I recently had a debt buyer try to come after me for a debt I had paid off almost a decade ago and I had documentation to prove it. It went on for over a year and the total debt was less than $1000 USD and finally they tried to get me to pay a "Service fee" when I had proved I didn't owe the debt because "Well we don't work for free ma'am". I laughed and told them "Yeah that might be true but you also don't work for me".
I apparently owe some debt collector $321. From 2 years ago. It impacts my credit rating - but the original debt was to OrthoIllinois. Which is medical, but not now.
@Vesta_the_Lesser I will say in my case I was able to call my bank and have them pull my statements from the year in question to prove I had paid the debt, I also called the original debt holder and had them confirm in writing that I had paid my debt in full, because I absolutely did NOT have my original receipts after a decade and several moves later
They need a hard no. "I'll have to think about this" "Let me look at my budget and get back to you" "What do you mean it will have a negative effect?" "Ahh, well that is compelling information, I will have to take that into consideration, thank you." At some point they will devolve into trying to get you to say you refuse to pay. They can take that refusal to a court and get you tried in abstentia and get lien and garnishments assigned. But if you just keep stringing them along they put a note in your file that you aren't worth the hassle. I've wasted hours, if not days of their lives, just going around and around semantic merry-go-rounds. I know I'm never going to buy a house, my generation doesn't even really have that as an option. I don't want to buy a new boat or a new car. That's literally all they threaten you with. Fuck em.
I love 26 year old me, I remember telling a collector something like this. "Why in the world would I want to buy my debt back from you? You bought it, you own it and Im not paying you for it. Enjoy my debt." That kid was rad lol.
Jon Oliver has been such a blessing to this country (as immigrants tend to be). Not just for material benefits like these, but for covering crucial stories like these the NEVER get told on msm, in an easy to follow digestible way that's fun and funny. Thank you sir, you're a TRUE American patriot. ✊🏽
I had a legitimate response to a certain debt..."I have years of documentation on this bogus claim, please take me to court so I can counter sue". It worked and I recommend it!
Sure it did, sound like the sovcit who just lost her house and claims her "land patent" means the bank auction on her home from unpaid mortgage is not legal lol Same deal she has "legit response" to them repoing her car as well lol And yes the bogus sueing threats is the battle cry of sovcits. Shit they put a fake 400k lien on the deed before the auction to try and scare buyers lol.
A year after my second cousin passed, someone from the bank showed up at my door, trying to collect money from ME, a second cousin! He tried to appeal to my sense of loyalty to my cousin by making sure his good credit and reputation was not affected 😂😂😂😂. The guy is already dead, I don’t think he would lose any “sleep “ over his good credit 😂😂😂
How is your cousin's debt became your problem? These collections agencies are unbelievable! But they probably got some fools pay off the dead people's debt!
@@williamlouie569 My cousin was dying of cancer and I took him in for the last six months of his life. I didn’t have the heart to let him die alone (he had no children). The bank employee fried to persuade me that my cousin’s credit and reputation were in my hands. 🤬🤬🤬
this episode ended so well i forgot about all the trash in the beginning. well done John Oliver & crew. I hope this really turns life around for the better for a lot of people!
John Williams, who owned Williams, Scott & Associates was sentenced today to five years in prison for his role in shaking down more than 6,000 consumers nationwide.Williams was also ordered by a Manhattan judge to repay $4 million for the point of making an example out of the defendant.“There is a need to send a message that, ‘Hey, this is outrageous,'” the judge said, according to a published report.
@@alderoth01 i'm just trying to understand how this works 😅 Not denying it's very generous of them. Imagine everyone could buy their own debt for 1% of the price. This could even be a business model lol
@@Broockle from what I understand it's data brokers and debt collection. You don't need a license or any sort of major credentials to get started. He just said they placed a bid on some debt that was for sale, and they won the bid on it. Guess if you find the people doing the auctions on debt you can buy as much as you want lol.
You Sir Oliver is such a blessing to humanity, more power to you and to your show and may your tribe increase a hundred fold! Greetings from the Philippines!
Hus bankruptcies, his failed marriages, his misdeeds, and moral ineptitudes... all things that would make him inadmissible into the US through immigration
The medical debt forgiveness of the John Oliver / HBO team is ever endearing and enduring. Thank you for your good works, for compassion given and justice granted. My warmed heart wishes you all the best and a Happy New Year 🙏🕊
That would be nice, but the reason it's in spreadsheet form is because they sell it in bulk. Lots of people's debt in package deals. I've heard recently of a town or state that did this with their residents medical debt and forgave it. Would be nice to see more of that. I've even heard of lottery winners doing it.
I had a collection agency (over a time share) that if I couldn’t pay my debt I shouldn’t have had children. This was after trying for 10 years to have a child & he was a miracle.
Really wish you could do a segment about preperation for a family members death with there assets, financies, property and belongings and how they can be stripped by Nursing homes and the goverment if planned poorly..everyone should learn about this. And could save countless familys from devastating discoveries that they could have avoided if educated on it.
can't believe i forgot about carp.... i actually recently got a letter claiming i had six thousands dollars of medical debt from an organization i'd never even heard of and like if this is a debt buyer then idk what they think they're going to accomplish bc i've never had six thousand dollars in my life and i almost certainly never will so they're kinda just wasting their time.
It’s a shame the end of this episode didn’t get more attention than it did. Could you imagine if more people started doing this for society? I feel like that’s why it’s not publicized. Share this everywhere you can everyone!
Think about how much debt all of the day time hosts could actually give away if they all came together and did this one year. How many people they could help. It would be random acts of kindness and help so many people.
at this point anyone openly still financing this scammer pretty much deserves to feel ripped off. the kinda of person files for bankrupcy 5 times should not have a credit card.
My mom is going thru that debt thing right now . Court in a few days. She said she wasn’t going I said that makes no sense because then you default. Then I see this 😊
I tried negotiating with a debt collector and they refused. I ended up getting sued and uno reversed by filing for Chap 7. Buying debt for pennies and then trying to force you to pay full price should be illegal.
Not just the 10 commandments. Now they are requiring the Christian Bible be taught in Oklahoma and teachers who refuse could lose their certifications. WTF?
Why rerun all those old shows? (Watches as John Oliver breaks down why 3500 lawsuits is actually quite a few) Oh, yeah. There was way too much brilliance to catch it all on the first go-'round 😎 Still missing the significance of 'strawberry for the perverts' 😐 (wtf?)
@TVBjak I agree, but again, if you could know that if you just waited you could buy your debt back for a fraction of the price, why would you pay it? In general debt buying and collection agencies shouldn't be legal imo
@@glasise I’m confused why should people be able to buy my debt when it’s mine? I honestly don’t understand the question. If I owe you $1000 then why would you sell it for $10? Why not just let me buy it for $10? If you agree that debt buying shouldn’t exist, then the question you are asking wouldn’t exist.
@TVBjak okay, I think we're talking about different points, but I think we both agree that debt collection agencies shouldn't exist. But let me use your example to explain my separate point: you borrow 1000$ from me with a legal agreement that you will pay me back. In your hypothetical system where you could buy your own debt from me if I get tired of trying to collect it from you after, say, 2 years, for only 10$. What incentive is there for you to pay me back 1000$ within that 2 years if you know that if you just waited, you'll only have to pay me 10$? Of course, you, as a decent person, might try to pay me back because you believe that is the right thing to do. But there are a lot of not decent people out there? I believe that people shouldn't be able to sell debt at all. The question I'm asking isn't about what the incentive to pay off debt buyers would be, it's what is the incentive to pay off your *original* debt if you know that waiting will reduce the amount you need to pay *at all* to a fraction of the original price?
I recently had a debt buyer try to come after me for a debt I had paid off almost a decade ago and I had documentation to prove it. It went on for over a year and the total debt was less than $1000 USD and finally they tried to get me to pay a "Service fee" when I had proved I didn't owe the debt because "Well we don't work for free ma'am". I laughed and told them "Yeah that might be true but you also don't work for me".
I apparently owe some debt collector $321. From 2 years ago. It impacts my credit rating - but the original debt was to OrthoIllinois. Which is medical, but not now.
@Vesta_the_Lesser I will say in my case I was able to call my bank and have them pull my statements from the year in question to prove I had paid the debt, I also called the original debt holder and had them confirm in writing that I had paid my debt in full, because I absolutely did NOT have my original receipts after a decade and several moves later
Trump University.😆
"Yeah that might be true but you also don't work for me". This should be taught in school.
They need a hard no. "I'll have to think about this" "Let me look at my budget and get back to you" "What do you mean it will have a negative effect?" "Ahh, well that is compelling information, I will have to take that into consideration, thank you."
At some point they will devolve into trying to get you to say you refuse to pay. They can take that refusal to a court and get you tried in abstentia and get lien and garnishments assigned. But if you just keep stringing them along they put a note in your file that you aren't worth the hassle.
I've wasted hours, if not days of their lives, just going around and around semantic merry-go-rounds. I know I'm never going to buy a house, my generation doesn't even really have that as an option. I don't want to buy a new boat or a new car. That's literally all they threaten you with. Fuck em.
I love 26 year old me, I remember telling a collector something like this. "Why in the world would I want to buy my debt back from you? You bought it, you own it and Im not paying you for it. Enjoy my debt."
That kid was rad lol.
Jon Oliver has been such a blessing to this country (as immigrants tend to be). Not just for material benefits like these, but for covering crucial stories like these the NEVER get told on msm, in an easy to follow digestible way that's fun and funny. Thank you sir, you're a TRUE American patriot. ✊🏽
"tend" is a stretch
@Arian-gm4rx No it isn't. Grocery stores are full of 'em cause white people are too proud to take those jobs now too.
remember it’s comedy show, don’t take it too seriously
@@Arian-gm4rxGuys, I think we found the hidden racist.
@@Arian-gm4rx Arian, you (respectfully) give off "I'm not like other immigrants" vibes.
I had a legitimate response to a certain debt..."I have years of documentation on this bogus claim, please take me to court so I can counter sue". It worked and I recommend it!
Sure it did, sound like the sovcit who just lost her house and claims her "land patent" means the bank auction on her home from unpaid mortgage is not legal lol Same deal she has "legit response" to them repoing her car as well lol And yes the bogus sueing threats is the battle cry of sovcits. Shit they put a fake 400k lien on the deed before the auction to try and scare buyers lol.
@@Zalzany Well, if you consider that a lot of these debt buyers are hoping you won't show up, the tactic might work.
A year after my second cousin passed, someone from the bank showed up at my door, trying to collect money from ME, a second cousin!
He tried to appeal to my sense of loyalty to my cousin by making sure his good credit and reputation was not affected 😂😂😂😂. The guy is already dead, I don’t think he would lose any “sleep “ over his good credit 😂😂😂
How is your cousin's debt became your problem? These collections agencies are unbelievable! But they probably got some fools pay off the dead people's debt!
@@williamlouie569 My cousin was dying of cancer and I took him in for the last six months of his life. I didn’t have the heart to let him die alone (he had no children). The bank employee fried to persuade me that my cousin’s credit and reputation were in my hands. 🤬🤬🤬
"If you knew my cousin he always kept his debt secrets and credit rating buried"
Ridiculous. Glad you didn't lose any sleep over it!
The "Clogged Drain At The Wonka Factory" is probably one of my favorite John Oliver quotes...EVER! 😅
With great power comes great responsibility. John Oliver! A real-life hero 💯❤️
this episode ended so well i forgot about all the trash in the beginning. well done John Oliver & crew. I hope this really turns life around for the better for a lot of people!
You are a wonderful man John Oliver.
John Williams, who owned Williams, Scott & Associates was sentenced today to five years in prison for his role in shaking down more than 6,000 consumers nationwide.Williams was also ordered by a Manhattan judge to repay $4 million for the point of making an example out of the defendant.“There is a need to send a message that, ‘Hey, this is outrageous,'” the judge said, according to a published report.
To clarify, this was copy/pasted and John Williams was actually sentenced in November 2016, 5 months after this episode aired.
@@Mr_Wallet No need to clarify as the episode was in 2016 . . . but thank you.
@@mariadelpilar1590 I felt it was helpful since your comment was posted 4 months ago and you wrote he was sentenced "today" not "after this aired".
@@Mr_Wallet I did just cut and paste it as you said exactly as written. You're very observant. Maybe you're a teacher.
A blast from the past. This is priceless.
I LOVE YOU, JOHN OLIVER! YOU'RE AN AMAZING PERSON!
Thank you for forgiving so much debt. You are a saint!!
did he buy 15 million debt for 150 thousand?
Cause he said 1 cent on the dollar.
@@Broockle I have no idea what he bought it for, all I know is he erased it for free lol. That's a God send to some of those people.
@@alderoth01 i'm just trying to understand how this works 😅
Not denying it's very generous of them.
Imagine everyone could buy their own debt for 1% of the price.
This could even be a business model lol
@@Broockle from what I understand it's data brokers and debt collection. You don't need a license or any sort of major credentials to get started. He just said they placed a bid on some debt that was for sale, and they won the bid on it. Guess if you find the people doing the auctions on debt you can buy as much as you want lol.
@@alderoth01 that whole thing sounds dodgy AF 😅
I hope that RIP sends each person some documentation that the debt has been cleared so that noone else can go after these debts again.
Great Job!!!
The nonprofit he gave it to RIP Medical Debt (now, Undue Medical Debt) will handle all of that. Pretty awesome work they do!
You Sir Oliver is such a blessing to humanity, more power to you and to your show and may your tribe increase a hundred fold! Greetings from the Philippines!
And unlike Oprah's give away, John gave it away tax free.
The bit about trump's lawsuits should be on heavy rotation on fox.
Or any of the corporate media.
Hus bankruptcies, his failed marriages, his misdeeds, and moral ineptitudes... all things that would make him inadmissible into the US through immigration
I used to hate trump too but hes a better option for the US than Kamala.
Hopefully trump wins and the Dems get their act together for 2028
It's so weird that they were weaponizing the courts against him decades before he even ran for president....
Thank you John and crew you guys rock!!!
Thank you again for the full episodes! 😍
It's funny seeing Mr. Drumpf claim he's proud of his heritage and where he comes from
Fred Trump - authoritarian Nazi Father who went out from Alzheimers! Culturally and genetically bad seed!
Love John Oliver thank u for the upload 😊😊😊😊
John Oliver, you are a legend!!
Imagine that there was once a day when Trump University was one of the biggest scandals involving Trump...
You Sir, Are the Man!
I have never enjoyed watching the news until john oliver❤
3500 lawsuits in 30 years that averages out to like 116 ish every year
So if you not paying dept, you can buy your dept, and forgive yourself? :D That's cool!
Yeah but you have to be absolutely, 999% certain that it yours. You may end up buying some other buggers debt.
for 1 cent on the dollar....?
@@Broockle Yes, so a $3,000 debt can be bought for $30
@@rachelfox8108 neet
The medical debt forgiveness of the John Oliver / HBO team is ever endearing and enduring. Thank you for your good works, for compassion given and justice granted. My warmed heart wishes you all the best and a Happy New Year 🙏🕊
Still, so hard to watch this even in retrospect! I can't believe where we are today!
Groundhog Day nightmare!
🎉 Congratulations Queen of Daytime TV
My fav Lego accountant ❤
It's always good to know that good people exist
These bastards still call me over a debt from 2011...it's 2024 😂
You are wonderful !
I refuse to pay medical debt out of principle. It disappears from your credit if you stop answering your phone lol
wait really? i gotta look into that
We were so naive back then. Goodbye from the future.
For the algorithm! Spread the word. Like, Share, and Comment.
I am thinking about buying my room mate's debt. That would be hilarious.
Youll never get it back.
That would be nice, but the reason it's in spreadsheet form is because they sell it in bulk.
Lots of people's debt in package deals.
I've heard recently of a town or state that did this with their residents medical debt and forgave it.
Would be nice to see more of that.
I've even heard of lottery winners doing it.
Historical giveaway!!! 🙌🏽❣️🙌🏽
Aaahhh. That really felt good!💙💙💙💙
John Oliver for President!
You GO John 🥳🥳🥳🥳🥳🥳🥳🥳👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾
I had a collection agency (over a time share) that if I couldn’t pay my debt I shouldn’t have had children. This was after trying for 10 years to have a child & he was a miracle.
That is absolutely horrible...
John Oliver, You are amazing! ❤
Really wish you could do a segment about preperation for a family members death with there assets, financies, property and belongings and how they can be stripped by Nursing homes and the goverment if planned poorly..everyone should learn about this. And could save countless familys from devastating discoveries that they could have avoided if educated on it.
can't believe i forgot about carp....
i actually recently got a letter claiming i had six thousands dollars of medical debt from an organization i'd never even heard of and like if this is a debt buyer then idk what they think they're going to accomplish bc i've never had six thousand dollars in my life and i almost certainly never will so they're kinda just wasting their time.
Another episode with two standalone videos on TH-cam. Beautiful.
What an amazing human being!
My goodness. I am entertained!!! 👏👏🎸
Hitler's bunker review: It started off bad and I really hated it, but it got better at the end and really went out with a bang!
Lol. The "Fuck you, Oprah" killed me 😂
"WE THE PEOPLE, STILL HAVE THE VOTE"
This explained a helluva lot about the bullshit we deal with daily with these assholes
It’s a shame the end of this episode didn’t get more attention than it did. Could you imagine if more people started doing this for society? I feel like that’s why it’s not publicized. Share this everywhere you can everyone!
EXCELLENT!! - KEEP CALM AND CARRY ON.. 😅
21:50 "Why shooting debt collectors should be decriminalized," Exhibit A
I got a bill collector letter around a month ago. It was from a ticket I had in Illinois in 2003.
Love this guy. That is beautiful. Wait for it...
"MANY TIMES , THE TRUTH IS TOLD"
Think about how much debt all of the day time hosts could actually give away if they all came together and did this one year. How many people they could help. It would be random acts of kindness and help so many people.
This episode aged like a five-kilo tungsten block.
He really does look like an Oompah Loompa
Thank you very much...
Hang on, does this mean I could buy $20,000 of debt for just $100, and then just forgive it so that other person wouldn't have to pay it?
"I am the new queen of daytime talk!" is such a fantastic line.
at this point anyone openly still financing this scammer pretty much deserves to feel ripped off. the kinda of person files for bankrupcy 5 times should not have a credit card.
If only we knew how good we had it back then
I like that!! :-) Good On you, john!
13:10 Debt part starts here
I thought for sure that you were going to have Oprah push the button - LOL
Groundhog Day nightmare!
arkansas is doomed with polititcians like those
If you read this, please send your healing thoughts and prayers. I've been facing health struggles for a long time.
Ron Oliver forgot Iron Side and Harvey Birdman
I think they were trying to count live action.
I didn't see Perry Mason either.
This man has done more for the american people than actual fucking congress. We deserve what we get
My mom is going thru that debt thing right now . Court in a few days. She said she wasn’t going I said that makes no sense because then you default. Then I see this 😊
"To keep students alert"
dawg i'd be asleep in 10 mins wtf
He didn’t mention night court 😂😂😂
Why can't the debtors be offered to buy the debt first, before having it sold to anyone else?
They are
Yeah, I think it's called "paying off the debt"
For High Achievement in the Field of Excellence
I tried negotiating with a debt collector and they refused. I ended up getting sued and uno reversed by filing for Chap 7. Buying debt for pennies and then trying to force you to pay full price should be illegal.
Omg I swear been calling Bdubs, when it shud be bduds dubs hehe 😅
A very Grand Ending!
Bible clearly forbids charging interest to the poor, but we need those 10 commandments in schools. go go Cafeteria Christians!
Not just the 10 commandments.
Now they are requiring the Christian Bible be taught in Oklahoma and teachers who refuse could lose their certifications.
WTF?
Wolf Blitzer States The Obvious LOL But Zombie Debt? It's easier to destroy zombies...
You need one more lawsuit? I'd like to nominate The Shaggy DA for consideration.
Why rerun all those old shows? (Watches as John Oliver breaks down why 3500 lawsuits is actually quite a few) Oh, yeah. There was way too much brilliance to catch it all on the first go-'round 😎 Still missing the significance of 'strawberry for the perverts' 😐 (wtf?)
You rock!!!
I know a Professor Duncan, he teaches on Greendale Community College.
Wonder how many regulations limiting debt collectors that Trump has done away with?
god help you if you pull some shady shit and start garnishing my wages lol
1:10 you ain't seen nuthin' yet
Good they have to give addresses to collect, so if any maje threats, the police better handle it or their workers will get visits.
If your debt is placed on a market, you should be able to buy it at that price before the debt is fully secured by the purchaser.
That'd be nice, but what would the incentive to pay off your debt be then?
@@glasise if someone can buy off your debt for pennies on the dollar then why can't you buy your debt for pennies in the dollar?
@TVBjak I agree, but again, if you could know that if you just waited you could buy your debt back for a fraction of the price, why would you pay it? In general debt buying and collection agencies shouldn't be legal imo
@@glasise I’m confused why should people be able to buy my debt when it’s mine? I honestly don’t understand the question. If I owe you $1000 then why would you sell it for $10? Why not just let me buy it for $10? If you agree that debt buying shouldn’t exist, then the question you are asking wouldn’t exist.
@TVBjak okay, I think we're talking about different points, but I think we both agree that debt collection agencies shouldn't exist. But let me use your example to explain my separate point: you borrow 1000$ from me with a legal agreement that you will pay me back. In your hypothetical system where you could buy your own debt from me if I get tired of trying to collect it from you after, say, 2 years, for only 10$. What incentive is there for you to pay me back 1000$ within that 2 years if you know that if you just waited, you'll only have to pay me 10$? Of course, you, as a decent person, might try to pay me back because you believe that is the right thing to do. But there are a lot of not decent people out there? I believe that people shouldn't be able to sell debt at all. The question I'm asking isn't about what the incentive to pay off debt buyers would be, it's what is the incentive to pay off your *original* debt if you know that waiting will reduce the amount you need to pay *at all* to a fraction of the original price?
Please buy my debt and forgive it.
Because, we all picked our parents.
Awesome!
What a nice guy
My question is, if buying debt and forgiving it is, seemingly, so easy, why aren’t there more groups that buy and forgive debt?
It’s weird to see that a story about Debt Buyers isn’t the biggest story about something slimy and disgusting that was presented in this episode.