▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection: rwlaw.mykajabi.com/crush ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/ ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Thanks for your videos. How about a rental car company that decided they found a scuff on the car that wasn't there before, and I'm not sure if it was there when I got it or not? Their pickup process was very slow and I was late as a result so I didn't closely examine the car before using it. It's very small damage where the paint isn't even missing. 100% didn't happen while I was operating the car. Their idea of validating the debt is resending me the picture and statement from the rental company saying I owe them $900 to replace the whole front of the car.
This is going to be a question of state law relating to your rental car contract, not really a debt collection issue. Always examine your rental car closely before turning it in. If you think they're ripping you off, contact a consumer lawyer in your state to take them on.
If the debt collectors bought your debt from another company now making it their debt would you even be legally obligated to pay them since they are not the original company in which you owed debt to? There would be no documentaion or contract that was signed between you and the debt collector on that debt owed to the original company. Wouldnt you have to sign a contract between you and the debt colletor to bind you to the debt that was purchased and paid off to the original company that was owed debt to?
Hi Very informative video! Can you make a video On how to use arbitration When sued, But also how to use arbitration On offense To clear your credit report? Thank You!!
Hi I was asking about closing a credit card And how it could affect your credit. Part of the Fico scoring models Factor in how long your credit has been established. I believe they use the average age of all accounts. I was trying to find out if the Fico model Takes closed accounts into Consideration Thank you! Great videos!!!
What about if you have 2 accounts with the same debt buyer and found out false reporting on your credit for both accounts. In the case you get an attorney to sue the debt buyer, I’m wondering if the debt for both accounts can be wiped out or it depends on the damages? Thanks
@ I’m wondering about 3300 something in total debt for both accounts. I hope it can all be wipe out because of the violations that debt buyers always do against consumers.
Ok a few questions a bedt collector was text messagimg about payment and how much to to pay off the debt before they called and verified who i was. Another ive disputed the debt requesting for information and told them stop collections till ive recived then information i asked. And to only contact me by mail and to not contact me on my phone at anytime. They did not respond to my message i no they got my letter due to certified mail and there still texting my phone about this debt. I think i may need some help on what i should do next please
> before they called and verified who i was i wonder who else they've told about your debt. >They did not respond to my message They don't have to, as long as they stop all collection activity. > what i should do next please What violations did you find when you followed the steps outlined in this video?
If an original creditor is using a company to collect a debt that they still own and have not sold to a junk debt collector and i disputed the debt because i received a letter from the company they are using, does the original creditor need to report it to the credit bureaus as disputed?
What if you dont have any assets or money can or will they still.sue ? How much would a debt collection go after someone to sue? If the dept is low would theh go aheac?
They do this all the time: sue someone who doesn't have money now (why else would they miss their payments?) and then they wait. A Florida judgment is good for up to 20 years. They just wait until you get a job, then they garnish your wages. We're seeing this now, with people who got sued in 2020 and now are back to work. How do they know? They can see it on your credit report. New jobs, new lines of credit, improving credit score... all those signs indicate to them it's time to collect on on old judgment. Unless you plan on staying poor for 20 years, a judgment is bad for you.
I just received a surprise letter from a collection agency saying that I owe 2k from an ambulance company in 2020 that my insurance didn’t cover. I made a number of payments until 2022, then moved out of state and completely forgot about it. I never heard anything from the ambulance service since my last payment over a year ago. Now a collection agency owns this debt and I want to prevent this from damaging my credit. What should I do?
If I wrote a letter to a debt collector to only communicate with by mail and they keep sending Emails is that a violation? Can I do something about it?
If I have evidence that the debt collector called me at 5am, do I sue them directly in small claim court or file complaints to FTC/CFPB/Attorney General first? Do I need a lawyer for this? I'm in CA.
I can't speak for California, but in Florida, anyone can file a small claims action. We usually recommend getting a lawyer because even small claims is full of tricks and traps, despite being designed for a non-lawyer to use. And if your case is valid, the lawyer will be free-because the other side pays the attorney fees. If you were in Florida, we wouldn't bother with a complaint to the AG or CFPB-we'd just go straight to court.
What if a collection agency bought the debt from another debt collector that was on you credit report as a collection but has been removed after 7 year do we respond or ignore
Jefferson Capital sent me "verification" which consisted of my name and address on a copy of what appears to be a fake bill where they just cut and pasted the original creditor's logo on it. The bill just had the amount owed, no list of charges other than the very last charge on the acccount. They've also been reporting a false date of first delinquency. This is not my debt. How would you attack it for immediate deletion?
If your goal is immediate deletion, prepare to be disappointed. The only way to get what you want is to make them pay. That’s the point of the Battle Plan. With a false DOFD you’ve got an immediate suit against Jefferson Capital and even though it might take some time (30-120 days, depending on the specific court) that’s the approach I’d take.
Well, if you follow the steps in the video, you've probably gotten multiple sources of that information. Check your bank statements and account statements first. Look for the first time a late payment appears in the account statements.
What if you've disputed an invoice with a service provider because they have some fees on that invoice that they never disclosed to you and you agree to pay everything BUT that non disclosed amount? Can you send them a check for what you believe is the correct amount with memo of "Paid in Full"?
You can do anything you want, but that’s not likely to work. Most places will reject those checks unless you have a deal already worked out. If you’re trying to get them to cash it without noticing, you’re trying to trick them and that’s not going to go well for you.
My Mom and I were able to write "paid in full" on a check to a contractor that was the amount we agreed was owing to them. We waited the time according to the accord and satisfaction law, and the time passed. We ignored it until they sent an invoice in email threatening to send the balance (about 6k) to collections. We responded with the MN statute, the day the check was cashed by them, and a notation to cease and desist all communication. We had gotten the advice from a lawyer through legal shield.
P.S. I do Believe that if they had seen the "paid in full" in the memo line, they could contest it, but once they cashed the check and didn't respond and the time lapsed, there was nothing they could do. Luck could've played a hand in our situation, and our daily countdown. 😊 I made a graphic on my phone each day with the number of days left, and we collectively manifested the outcome. 🎉 That was awesome!!!
![How much time do debt collectors have to sue you? [statute of limitations]](http://i.ytimg.com/vi/TeK09B6IVBo/mqdefault.jpg)
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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
rwlaw.mykajabi.com/crush
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Thanks for your videos. How about a rental car company that decided they found a scuff on the car that wasn't there before, and I'm not sure if it was there when I got it or not? Their pickup process was very slow and I was late as a result so I didn't closely examine the car before using it. It's very small damage where the paint isn't even missing. 100% didn't happen while I was operating the car. Their idea of validating the debt is resending me the picture and statement from the rental company saying I owe them $900 to replace the whole front of the car.
This is going to be a question of state law relating to your rental car contract, not really a debt collection issue.
Always examine your rental car closely before turning it in. If you think they're ripping you off, contact a consumer lawyer in your state to take them on.
Very useful tips . I’m using these tips to My advantage. I did keep bank statements & receipts! I
Glad it was helpful!
Can you please post a video about what we can do if we have already paid the debt in full? How we can get them removed, what to do etc
Once you pay, you have no power to remove anything. Check out this video and it may answer your questions:
th-cam.com/video/UdM0_Zro8Bk/w-d-xo.html
@@RWlawFLnot even if they give you a letter saying they will
> if they give you a letter saying they will
If they do that, and break their promise, they've breaking the law.
If the debt collectors bought your debt from another company now making it their debt would you even be legally obligated to pay them since they are not the original company in which you owed debt to? There would be no documentaion or contract that was signed between you and the debt collector on that debt owed to the original company. Wouldnt you have to sign a contract between you and the debt colletor to bind you to the debt that was purchased and paid off to the original company that was owed debt to?
I'd want to see what documents they claim to have.
You don't have to have a contract with the debt collector-that's a myth.
What if the dates don’t match on all credit reports, would I be able to dispute and remove from my account
That sounds like something I’d want to dig into if I were you.
What if they didn't violate any rules and I still want to settle?
You've got almost no leverage, so you're not going to get a very good deal. Look again, though.
Hi
Very informative video!
Can you make a video
On how to use arbitration
When sued,
But also how to use arbitration
On offense
To clear your credit report?
Thank You!!
We don't use arbitration and we don't usually find it a benefit, so you probably won't see us making that kind of video.
Ok
Thank you!
You're welcome!
If I close a credit card
Does this affect my length of credit in any way?
Thanx!!!
I don't understand your question.
Hi
I was asking about closing a credit card
And how it could affect your credit.
Part of the Fico scoring models
Factor in how long your credit has been established.
I believe they use the average age of all accounts.
I was trying to find out if the Fico model
Takes closed accounts into
Consideration
Thank you!
Great videos!!!
OK, then yes, closing a credit card can cause your score to drop under FICO models.
Mind-blowing!
What about if you have 2 accounts with the same debt buyer and found out false reporting on your credit for both accounts. In the case you get an
attorney to sue the debt buyer, I’m wondering if the debt for both accounts can be wiped out or it depends on the damages? Thanks
If both debts are below a few thousand dollars each, this would probably wipe out both deaths. You’re in a great position if this has happened to you.
@ I’m wondering about 3300 something in total debt for both accounts. I hope it can all be wipe out because of the violations that debt buyers always do against consumers.
Can you recommend attorney in Illinois?
Hyslip Legal
Ok a few questions a bedt collector was text messagimg about payment and how much to to pay off the debt before they called and verified who i was. Another ive disputed the debt requesting for information and told them stop collections till ive recived then information i asked. And to only contact me by mail and to not contact me on my phone at anytime. They did not respond to my message i no they got my letter due to certified mail and there still texting my phone about this debt. I think i may need some help on what i should do next please
> before they called and verified who i was
i wonder who else they've told about your debt.
>They did not respond to my message
They don't have to, as long as they stop all collection activity.
> what i should do next please
What violations did you find when you followed the steps outlined in this video?
If an original creditor is using a company to collect a debt that they still own and have not sold to a junk debt collector and i disputed the debt because i received a letter from the company they are using, does the original creditor need to report it to the credit bureaus as disputed?
No, only the debt collector.
What if you’re legally blind on SSDI? Will they still pursue a judgement even if I’m represented by a law firm?
If you have a lawyer, this is a great question for you to ask them.
Some debt collectors will pursue anyone they think they can get money from.
What if you dont have any assets or money can or will they still.sue ? How much would a debt collection go after someone to sue? If the dept is low would theh go aheac?
They do this all the time: sue someone who doesn't have money now (why else would they miss their payments?) and then they wait.
A Florida judgment is good for up to 20 years.
They just wait until you get a job, then they garnish your wages. We're seeing this now, with people who got sued in 2020 and now are back to work.
How do they know? They can see it on your credit report. New jobs, new lines of credit, improving credit score... all those signs indicate to them it's time to collect on on old judgment.
Unless you plan on staying poor for 20 years, a judgment is bad for you.
I just received a surprise letter from a collection agency saying that I owe 2k from an ambulance company in 2020 that my insurance didn’t cover. I made a number of payments until 2022, then moved out of state and completely forgot about it. I never heard anything from the ambulance service since my last payment over a year ago. Now a collection agency owns this debt and I want to prevent this from damaging my credit. What should I do?
Your next step depends on what state you're in. Are you in Florida?
Do you help people in WV?
Unfortunately, we are limited to Florida and don't have a referral in your state.
Florida
You help people in texas
In Texas call Bill Clanton or Daniel Ciment.
If I wrote a letter to a debt collector to only communicate with by mail and they keep sending Emails is that a violation? Can I do something about it?
Yes. Are you in Florida? If so, call our office first thing Monday.
My question, a dismissal by lack of prosecution fla. Sm.Cl.R 7.110(e) do I still owe the debt?
That would not affect whether you owe the debt.
What if they just sent me an email?
If that's the first communication, you can dispute. Follow the steps in the video.
If I have evidence that the debt collector called me at 5am, do I sue them directly in small claim court or file complaints to FTC/CFPB/Attorney General first? Do I need a lawyer for this? I'm in CA.
I can't speak for California, but in Florida, anyone can file a small claims action. We usually recommend getting a lawyer because even small claims is full of tricks and traps, despite being designed for a non-lawyer to use.
And if your case is valid, the lawyer will be free-because the other side pays the attorney fees.
If you were in Florida, we wouldn't bother with a complaint to the AG or CFPB-we'd just go straight to court.
What if a collection agency bought the debt from another debt collector that was on you credit report as a collection but has been removed after 7 year do we respond or ignore
It depends on what they’re trying to do. You might already have enough to sue them.
@@RWlawFL thank you I already contacted your firm
Jefferson Capital sent me "verification" which consisted of my name and address on a copy of what appears to be a fake bill where they just cut and pasted the original creditor's logo on it. The bill just had the amount owed, no list of charges other than the very last charge on the acccount. They've also been reporting a false date of first delinquency. This is not my debt. How would you attack it for immediate deletion?
If your goal is immediate deletion, prepare to be disappointed.
The only way to get what you want is to make them pay. That’s the point of the Battle Plan.
With a false DOFD you’ve got an immediate suit against Jefferson Capital and even though it might take some time (30-120 days, depending on the specific court) that’s the approach I’d take.
@@RWlawFL How would I prove the original DOFD if the debt is reporting as 4+ years old?
Well, if you follow the steps in the video, you've probably gotten multiple sources of that information. Check your bank statements and account statements first. Look for the first time a late payment appears in the account statements.
What if you've disputed an invoice with a service provider because they have some fees on that invoice that they never disclosed to you and you agree to pay everything BUT that non disclosed amount? Can you send them a check for what you believe is the correct amount with memo of "Paid in Full"?
You can do anything you want, but that’s not likely to work. Most places will reject those checks unless you have a deal already worked out. If you’re trying to get them to cash it without noticing, you’re trying to trick them and that’s not going to go well for you.
My Mom and I were able to write "paid in full" on a check to a contractor that was the amount we agreed was owing to them. We waited the time according to the accord and satisfaction law, and the time passed. We ignored it until they sent an invoice in email threatening to send the balance (about 6k) to collections. We responded with the MN statute, the day the check was cashed by them, and a notation to cease and desist all communication.
We had gotten the advice from a lawyer through legal shield.
P.S. I do Believe that if they had seen the "paid in full" in the memo line, they could contest it, but once they cashed the check and didn't respond and the time lapsed, there was nothing they could do. Luck could've played a hand in our situation, and our daily countdown. 😊 I made a graphic on my phone each day with the number of days left, and we collectively manifested the outcome. 🎉 That was awesome!!!
Congrats!
Every state law is going to be different, so what worked for you might not work for others.
Can you recommend attorney in Illinois?
Hyslip Legal