What happens if you get a letter from a lawyer that for a credit card that's no longer a business and closed about 14 years ago and the debt was over 30 years ago and was on my credit 20 years ago but it's not on my credit report anymore and you're telling me they're going to take me to court for it it's not an official letter from the court posted something from the cord that's not a document from the court it's from a lawyer trying to scare me tell me that he'll put a garnishment on my check should I ignore it cuz it's over 30 years ago and the credit card company closed down in 2012
And I just checked New Jersey the statue of limitations 6 years this was over 30 years ago Isis in on my credit report and I just bought a brand new car my credit is good so I don't understand what this is lawyer can drop off a letter and telling me that if I don't respond in 30 days to try to garnish me it's not from the court from the lawyer and this company closed down and his credit card bill was 30 years ago it's not on my credit report
I made 2 first payments and then NFCU sent three different debt collectors after me. They kept increasing the amount they say that satisfies them, they keep raising it, it's such a SCAM!!!!
It’s legit a tailspin and I feel lost. So glad I started to research this and can’t thank you enough! I’m ready to take full control of my financial future
I have a couple of old debts that are past the statute of limitations. Years ago, I received letters from the collections companies about the debt but since then all correspondence has stopped. These debts have never been reported on my credit reports. Should I reach out to the original creditor to pay these debts or just leave it alone? I cannot remember how much I owed, I just remember the original creditor’s name.
hi i received a letter from quailia collections but this amount was already paid to the original company. They sent me this letter too quickly i feel within one week i thought there was a time frame on things? so annoying
I had a random Verizon bill pop up last year that was only active for 1 month and missed payments every month after. The funny thing is, I’ve been with AT&T since 2015 i have no idea where it came from lol
I received a letter from Asset Acceptance with a court date for some old debt that passed the 7 years I thought the judge wouldn’t allowed to collect the old debt but because I didn’t take the off the allowed them to place a garnishment against me
I would never ever pay off a debt junk buyer aka third party because most of the time they don't have proof that you owe this debt. I was contacted by a. debt collection agency and not only did I ask for a letter of validation of this debt, but verification as well. They can claim to validate it because all it is is a piece of paper with the original creditor and supposedly the amount that you owe, but other than that they have no proof at all. I asked for verification of the debt from an agency and they said it would take 60-90 days for it and yet never heard from them ever again about it.
I might need to email you as well I was just blocked and my Citibank account was not usable and i had a $30k transfer of funds that were sent to me as a favor to pay my aunts caregivers and the transfer didn’t go thru because they blocked the account on a weekend and i had to make a payment over the phone with my other Citibank debit card for the remaining debt collection from a 3 year old Target bill that was charged off - i had to pay them the full amount $1,543.17 to remove the levy and as soon as the transfer went through the following morning i quickly took it out and transferred it to my Aunts Citibank account where it belongs and I’m worried they will do it again - My question is can these debt collector lawyers block my bank accounts?
Thanks for informative video. You have mentioned that debt collectors cannot add additional fees or charges. So sending final notices with 10% debt collector fees is illegal??
So if a guy owed a credit card company 5,000 dollars, then went delinquent for 2 years, why would it not show up on the credit report? Not even as a charge off, just nothing, nowhere, not in any of the 3 credit bureaus, just gone. What would you think is going on with that?
T mobile send me to collections when I pay all my account and closed it completely with the next month payment due plus interest on Nov 2022 but now they send me a notice I still owe 417.21 so they send me to collections this not right because I full pay my account and closed it completed why I’m getting send to collections
My mom received a pre legal notice from midland and she is elderly and unfortunately was going through some medical challenges any suggestions what I can do! Any feedback what should I do
Hello, i have a question if i was sent to collection agency but the account name is under a business name will they still be able to report my credit to credit agency? They billed under the wrong account and I was trying to get a credit applied which they refused to apply since they billed a business name instead of a home address and have been given the run around in fixing it. Finally they sent me to collection agency can i dispute since my name is not on the account? Not sure if the account number is linked to me directly though.
Question. I recieved a letter saying "Thank you for your inquiry regarding the above referenced account." I never received a letter in the first place nor did I receive get a bill from the initial place who was a Dentist office. Is this something I could refer to as a scam or sign into their site and see what it shows? Also the amount they are asking for does not match the form from the Dentist they say I owed. One other thing the "validation" they sent was a screen shot of charges not any agreements to pay and sell the debt.
What do you do if the collection agency never reach out to you but you see it on their website and it’s still within the SOL.. I need to clear up some that are mine
Hi, great videos… I got scam and may checking account with chase got negative $6k.. and im unable to pay that amount immediately.. i work min wage only.. do you have any suggestion that i can do to fix this
Hello, Naam ---- I have a debt that went to charge off and the debt was sent to collections. This debt is only about 3 months late and is for the amount of about $450.00. I haven't responded to any emails or answered any phone calls or returned any calls to the collection company. I did speak to the company I owe and tried to make the payment in full and they said I have to talk to the collection agency. Should I contact the collection agency and pay them the full amount or is there another way to deal with this? I'm assuming my credit has been dinged already by the charge off. I'd like to fix my credit because it was in the low 700 score. Thanks in advance for your time and help if you reply.
Texas time barred debts and predatory lenders new law 2019. Now debt scavengers as Texas law calls them have to let you know it's a zombie debt which means they can't sue or arbitrate and we're never allowed to harass. HB 996, which went into effect on September 1, 2019, adds new protections for Texans with old debts, often called “time-barred debts” or “zombie debts.” The new law prohibits debt buyers-generally businesses that buy defaulted debts and try to collect them-from suing or using arbitration to collect a time-barred debt. It makes these prohibited practices a violation of the Texas Fair Debt Collections Practices Act, Chapter 392 of the Texas Finance Code. Under the new law, once a debt is time-barred, a debt buyer cannot sue to collect the debt even if a payment is made. The new law also prohibits debt buyers from suing to collect if any payment is made on a time-barred debt.
lol damn that's crazy I'm from Texas and now live in New York and thought that you had it good with the statute of limitations, but now our states statute of limitations went from 6yrs to now 3yrs and whenever they call you they have to say the same thing over the phone if it's past the statute of limitations and they cannot legally sue you and if you did make a payment or admitted to the debt than they cannot restart the statute of limitations. Another thing to be aware of is these debt collection scammers who pose as attorney's most of them calling from a 1-877 number saying that they are litigations office and they were hired by so and so to sue you and the debt was from like 16 years ago. They are scum of the earth and not a legal office at all.
Serious question: can all debt collectors have it removed from your credit? I tried having that done with ERC and it was literally like going in circles
From what I’ve heard, yes and no. Yes if they own the debt. No if they are just assigned to collect from the original creditor. Simply ask the collection agency if they are the owner of the debt or assigned to collect
Are you trying to pay on full? I have one Witt them for $511. I’m be wrong if I should offer 15% or pay on full to get the pay to delete letter. But the debt will fall off in 2 months so I could offer $50 bucks and they will pay to delete 😊
I would ask them if the own the debt and to prove it. If they don’t own the debt and can’t remove it from your report, do you even want to pay it ? I’d do some research.
![We TEAR APART a debt collector lawsuit [Midland Credit Management]](http://i.ytimg.com/vi/ZyYx7L1EKmc/mqdefault.jpg)
All the links mentioned:
🏦 - Debt Settlement - AAA Debt Solutions: aaadebtsolutions.com/naam/
✉ - Simple Dispute Letter: bit.ly/3k7wYOW
✉ - Cease & Desist Letter: bit.ly/3pcAtEG
💳 - More D.I.Y Credit Repair Letters 👉🏾 bit.ly/34SpsPw
💳 - $50 OFF D.I.Y Credit Repair Masterclass 👉🏾 bit.ly/3hayi2a
What happens if you get a letter from a lawyer that for a credit card that's no longer a business and closed about 14 years ago and the debt was over 30 years ago and was on my credit 20 years ago but it's not on my credit report anymore and you're telling me they're going to take me to court for it it's not an official letter from the court posted something from the cord that's not a document from the court it's from a lawyer trying to scare me tell me that he'll put a garnishment on my check should I ignore it cuz it's over 30 years ago and the credit card company closed down in 2012
And I just checked New Jersey the statue of limitations 6 years this was over 30 years ago Isis in on my credit report and I just bought a brand new car my credit is good so I don't understand what this is lawyer can drop off a letter and telling me that if I don't respond in 30 days to try to garnish me it's not from the court from the lawyer and this company closed down and his credit card bill was 30 years ago it's not on my credit report
The most articulate person on the internet. Valuable information Very helpful
Glad it was helpful!
@@NaamWynn❤❤❤❤❤❤❤❤❤❤❤😢😢😮😮THANKYOUKING❤❤❤❤❤😢😢😮
I made 2 first payments and then NFCU sent three different debt collectors after me. They kept increasing the amount they say that satisfies them, they keep raising it, it's such a SCAM!!!!
It’s legit a tailspin and I feel lost. So glad I started to research this and can’t thank you enough! I’m ready to take full control of my financial future
This was straightforward and so helpful. Excellent video.
I have a couple of old debts that are past the statute of limitations. Years ago, I received letters from the collections companies about the debt but since then all correspondence has stopped. These debts have never been reported on my credit reports. Should I reach out to the original creditor to pay these debts or just leave it alone? I cannot remember how much I owed, I just remember the original creditor’s name.
It is highly appreciated! Also she never received any other prior notice
hi i received a letter from quailia collections but this amount was already paid to the original company. They sent me this letter too quickly i feel within one week i thought there was a time frame on things? so annoying
I had a random Verizon bill pop up last year that was only active for 1 month and missed payments every month after. The funny thing is, I’ve been with AT&T since 2015 i have no idea where it came from lol
I received a letter from Asset Acceptance with a court date for some old debt that passed the 7 years I thought the judge wouldn’t allowed to collect the old debt but because I didn’t take the off the allowed them to place a garnishment against me
I would never ever pay off a debt junk buyer aka third party because most of the time they don't have proof that you owe this debt. I was contacted by a. debt collection agency and not only did I ask for a letter of validation of this debt, but verification as well. They can claim to validate it because all it is is a piece of paper with the original creditor and supposedly the amount that you owe, but other than that they have no proof at all. I asked for verification of the debt from an agency and they said it would take 60-90 days for it and yet never heard from them ever again about it.
Brother kindly FWD every query/inquiry you have (this included as well) to me now as an
emaiI, to:
Naamwynn65
GmaiI
I might need to email you as well
I was just blocked and my Citibank account was not usable and i had a $30k transfer of funds that were sent to me as a favor to pay my aunts caregivers and the transfer didn’t go thru because they blocked the account on a weekend and i had to make a payment over the phone with my other Citibank debit card for the remaining debt collection from a 3 year old Target bill that was charged off - i had to pay them the full amount $1,543.17 to remove the levy and as soon as the transfer went through the following morning i quickly took it out and transferred it to my Aunts Citibank account where it belongs and I’m worried they will do it again -
My question is can these debt collector lawyers block my bank accounts?
??? Question: In California, if a judgement is placed on a debt, will bankruptcy eliminate the debt and stop the judgement?
My student loan that was in collections but on Experian and Credit Karma, it is showing closed. Where last month on CK, it showed I owe.
I have a question can I still ask the collectors to remove it from my credit score if I need to make a payment plan to payoff the bill?
what are the pros & con, of filing for bankruptcy???????
great video
Thanks for informative video.
You have mentioned that debt collectors cannot add additional fees or charges. So sending final notices with 10% debt collector fees is illegal??
Queries & inquiries are to be malLed/fwd them there due to privacy reasons.
Question. I received a collection letter that the IRS sold my debt. I noticed my name is misspelled. Is this something I can use to get out of this?
Can the creditors get into your bank account ?If they can, do you advice taking the money out of the bank ?
Questions/inquiries malL them up
due to privacy reasons.
I’ve always used prepaid debit cards, money orders or cashier’s checks to keep them from having any access to my bank accounts.
what does token payments really do?
So if a guy owed a credit card company 5,000 dollars, then went delinquent for 2 years, why would it not show up on the credit report? Not even as a charge off, just nothing, nowhere, not in any of the 3 credit bureaus, just gone. What would you think is going on with that?
Brother pleas’ redirect your question as an
-emaiI to:
Naamwynn65
GmaiI
Hey Naam iv been following you for a while. I have a question about life insurance term policy and borrowing from the policy verse a normal bank loan.
T mobile send me to collections when I pay all my account and closed it completely with the next month payment due plus interest on Nov 2022 but now they send me a notice I still owe 417.21 so they send me to collections this not right because I full pay my account and closed it completed why I’m getting send to collections
The same thing happened to me what did you do it thou
My mom received a pre legal notice from midland and she is elderly and unfortunately was going through some medical challenges any suggestions what I can do! Any feedback what should I do
Thank you
Hello, i have a question if i was sent to collection agency but the account name is under a business name will they still be able to report my credit to credit agency? They billed under the wrong account and I was trying to get a credit applied which they refused to apply since they billed a business name instead of a home address and have been given the run around in fixing it. Finally they sent me to collection agency can i dispute since my name is not on the account? Not sure if the account number is linked to me directly though.
Question. I recieved a letter saying "Thank you for your inquiry regarding the above referenced account." I never received a letter in the first place nor did I receive get a bill from the initial place who was a Dentist office. Is this something I could refer to as a scam or sign into their site and see what it shows? Also the amount they are asking for does not match the form from the Dentist they say I owed. One other thing the "validation" they sent was a screen shot of charges not any agreements to pay and sell the debt.
RUclips just set a new policy restriction but FWD all of these to me Now as an
emaiI to:
Naamwynn65
GmaiI
Which state should be considered if the account was open in FL, Creditor (Target) is in MN, and i moved to NH? Thanks .
What do you do if the collection agency never reach out to you but you see it on their website and it’s still within the SOL.. I need to clear up some that are mine
Negotiate for a pay for deletion
Does this work for student loans?
Based on privacy reasons and RUclips’s new policy , kindIy FwD your question to my..
emaiI;
To: Naamwynn65
GmaiI
Are all these statutes of limitations the same in 2024
Would this work in Canada?
Hi, great videos… I got scam and may checking account with chase got negative $6k.. and im unable to pay that amount immediately.. i work min wage only.. do you have any suggestion that i can do to fix this
Same what have you done so far?
Hello, Naam ---- I have a debt that went to charge off and the debt was sent to collections. This debt is only about 3 months late and is for the amount of about $450.00.
I haven't responded to any emails or answered any phone calls or returned any calls to the collection company. I did speak to the company I owe and tried to make the payment in full and they said I have to talk to the collection agency.
Should I contact the collection agency and pay them the full amount or is there another way to deal with this? I'm assuming my credit has been dinged already by the charge off. I'd like to fix my credit because it was in the low 700 score.
Thanks in advance for your time and help if you reply.
Texas time barred debts and predatory lenders new law 2019. Now debt scavengers as Texas law calls them have to let you know it's a zombie debt which means they can't sue or arbitrate and we're never allowed to harass.
HB 996, which went into effect on September 1, 2019, adds new protections for Texans with old debts, often called “time-barred debts” or “zombie debts.” The new law prohibits debt buyers-generally businesses that buy defaulted debts and try to collect them-from suing or using arbitration to collect a time-barred debt. It makes these prohibited practices a violation of the Texas Fair Debt Collections Practices Act, Chapter 392 of the Texas Finance Code. Under the new law, once a debt is time-barred, a debt buyer cannot sue to collect the debt even if a payment is made. The new law also prohibits debt buyers from suing to collect if any payment is made on a time-barred debt.
lol damn that's crazy I'm from Texas and now live in New York and thought that you had it good with the statute of limitations, but now our states statute of limitations went from 6yrs to now 3yrs and whenever they call you they have to say the same thing over the phone if it's past the statute of limitations and they cannot legally sue you and if you did make a payment or admitted to the debt than they cannot restart the statute of limitations. Another thing to be aware of is these debt collection scammers who pose as attorney's most of them calling from a 1-877 number saying that they are litigations office and they were hired by so and so to sue you and the debt was from like 16 years ago. They are scum of the earth and not a legal office at all.
Whatever it is you guys fwd them now to me as an
emaiI to:
Naamwynn65
GmaiI
I dont pay them a cent.
😂 someone said "if they were stupid enough to take on a debt I didn't pay what makes them think I'm paying them?"
I have a question, if you got the collections account removed from your credit report do you have to pay it ?
No. But i would research the laws in your state.
Serious question: can all debt collectors have it removed from your credit? I tried having that done with ERC and it was literally like going in circles
From what I’ve heard, yes and no.
Yes if they own the debt.
No if they are just assigned to collect from the original creditor.
Simply ask the collection agency if they are the owner of the debt or assigned to collect
Are you trying to pay on full? I have one Witt them for $511. I’m be wrong if I should offer 15% or pay on full to get the pay to delete letter.
But the debt will fall off in 2 months so I could offer $50 bucks and they will pay to delete 😊
Not all debt collectors will remove the debt unfortunately. If they own the debt they will more likey will, if not they won't be able too.
I would ask them if the own the debt and to prove it. If they don’t own the debt and can’t remove it from your report, do you even want to pay it ? I’d do some research.
this is good stuff. i think you should delete that other video, it has all kinds of wrong stuff.
Keep one thing in mind..the creditor has rights too.