few week?So Debt C won't know I was in a debt relief program or like u said go thru dispute process?
I have a question, I have been getting calls from a debt collector for about 5 years and I do owe on a hospital bill, so i checked my credit report today and I did not see anything, should I let it go? Statue of limits in hawaii is 6years.
Ray, you are awesome and hot!
Wait, I thought you said in your other video that is was 4 grand? It makes me nervous when stories change.
He said close to four grand. And the amount doesn't matter. No need to get nervous, He's supplying valuable information.
love your accent!
where is your link man
My credit report doesnt show the date of first delinquency..where can i find it?
@@With_Both_Hands my credit report shows 2017-09 was date of last payment from original creditor, 2020-09 was date assigned from collection agency, what date does the statue of limitations date start from? thanks
I received a letter from a (firm) that I owed a creditor $$$. The letter was mixed up with old mail and forgotten. Should I still respond?
Thanks from PA