▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 📫 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/ ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
I just downloaded the free letters and wow !!! I've seen a lot of dispute letters on the internet and letter #2 by far is the best written and detailed one to date ❤❤❤❤❤
I'm being sued in 4 law suits from LVNV ranging $1,000 to $1,500. Only did an answer to the suits with in the 30 days. I want to send a debt validation letter however, I'm out of the 30 day timeframe. I'm in Broward County, FL
I’m in Florida just got sued for a debt. And I was in a debt validation program where I had a lawyer. I was paying them to take care of the debt and that was almost 4 years ago and now I randomly got a summons that shows I’m being sued for that debt
I live in Arizona and am being sued by Portfolio Recovery Assc. LLC. Alleged debt is $1268.00 and today, 11/7/2023 i filed an answer to their lawsuit. With only 20 days to respond i am overwhelmed and now feel my answer was weak at best and that ill surely lose this case. I am finding conflicting info about the statue of limitations in Arizona, one says 3 years others say 6 years. I do not recall owning this debt and have limited info as to whether i actually owe this debt or whether they are within their statue of limitations.
The trick to Portfolio is finding out how they broke the la in your case-if they did, most lawyers won't charge you anything up front to help you. They'll get paid by the other side.
I am located in Florida and I am currently being sued by Portfolio Recovery Associates for $8400.00. They have filed suit but I have not been served yet.
What if I moved from Ga to OAK and then got served? But due to DV (my spine was broken) working is not as available and my court-ordered support is gone as he died.
Talk to the Legal Aid or Legal Services organization near you-based on your situation it sounds like you may qualify for free legal help. Also, if you got served in California for a GA lawsuit, the debt collector is probably breaking the law.
If you get sued, definitely talk to a lawyer in your state. We don’t have any Utah connections right now, but you can look for lawyers near you who handle FDCPA claims.
If there is a judgement against you, and you are past the 30 day mark. Can you still use a dispute letter. Case since 2007. Hadnt been served. Just now looking up on line that they sent to the wrong address with court papers they have filed against me. Saying that I defaulted.
If there's a judgment against you, this is probably too late, since the court has already determined that you owe money and how much. But fi you never got served, a local lawyer can help you challenge that if you've got proof.
I love your videos - I'm binge-watching them. I am in NC and have received a letter from RAS LaVrar that they intend to collect on a charged-off debt I orginally had with Chase Bank. Then today I'm served with court documents stating that CHASE BANK has filed suit against me for the same debt. How can this be?
We're glad you like the videos! Chase usually keeps their debt in-house, even after it's been charged off. It sounds like they hired RASLaVrar to sue you.
I live in Michigan, and I am being sued by Munson healthcare for $4551.23 dating all the way back to 11/28/2016 (veto law office are their attorneys) My situation is a little bit different. I received the Summons a couple days before I went on vacation to Florida (January, 19)The day I got it I panicked, and called Veto Law Office to explain to them that I was leaving and I would be gone for a month or so, and I asked them if I could set up a payment plan and they said yes but they had to send me something to fill out and sign. About a week after when I got back I finally went to the post office and there I received a Default Request, Entry and Judgment (SUM CERTAIN) (March, 28) I have been soooo stressed out over this. I'm losing sleep, I can't eat, I'm a wreck. From there I tried calling a few lawyers, but none of them got back to me yet (I live in a small town) I am already paying off Munson Healthcare bills so I was confused as to why I got this. When I called to make my weekly payment, the lady on the phone told me that the 1,000 I'm making payments on right now is different from the bills I received from Veto Law Office. I just paid a bill I got in the mail while all of this stuff was happening that was for 300 but they said if I paid it soon they would only charge me $78 for it. I looked at the statement Veto sent me and the dates are the same on their statement, and the bill I just paid. There are a few more that are the same too. I don't want to be double charged. I have no idea what to do, I'm extremely lost and frankly a little scared. To top it off I am currently on unemployment until it warms up (I do construction) Do I still have time to send a Debt Validation Letter? They sent me a page that shows what I owe and the dates, but it doesn't show the whole reference number so I can't compare it to the bills I already paid. I don't want them to have all of my banking info. I don't trust them to give me a receipt or to not double charge me. Do you think I could do a settlement? Honestly, I just need a little guidance. I appreciate you taking the time to read this. Thank you, you're a lifesaver! Oh, and I want to avoid going to court as much as possible. Should I call them and ask if I can make a settlement?
That’s a question it’s going to be very specific to Michigan law, and the nature of the debt collector that you are dealing with. I would look for a debt collection defense lawyer near you, or at least in your state.
Ever hear of Central Portfolio Control? They dropped a collection on my credit file and I know it’s not mine so I sent a letter to them requesting them to send proof and they sent me a letter of “we can negotiate a different amount for you to pay “ 😡😡. I just recently got somebody else’s collection off my report and now another one! Bureaus say “verified”. This credit game defeats me daily 😩
It sounds like CPC may have broken the law by attempting to "collect" the debt (by offering a bogus settlement) without providing the required verification. Keep an eye on them.
How do we know if being sued? Haven’t got any mail only have got emails from LVNV and they just reported to Experian. It’s a 50k debt so I know I need to get on offense first. I’m also now sure which address they have as I’m currently in VA but was in FL when I got the loan from the original creditor
We work together with a lawyer who may be able to take Oklahoma cases-if there's a violation we can find under the FDCPA, maybe we can help you. Give us a call at the office today.
You helped with a debt I had with lvnv awhile back and I'm grateful. But I also now have another one claimed by lvnv. This one is very small only 450. They have not taken it court and it is small so it's not worth hiring you to handle it. How would you suggest I fight it and get it removed from my credit report.
If we've already helped you with LVNV, I'm 100% sure we can help you with LVNV again, **no matter how small.** Call or email us first thing Monday morning: ricardolaw.com/contact/ We'll set up an appointment and take care of you again.
I've had a few court filings from Calvary Portfolio. I'm in Tennessee. Right now I only have two collections. One was from a medical bill where I was still in the process of suing the person who injured me. The other is Astra for Speedy Cash. I'm deciding now what to do about them. Neither has taken me to court
Texas, sued by Portfolio Recovery Associates. $4200. Submitted a answer to the lawsuit. They sent me the paper copies of past bills. I'm due in court on the 19th. What can I do?
I live in Texas and was served law suit papers by a county clerk. The company is Velocity Investments, LLC for the amount of $4,676.83. I just sent the court and lawyer an answer letter and denied all allegations. Both parties received the letter today. Included in the documents was a copy of the original loan. Should I still send a debt validation letter?
If a debt collection is trying to connect from a old account/or loan from my training center, That, I thought was closed. Do to the fact, I sent the information they requested. At the time, I was in an auto accident, which was verified by doctors' reports. Can I go back to the business and ask for that old bill information?
Hello thank God I found this video. I received a letter from the court today getting sued by LVNV to go to court next month. I was trying to fight back a derogatory statement they put on my credit report, both comeback verified and did not owe any penny to that company, and they still trying to get money from my pocket. What I should do? I’m in Massachusetts. I forgot it’s for 626.00
Hello, I have a 2016 Hyundai Elantra(financed) and I owe 10k(it hasn’t gone down since I got it out the lot and it’s been over a year now). If I volunteer surrender. The bank would auction the car and I would only have to pay the difference. If I can’t pay the difference (which the due date would be within a month), they would send it to collections. Currently, I can’t pay anything as of now. If it goes downhill, should I worry about collections?
I have a question! About 6 years ago I took a lone for $3,500 it was a “car loan” I was making my payments on it everything was fine. About a year after they changed the loan from a car loan to a personal loan without any of my knowledge or signatures I than stopped paying on it. Is there anything I can do about this? This debt is supposed to fall off in 2023 should I just leave it alone? I don’t know what I should do.
How you respond will depend on state law, and whether they are suing you. You need to speak with a lawyer in your state. If you're in Florida, that's us. ricardolaw.com/contact/
Hello I'm being sued by a debt collector but I've never received any information other than the paperwork to accept service. I made contact with the collector and I didn't receive anything stating that I have 30 days to dispute or a debt validation letter. In this case what do I do. I sent a debt validation letter, but they're still collecting, they haven't responded, they haven't updated my credit report, and I only have two pieces of paper for court.
If you're in court, that's a legal emergency. You need to speak with a lawyer in your state right away, or you're going to get a judgment entered against you, and that can lead to wage garnishment or worse.
I'm in Iowa. Already got served a judgement last Dec. Just got a letter from their office in Des Moines, asking for pmt. All from a credit card default for $1,200 I'm so sick of this harrassment. I own nothing but my car, live barely on disability and food stamps, all my supplemental income stopped since covid. I have no energy to deal with these demons. They can't freeze my bank acct bc it's disability. Advice?
Hi. Thank you for your videos on debt collections. You are a life saver. I live in New Jersey. I just received a letter stating that I am being sued by LVNV and I have about 30 days to "answer the complaint". I want to send a debt validation form; however, I do not know how to go about it. Do I send a written debt validation letter to the collectors, their lawyer, and the court? What should I ask them to verify? Is there a template that is used? or Do I call the collectors and ask them to validate this debt? May you please let me know what my steps are. Thank you.
>I have about 30 days to "answer the complaint". I want to send a debt validation form This is not an "Answer." If you've been sued, you need to find a NJ lawyer who can help you.
I’m being sewed by midland and I know the date of my last payment to Best Buy is wrong and I sent a letter to them and they still have started a lawsuit
But I have heard some attorneys say not to ask for all this validation. If you do, it helps them provide evidence to the courts if they don’t have it. Wouldn’t it be better to wait til the trial and ask for the evidence? Then if they don’t have it, they can’t prove anything. If you ask for it before the trial, that gives them time and the motivation to get the proof, this no having more evidence for the trial.
Hello Sir, this video is much appreciated! Thank you. Please remind me of how break this "contract" with Shellpoint. They have doubled my payments produced false documentation and fails to send correspondence through my attorney. I have tried to stop making payments and the have threatened foreclosure. Thank you .
A credit card company is almost always an "original creditor" not a "debt collector" and so the FDCPA would not apply; this means they have no obligation to respond or report the dispute.
AMAZING CONTENT AND KNOWLEDGE! I have a case that was dismissed without prejudice in Florida from Presolve. I had no knowledge that I was being sued because I was never served. This was dismissed on 10/28/21 (without Prejudice). Can I now 10/15/22 ask for this to be removed from my credit report?
Thanks! By itself, dismissal, for lack of service, isn’t enough in most cases to claim that your credit report is mistaken, somehow. You have a right to dispute anything on your credit report that is in accurate, incomplete, obsolete, or unverifiable. A dismissal, with prejudice, based on lack of service usually doesn’t rise to that level.
Debt collector call me and say i needed to pay a debt they text me a latter with the amount of the debt but in this inbox i notice the address is incorrect so how do they send me a validation letter I text back to them saying i dispute and need a validation latter by text because they don't know mi address
I am in Florida and was just served a court summons by Security Credit Services, LLC... They've never reported anything on my credit or even tried to collect a debt until now... They did however include 2 or 3 statements from the creditor in order to validate the debt. I have 20 days to respond, how should i respond?
Hello sir, I received an affidavit of service from Goldman sachs Bank. I would like to know if I already missed the court date or it still coming up? Thank you
i am being sued by Credit Acceptance for a car that I had a co-signer on. They are not going after the cosigner proboley because he gets social security but they are just coming after me only. the so signer was paying half the bill but stopped! Now they are suing only me. I have only a few says to respond. I know they will go after a default judgement!
Hello, I'm in Illinois and just found out that a debt collector reported on my credit bureau. A debt i have no idea about nor have i been contacted by them. I have disputed it with Experian since i have an account with them. What will be the best advice you can give me? Thank you in advance!!!
I just found out LVNV is sueing me but I haven't got no court papers yet. How would I go by this?? I also got another letter from a debt Scott Associate debt letter dat there trying to collect with LVNV too. How would I go by this too I live in Texas.
Got a call a few hours ago saying I owed a $300ish dollar balance for failure to properly cancel a gym membership. Guy was super rude and aggressive from the start demanding payment or "they" would charge another $2000 in attorney's fees. Hung up and did some research. Emailed them saying if they could provide proof of the debt and that they own it I could make arrangements to pay it. He told me to call the gym's finance company and ask who they sent the debt to. Should I respond with a direct "I am disputing" statement and request validation by mail?
I got a notice of intention to file a lawsuit in California from Cavalry Spv I,Llc I called them (cavalry)to ask for a debt validation letter . But said that my account was being handled by Qualk Cardot llp and I would have to call law firm . But my debt is over 4 years old but it was purchased by cavalry 6 months ago It shows up on my credit report as 6 month old debt. But I’m wondering how to call them I’m confused on how to handle it.
Ohio. Havent responded yet as I'm confused what I should do. Certified letter was left at my house when noone was home to sign. Do I wait for a second letter?
In PA, being sued by LVNV for $5,000. I sent my dispute letter and they mailed me by original agreement. In that agreement is an arbitration clause, that says either party can elect arbitration and that the will pay for it. My suit is in small claims court, if they would show up, can I request to the judge that I would like to utilize the arbitration that’s in my agreement? I’ve researched that arbitration can cost around $1200, so I’m thinking that mi t be an expense that might not make it worth pursuing. Thanks for your time
Read the arbitration guidelines. Many of those agreements (or the guidelines that come with them) require the other side to pay the arbitration fees and costs up front. I will also tell you that in Florida, we've found LVNV very good to work with directly (at least for those people who hire us) and we don't even need to get to that point.
How do you know if you are being sued by lawsuit is the original creditor or debt collector? Do yo send debt validation to debt lawyer or creditor/debt collector?
If you've been sued it should say in the complaint how this Plaintiff has the right to sue. Your lawyer (you are going to talk to a lawyer, right?) should be able to explain it.
Because we're not in Colorado, we can't tell you what your rights are under Colorado law. But in Florida, I'd be looking at that letter to see if the debt collector had broken the law by trying to recover a debt they no longer had a right to collect.
If I dispute debt (LVNV) via the credit companies would be that a valid notice of disputed debts? If property under living trust or life trust would it be protected? Tried to find one of the attorneys online on California but none of them returned my calls. It may be that I am judgment proof (SSI,SDI, and Food stamp)? Called three that made videos but none interested to call back…any help appreciated
A dispute to the credit bureaus is NOT the same as a dispute to the debt collector. I can't tell you how California law might protect your assets. California has thousands of lawyers. Keep trying until you find one who can help you.
Do you have a debt validation letter outline anywhere to use? Also, do I send the validation letter to their lawyer or directly to the collection agency?
We have several videos exposing exactly what to put in your letter. Send the letter directly to the debt collector, but if they already have a lawyer, you’d better lawyer up, too. If you’re in Florida, contact us here: ricardolaw.com/contact/
I just received a letter from United Collection Bureau for a medical debt. I was in a car wreck (victim), and the party at fault's insurance company is responsible for the bills and they DID pay the hospital. Every single bill I received, was forwarded to their insurance company and was paid, but the hospital sent a portion of it to collections. Should I respond as "Not my debt", or "Amount is wrong"? And what information should I request as validation since this is a medical debt? I have gone through my hospital bills and payments, and I cannot make sense of where this amount is coming from. Thanks!
If it was paid in full just say that. If they sue you, your payments are a defense and you should win. If they report it on your credit report, and the amounts are in accurate, you can dispute that. If they’re just sending you letters, and it’s not A debt that you owe, you can even sue them.
I'm not being sued but I have a debt collector that showed up on my credit report. I've never had contact with them in writing, by email, or by phone. But it just showed up on my credit report??? Is this in direct violation of 15 USC § 1692g(a)? I never heard from them so I did not get the window to ask for validation/verification before they placed it on my report.
I’m from Michigan, I was sued by LVNV, I filed for a motion to compel arbitration, was granted that, would it be wise to send a debt validation letter to them now? I tried through the Credit Reporting Agencies and it didn’t work, it was never verified
> would it be wise to send a debt validation letter to them now? It probably can't hurt. Are you going into the mediation by yourself, or do you have competent legal counsel by your side?
I have court tomorrow morning and I’m very confused on what to say so I want get a judgment against me. I’ve sent debit validation letter twice and no response just a couple of statements. Also my first form of communication was a court summon. Do I admit the debit or deny do to lack of information?
I have not had anyone try to sue, but my medical bill was sent to collectors. I followed your guidance on disputing. But if I still see they payment is able to be paid directly to the original creditor online (and if I can afford to pay ) should I bother sending the dispute? Or is it better to dispute and then pay it if I can?
It depends on what you're trying to accomplish and how they're interacting with you. Most medical debt going forward won't be reported on your credit report if you pay it, so that's probably a good idea if the original creditor will still take payment.
I live near Milwaukee, Wisconsin, and I saw a bankruptcy lawyer about my debts. Instead of negotiating a settlement with these junk debt collectors, the attorney I met with suggested that I should just declare bankruptcy. I don't believe he gave me the best advice. I think he's uncomfortable negotiating settlements. I don't want to declare bankruptcy, yet I'm not experienced enough to negotiate with these debt collectors myself. Do you know of any good debt collection defense lawyers in Milwaukee?
LVNV and are Rergeant Receivable both are suing me ( Idaho) I filed motion to compel arbitration and was granted on both with a “ Stay” in place.. deadline for Sept 30 and Nov 3rd- their attorney made a comment in court that I was responsabile for filing fees- However - why would I initiate a lawsuit against myself.. Question: do I have the burden to file, or is it their burden to file? They have a summary of Judgement waiting to be addressed if we go back to district courts? Please’ I’m Pro se’ so far I’ve done well following numerous channels but I reached out to legal aid for possible legal representation or advice and found out the attorney volunteers for their program so conflict of interest eliminated me.. before my motion to compel I answered with Affirmative defense - burden of proof and unknown plaintiff
Unfortunately, we can’t give you any information about how to try your case in Idaho. Every state is different common has different procedures. I’m hoping you’ll find an Idaho lawyer to help you out with this.
HELP!!!🤐 the people who randomly pull our consumer report can they see our security number ?? and could I have all types of collection taken off report because we didnt give permission to them to put the collection on our report ?? and or because we want the collection to be private an their violating our privacy to not have them on our report??? Thank you for your time🤭
This is the letter you used to respond to any initial communication for a quote debt collector and put under the FDCPA. If you’re auto loan company is a debt collector, and not the original predator, then the law gives you the right to enforce this letter. Otherwise, they might just simply ignore it.
I am being sued my Midland credit i sent a debt validation letter and never got anything back its been less than 30 days but they wrote on my credit report that it was disputed and meets FCRA requirements. Do I have grounds to sue them?
Good morning, I've watched your videos and you've mentioned using a certain dispute letter from the cfpb but the link doesn't take me to the letter. Can you help me please? LVNV sent a process server while I was out of state, the process server looked up my vehicle registration and told me cousin "the vehicle registration on this car is registered to this address and is in her name" that's illegal!!! She gave my personal business to someone else other than me AND told her it was from LVNV lawsuit. I thought THAT was illegal too!! I'm trying to file a complaint and send the letter you suggested.
The form letter is here: www.consumerfinance.gov/rules-policy/regulations/1006/2021-11-30/b/ >LVNV sent a process server while I was out of state, What state did they try to serve you in, and why were you out of state? >She gave my personal business to someone else other than me AND told her it was from LVNV lawsuit. In Florida, the process server is required to inform the recipient of the contents of the papers, if they are someone who lives together with the person to be served.
I live in California and I recieved a pre-legal notice from Midland. I sent them a debt validation request asking for a legal document showing that I'm obligated to pay them, the original creditor and account number, an original account statement showing the charges that they claim that I owe, and a explanation of how they obtained that information. They sent back a letter saying that according to their records, the debt is valid. They went on to show a letter showing when the account was transferred to them, the address to the original creditor, etc. but they did not send me any information I asked for. Additionally, in the letter they wrote, they claim the last known address the creditor has on me is an address that I lived in 10 years before the they claim I opened the account. There's no way that I would use an address I lived in 10 years ago to open an account if I were to do that. This is clearly a misunderstanding. How do I respond to them?
hey mike so got a letter from MCM about a credit card i stopped making payments on in 2020..the letter is saying i owe 1400 and if i dont contact them or make a payment it might go to their attorney's..i question is what can i do..obviously yes i did use the card and things happen and wasn't able to make payments so my question is what are my options? also im in California
I can't advise you on California law but: 1. You can send a debt validation letter in response to debt collectors like Midland. That federal law applies everywhere in the US. 2. Getting sued may be a good thing, especially for a debt of this size. Check out our video about that: ruclips.net/video/lUF0xqaFexk/видео.html 3. If you do get sued, a good lawyer can crush them before they even get rolling. You'll want one near you in Cali.
Thank you for the video! I got a call from the iq data international, a collection company saying I owed my previous landlord $2000 damages after I moved out from the renting apartment two years ago. I followed your instructions and the collection agency refused to send me the written documents about the charge details. He said he already sent me. However, I never received it and they refused to send me again. And he said I refused to pay and will move on to the collection process and hanged up my phone! What can I do?
Stop talking to them on the phone. Tell them to put everything in writing, or they can stop contacting you at all. If they break the law by disobeying that request, you can sue them for damages. If they're suing you, they have to provide proof of their claim.
Hello, I'm in Ca. My question is, can I used the debt validation letter with the Dept. of Treasury. I had a Line of Credit for my business, Sole Prop, in 2007 with Wells Fargo, then Recession hit. I just received a letter from the Treasury saying I have a defaulted debt with the SBA. The Wells L.O.C. is the only account I can think of, however I'm not 100% sure. I vaguely remember them saying the account was SBA backed, but payments went to Wells. Either way, its been over 10+ years. The only thing I can think of is, since our business was recently approved for the EIDL, I'm wondering if that just stirred up a collections letter. Any advice is greatly appreciated! Thank You!
The FDCPA does not apply to government agencies. It might apply to Wells Fargo or other companies that took over the debt after it was in default, But generally speaking, defaulting on SBA loans is a very bad idea, because the full way to the government comes down on you.
@@RWlawFL Thank you I understand. I've been in good standing with all creditors once recovered from the recession. That's why this is shocking to me. 1. Would you advise to write a debt validation letter since I'm honestly unsure of what this is for? 2. Is there a statue of limitations with the SBA? Thank you for your help!!
If you’re dealing with the US Department of the treasury, none of the normal rules apply. You can and probably should write them to ask them for as much information as possible, but the reality is that this loan will follow you around forever until you resolve it with the federal government. If the debt is for a substantial amount, you probably need to hire a lawyer. Also, somethings that I didn’t point out in my first response is it if this is a business loan, nothing in the FDCPA will apply to you because this is not a consumer debt. As a business debt, you have far fewer protections than a consumer debtor would. You’ve got to figure out a way to fix this.
So I found out that im going to be sued by Portfolio Recovery by solicitations from lawyers via postal service. I am in the Florida panhandle and currently disputing all of the negative items on my credit report. I have not received anything official yet but did look on my counties website and it does list the suite filed on 10/11/22. The Civil Cover sheet states that the debt is UNCONTESTED! Again I havent received notice of any kind about the lawsuit. Can you provide some assistance. I have no legal representation.
There are a TON of good FDCPA lawyers in Illinois, mostly based in Chicago. Try James Vlahakis www.atlasconsumerlaw.com/attorney-leadership-profiles/james-c-vlahakis/
Reposting on your most recent video. I don't mean to spam! My question is... Does a debt collector (attorney for an original creditor) need to notify me of my rights as stated in 15 U.S. Code § 1692g within 5 days? I was served with only a Summons and Complaints and they were the first communication, taking place on Apr 22. I filed an answer to the complaints over a week ago and they have not contacted me at all nor have they filed any additional documents with the court. Is the responsibility on me at the beginning stages of the lawsuit to reach out to them? (Nevada). Additional notes: Four Complains total. (1) Juridisction/County (agreed), (2) That I opened an account (no dates) (3) That they sent me statements (4) and the amount $1700. I denied the last three.
Actually after reading a bit further, 15 U.S. Code § 1692g(d) implies that Pleadings/Complaints do not count as initial communication with the consumer. Furthermore, several courts have ruled in favor of debt collectors by defending this implication. I think...
If you're in Florida, we may be able to help (That's the only state we're licensed in). Give us a call: ricardolaw.com/contact/ If you're not in Florida, we might be able to help you find a lawyer in your state.
HELP!!! Someone PLEASE tell me. How Collection buy as sell our infor for service they didnt give us. and sue how is this a legal business. Its like the BLACK MARKET IN OUR FACE 🤔😚😭🤐🤐
Thank you for these videos I have a small claim case . Bank of America « hired a local lawyer » for a credit card that has been sent to collection since end of 2018. Went to a Pre-trial ( via phone call) and they tried to make it settled through Mediation. I asked to send me doc that shows me that the debt in mine. And then few weeks later after I received a statement and talk to the pretend lawyer representing the Bank, I asked him that even if the credit card was mine and we decided to settle, after paying off that Debt will it be off of my credit report ??? he answered that they don’t deal with those part and stuff. But over all I don’t believe this is professional representation. Because when I received an email from the lawyer, I see a lot of spelling /grammar errors that get to my attention. Like this : THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THI IS A ATTEMPT TO COLLECT A DEBT. ANY ONFORMATION OBTAINED SHALL BE USED FOR THT PURPOSE. Also why it say this is a communication from DEBT COLLECTOR ?? If it says that I am being sued by the bank NOT THE DEBT COLLECTOR PLEASE HELP ME UNDERSTAND WJAT THEY ARE REALLY HIDING THANK YOU IN ADVANCE
What if the debt was never on my credit report in the first place. if I send a letter to verify and it comes back as verified can they start reporting it on my credit report i live in Pennsylvania the debt is from 2013
They could report it on your credit whether or not you dispute it or they verify. But if the debt has been unpaid since 2013, it's almost certainly too old to report.
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
📫 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/
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
If you WERE, and can prove it, then you have legal remedies. If you "might" and you're not sure, that's going to end badly for you.
Find out.
What if we can not afford a lawyer 😔
We recently posted about that: ruclips.net/user/postUgkxkQAX0gN1wz4VlcKCW5V6eKjS9Fv1ruft
I just downloaded the free letters and wow !!! I've seen a lot of dispute letters on the internet and letter #2 by far is the best written and detailed one to date ❤❤❤❤❤
Thanks for the love!
I'm glad the letters are working out for you.
Anyone else looking for them? See here:
rwlaw.gumroad.com/l/letters
I'm being sued in 4 law suits from LVNV ranging $1,000 to $1,500. Only did an answer to the suits with in the 30 days. I want to send a debt validation letter however, I'm out of the 30 day timeframe. I'm in Broward County, FL
Call us right away. 352-567-3173
Midland i jus got an letter from an attorney for civil court
If you're in Florida, call us today.
If not, check out our latest video on how to answer a lawsuit.
I just got a lawsuit from Citibank. But the really pressured me during the pandemic. Then ran an agreement thru my bank 3x causing overdraft fees
In Georgia, call Steve Koval: (404) 350-5900 and let him know we sent you.
I’m in Florida just got sued for a debt. And I was in a debt validation program where I had a lawyer. I was paying them to take care of the debt and that was almost 4 years ago and now I randomly got a summons that shows I’m being sued for that debt
That's exactly what we help people with. Give us a call today.
I live in Arizona and am being sued by Portfolio Recovery Assc. LLC. Alleged debt is $1268.00 and today, 11/7/2023 i filed an answer to their lawsuit. With only 20 days to respond i am overwhelmed and now feel my answer was weak at best and that ill surely lose this case.
I am finding conflicting info about the statue of limitations in Arizona, one says 3 years others say 6 years. I do not recall owning this debt and have limited info as to whether i actually owe this debt or whether they are within their statue of limitations.
The trick to Portfolio is finding out how they broke the la in your case-if they did, most lawyers won't charge you anything up front to help you. They'll get paid by the other side.
Awewsome video!!
Glad you enjoyed it!
I am located in Florida and I am currently being sued by Portfolio Recovery Associates for $8400.00. They have filed suit but I have not been served yet.
Call us today.
LVNV along with Mandarich is suing in California now and made a lawsuit against me. w no offers or settlement.. so Im responding
Definitely don’t ignore it. Also you should strongly consider talking to a lawyer near you to make sure you respond properly.
What if I moved from Ga to OAK and then got served? But due to DV (my spine was broken) working is not as available and my court-ordered support is gone as he died.
Talk to the Legal Aid or Legal Services organization near you-based on your situation it sounds like you may qualify for free legal help.
Also, if you got served in California for a GA lawsuit, the debt collector is probably breaking the law.
I was sued for owning $96 now the balance is $500 and I had insurance and they bill me self pay in UT
If you get sued, definitely talk to a lawyer in your state. We don’t have any Utah connections right now, but you can look for lawyers near you who handle FDCPA claims.
NJ Midland funding. Where can I get a copy of a debt validation letter and dispute?
rwlaw.mykajabi.com/
If there is a judgement against you, and you are past the 30 day mark. Can you still use a dispute letter. Case since 2007. Hadnt been served. Just now looking up on line that they sent to the wrong address with court papers they have filed against me. Saying that I defaulted.
If there's a judgment against you, this is probably too late, since the court has already determined that you owe money and how much.
But fi you never got served, a local lawyer can help you challenge that if you've got proof.
I love your videos - I'm binge-watching them. I am in NC and have received a letter from RAS LaVrar that they intend to collect on a charged-off debt I orginally had with Chase Bank. Then today I'm served with court documents stating that CHASE BANK has filed suit against me for the same debt. How can this be?
We're glad you like the videos!
Chase usually keeps their debt in-house, even after it's been charged off. It sounds like they hired RASLaVrar to sue you.
I live in Michigan, and I am being sued by Munson healthcare for $4551.23 dating all the way back to 11/28/2016 (veto law office are their attorneys) My situation is a little bit different. I received the Summons a couple days before I went on vacation to Florida (January, 19)The day I got it I panicked, and called Veto Law Office to explain to them that I was leaving and I would be gone for a month or so, and I asked them if I could set up a payment plan and they said yes but they had to send me something to fill out and sign. About a week after when I got back I finally went to the post office and there I received a Default Request, Entry and Judgment (SUM CERTAIN) (March, 28) I have been soooo stressed out over this. I'm losing sleep, I can't eat, I'm a wreck. From there I tried calling a few lawyers, but none of them got back to me yet (I live in a small town) I am already paying off Munson Healthcare bills so I was confused as to why I got this. When I called to make my weekly payment, the lady on the phone told me that the 1,000 I'm making payments on right now is different from the bills I received from Veto Law Office. I just paid a bill I got in the mail while all of this stuff was happening that was for 300 but they said if I paid it soon they would only charge me $78 for it. I looked at the statement Veto sent me and the dates are the same on their statement, and the bill I just paid. There are a few more that are the same too. I don't want to be double charged. I have no idea what to do, I'm extremely lost and frankly a little scared. To top it off I am currently on unemployment until it warms up (I do construction) Do I still have time to send a Debt Validation Letter? They sent me a page that shows what I owe and the dates, but it doesn't show the whole reference number so I can't compare it to the bills I already paid. I don't want them to have all of my banking info. I don't trust them to give me a receipt or to not double charge me. Do you think I could do a settlement? Honestly, I just need a little guidance. I appreciate you taking the time to read this. Thank you, you're a lifesaver! Oh, and I want to avoid going to court as much as possible. Should I call them and ask if I can make a settlement?
That’s a question it’s going to be very specific to Michigan law, and the nature of the debt collector that you are dealing with.
I would look for a debt collection defense lawyer near you, or at least in your state.
Ever hear of Central Portfolio Control? They dropped a collection on my credit file and I know it’s not mine so I sent a letter to them requesting them to send proof and they sent me a letter of “we can negotiate a different amount for you to pay “ 😡😡. I just recently got somebody else’s collection off my report and now another one! Bureaus say “verified”. This credit game defeats me daily 😩
It sounds like CPC may have broken the law by attempting to "collect" the debt (by offering a bogus settlement) without providing the required verification.
Keep an eye on them.
Colorado , LVNV suing for 1400
A good debt defense lawyer in Colorado can get that thrown out. I don’t have one in my Rolodex now, but it’s worth it to you to find one.
Lvnv funding is taking me to court, I notice that they are not Licensed to collect in Texas. What should I do?
Call Texas lawyers Bill Clanton and Daniel Ciment.
How do we know if being sued? Haven’t got any mail only have got emails from LVNV and they just reported to Experian. It’s a 50k debt so I know I need to get on offense first. I’m also now sure which address they have as I’m currently in VA but was in FL when I got the loan from the original creditor
They have to give you notice of the lawsuit in the form of a summons, served by a process server-at least in Florida.
I just got served by Cavalry in OK. They are seeing me for just over $11 k what can I do?
We work together with a lawyer who may be able to take Oklahoma cases-if there's a violation we can find under the FDCPA, maybe we can help you. Give us a call at the office today.
You helped with a debt I had with lvnv awhile back and I'm grateful. But I also now have another one claimed by lvnv. This one is very small only 450. They have not taken it court and it is small so it's not worth hiring you to handle it. How would you suggest I fight it and get it removed from my credit report.
If we've already helped you with LVNV, I'm 100% sure we can help you with LVNV again, **no matter how small.**
Call or email us first thing Monday morning:
ricardolaw.com/contact/
We'll set up an appointment and take care of you again.
Ldmv and portfolio I have never seen a letter nor do I know anything about it
How did you learn about them?
I've had a few court filings from Calvary Portfolio. I'm in Tennessee. Right now I only have two collections. One was from a medical bill where I was still in the process of suing the person who injured me. The other is Astra for Speedy Cash. I'm deciding now what to do about them. Neither has taken me to court
It sounds like you already have a Tennessee lawyer-I'd ask them first.
Texas, sued by Portfolio Recovery Associates. $4200. Submitted a answer to the lawsuit. They sent me the paper copies of past bills. I'm due in court on the 19th. What can I do?
In Texas, contact lawyers Bill Clanton or Daniel Ciment.
I live in Texas and was served law suit papers by a county clerk. The company is Velocity Investments, LLC for the amount of $4,676.83. I just sent the court and lawyer an answer letter and denied all allegations. Both parties received the letter today. Included in the documents was a copy of the original loan. Should I still send a debt validation letter?
You should talk to a Texas lawyer right away. Call Bill Clanton or Daniel Ciment.
Is there an attorney for debt issues that you could recommend in Virginia?
Bob Murphy. (434) 328-3100
If a debt collection is trying to connect from a old account/or loan from my training center, That, I thought was closed. Do to the fact, I sent the information they requested. At the time, I was in an auto accident, which was verified by doctors' reports. Can I go back to the business and ask for that old bill information?
I don’t understand what you’re trying to accomplish here.
Hello thank God I found this video. I received a letter from the court today getting sued by LVNV to go to court next month. I was trying to fight back a derogatory statement they put on my credit report, both comeback verified and did not owe any penny to that company, and they still trying to get money from my pocket. What I should do? I’m in Massachusetts. I forgot it’s for 626.00
> What I should do? I’m in Massachusetts
You've been sued in Massachusetts so you need to speak with a Massachusetts lawyer right away.
I disputed the debt over a year ago and they still been harassing me a year str8
If you've disputed the debt and you're in Florida, contact us right away:
ricardolaw.com/contact/
Hello, I have a 2016 Hyundai Elantra(financed) and I owe 10k(it hasn’t gone down since I got it out the lot and it’s been over a year now). If I volunteer surrender. The bank would auction the car and I would only have to pay the difference. If I can’t pay the difference (which the due date would be within a month), they would send it to collections. Currently, I can’t pay anything as of now. If it goes downhill, should I worry about collections?
Collections could be a worry, yes.
I have a question!
About 6 years ago I took a lone for $3,500 it was a “car loan” I was making my payments on it everything was fine.
About a year after they changed the loan from a car loan to a personal loan without any of my knowledge or signatures I than stopped paying on it. Is there anything I can do about this? This debt is supposed to fall off in 2023 should I just leave it alone? I don’t know what I should do.
How you respond will depend on state law, and whether they are suing you. You need to speak with a lawyer in your state.
If you're in Florida, that's us. ricardolaw.com/contact/
Hello I'm being sued by a debt collector but I've never received any information other than the paperwork to accept service. I made contact with the collector and I didn't receive anything stating that I have 30 days to dispute or a debt validation letter. In this case what do I do. I sent a debt validation letter, but they're still collecting, they haven't responded, they haven't updated my credit report, and I only have two pieces of paper for court.
If you're in court, that's a legal emergency. You need to speak with a lawyer in your state right away, or you're going to get a judgment entered against you, and that can lead to wage garnishment or worse.
I'm in Iowa.
Already got served a judgement last Dec.
Just got a letter from their office in Des Moines, asking for pmt.
All from a credit card default for $1,200
I'm so sick of this harrassment.
I own nothing but my car, live barely on disability and food stamps, all my supplemental income stopped since covid.
I have no energy to deal with these demons.
They can't freeze my bank acct bc it's disability.
Advice?
Advice: Speak with a lawyer in Iowa who knows Iowa law. They're the only ones who can help you.
Hi. Thank you for your videos on debt collections. You are a life saver. I live in New Jersey. I just received a letter stating that I am being sued by LVNV and I have about 30 days to "answer the complaint". I want to send a debt validation form; however, I do not know how to go about it. Do I send a written debt validation letter to the collectors, their lawyer, and the court? What should I ask them to verify? Is there a template that is used? or Do I call the collectors and ask them to validate this debt? May you please let me know what my steps are. Thank you.
>I have about 30 days to "answer the complaint". I want to send a debt validation form
This is not an "Answer." If you've been sued, you need to find a NJ lawyer who can help you.
I’m being sewed by midland and I know the date of my last payment to Best Buy is wrong and I sent a letter to them and they still have started a lawsuit
If you've disputed the debt and you're in Florida, contact us right away:
ricardolaw.com/contact/
But I have heard some attorneys say not to ask for all this validation. If you do, it helps them provide evidence to the courts if they don’t have it.
Wouldn’t it be better to wait til the trial and ask for the evidence? Then if they don’t have it, they can’t prove anything.
If you ask for it before the trial, that gives them time and the motivation to get the proof, this no having more evidence for the trial.
What they need to prove in court is a lot more than they'll ever give you in response to a validation letter.
Do you have a referral for Arizona? What type of Lawyer should I be looking for (practice).
Call John Skiba right away. If he can't help you, he should know someone who can.
Hello Sir, this video is much appreciated! Thank you. Please remind me of how break this "contract" with Shellpoint. They have doubled my payments produced false documentation and fails to send correspondence through my attorney. I have tried to stop making payments and the have threatened foreclosure. Thank you .
If you already have an attorney, that’s the best person to give you this advice.
If not, you should hire one.
@@RWlawFL I will. Thank you
Good luck!
If I send a validation of debt letter to my credit card company do they have to report a dispute to the credit bureau?
A credit card company is almost always an "original creditor" not a "debt collector" and so the FDCPA would not apply; this means they have no obligation to respond or report the dispute.
There are no law firms in Indiana (that I have found) that are willing to fight collection agencies.
That shocks me.
@@RWlawFL do you know of any? Every firm that I’ve called just pushes bankruptcy.
We don't have any we recommend right now. Look for a firm that does NOT do bankruptcy. But if your debt is large enough, that may be the only answer.
AMAZING CONTENT AND KNOWLEDGE! I have a case that was dismissed without prejudice in Florida from Presolve. I had no knowledge that I was being sued because I was never served. This was dismissed on 10/28/21 (without Prejudice). Can I now 10/15/22 ask for this to be removed from my credit report?
Thanks!
By itself, dismissal, for lack of service, isn’t enough in most cases to claim that your credit report is mistaken, somehow.
You have a right to dispute anything on your credit report that is in accurate, incomplete, obsolete, or unverifiable. A dismissal, with prejudice, based on lack of service usually doesn’t rise to that level.
Hi, when you say they must stop collection activities, does that mean they must remove from Consumer Reports until they send proof?
Probably. They often do.
My bank has killed my credit I been on auto pay for 18 yrs. 4 days early
I pd late once .
Unfortunately, we can't represent anyone outside of Florida.
Debt collector call me and say i needed to pay a debt they text me a latter with the amount of the debt but in this inbox i notice the address is incorrect so how do they send me a validation letter
I text back to them saying i dispute and need a validation latter by text because they don't know mi address
They have to give you an address. If they don’t it’s probably not even a real debt collection but a scam.
I am in Florida and was just served a court summons by Security Credit Services, LLC...
They've never reported anything on my credit or even tried to collect a debt until now...
They did however include 2 or 3 statements from the creditor in order to validate the debt.
I have 20 days to respond, how should i respond?
If you got a court summons, please call us right away.
Hello sir, I received an affidavit of service from Goldman sachs Bank. I would like to know if I already missed the court date or it still coming up? Thank you
If you got served, the summons should tell you what the court date is.
i am being sued by Credit Acceptance for a car that I had a co-signer on. They are not going after the cosigner proboley because he gets social security but they are just coming after me only. the so signer was paying half the bill but stopped! Now they are suing only me. I have only a few says to respond. I know they will go after a default judgement!
Sounds like you need help right away.
What state are you in?
Hello, I'm in Illinois and just found out that a debt collector reported on my credit bureau. A debt i have no idea about nor have i been contacted by them. I have disputed it with Experian since i have an account with them. What will be the best advice you can give me? Thank you in advance!!!
My advice would be to dispute it, and you've already done that.
I just found out LVNV is sueing me but I haven't got no court papers yet. How would I go by this?? I also got another letter from a debt Scott Associate debt letter dat there trying to collect with LVNV too. How would I go by this too I live in Texas.
Call Bill Clanton in Texas for more information.
ruclips.net/video/wpo7ruwu9u8/видео.html
Got a call a few hours ago saying I owed a $300ish dollar balance for failure to properly cancel a gym membership. Guy was super rude and aggressive from the start demanding payment or "they" would charge another $2000 in attorney's fees. Hung up and did some research. Emailed them saying if they could provide proof of the debt and that they own it I could make arrangements to pay it. He told me to call the gym's finance company and ask who they sent the debt to. Should I respond with a direct "I am disputing" statement and request validation by mail?
First, watch this video about phone calls: ruclips.net/video/z_DqQhfQpEE/видео.html
LVNV sold the debt to another collection agency, should I send another validation letter to the new collection agency?
You can send a validation letter to any debt collector that contacts you about a particular debt.
I got a notice of intention to file a lawsuit in California from Cavalry Spv I,Llc
I called them (cavalry)to ask for a debt validation letter . But said that my account was being handled by Qualk Cardot llp and I would have to call law firm .
But my debt is over 4 years old but it was purchased by cavalry 6 months ago
It shows up on my credit report as 6 month old debt. But I’m wondering how to call them
I’m confused on how to handle it.
I can't tell you about California law but if the debt is time-barred (too old to sue) these collectors may have violated the law.
Ohio. Havent responded yet as I'm confused what I should do. Certified letter was left at my house when noone was home to sign. Do I wait for a second letter?
Ohio law and procedure are different from Florida so we don’t know the answer to that question.
In PA, being sued by LVNV for $5,000. I sent my dispute letter and they mailed me by original agreement. In that agreement is an arbitration clause, that says either party can elect arbitration and that the will pay for it. My suit is in small claims court, if they would show up, can I request to the judge that I would like to utilize the arbitration that’s in my agreement? I’ve researched that arbitration can cost around $1200, so I’m thinking that mi t be an expense that might not make it worth pursuing. Thanks for your time
Read the arbitration guidelines. Many of those agreements (or the guidelines that come with them) require the other side to pay the arbitration fees and costs up front.
I will also tell you that in Florida, we've found LVNV very good to work with directly (at least for those people who hire us) and we don't even need to get to that point.
Just got Summoned today, they gave it to my daughter not me, I live in Washington State, their saying I owe 14,000
Definitely talk to a lawyer in your state who handles "debt defense" or "FDCPA" cases.
If I have already set up a payment arrangement, is it too late to have them validate the debt? I'm in Idaho.
Probably too late, yes.
How do you know if you are being sued by lawsuit is the original creditor or debt collector? Do yo send debt validation to debt lawyer or creditor/debt collector?
If you've been sued it should say in the complaint how this Plaintiff has the right to sue. Your lawyer (you are going to talk to a lawyer, right?) should be able to explain it.
I live in Colorado and received a debt collection letter for a default judgment that was dated back in 2011, can I fight this or what are my options?
Because we're not in Colorado, we can't tell you what your rights are under Colorado law. But in Florida, I'd be looking at that letter to see if the debt collector had broken the law by trying to recover a debt they no longer had a right to collect.
If I dispute debt (LVNV) via the credit companies would be that a valid notice of disputed debts? If property under living trust or life trust would it be protected?
Tried to find one of the attorneys online on California but none of them returned my calls. It may be that I am judgment proof (SSI,SDI, and Food stamp)? Called three that made videos but none interested to call back…any help appreciated
A dispute to the credit bureaus is NOT the same as a dispute to the debt collector.
I can't tell you how California law might protect your assets.
California has thousands of lawyers. Keep trying until you find one who can help you.
Do you have a debt validation letter outline anywhere to use? Also, do I send the validation letter to their lawyer or directly to the collection agency?
We have several videos exposing exactly what to put in your letter.
Send the letter directly to the debt collector, but if they already have a lawyer, you’d better lawyer up, too.
If you’re in Florida, contact us here:
ricardolaw.com/contact/
I just received a letter from United Collection Bureau for a medical debt. I was in a car wreck (victim), and the party at fault's insurance company is responsible for the bills and they DID pay the hospital. Every single bill I received, was forwarded to their insurance company and was paid, but the hospital sent a portion of it to collections. Should I respond as "Not my debt", or "Amount is wrong"? And what information should I request as validation since this is a medical debt? I have gone through my hospital bills and payments, and I cannot make sense of where this amount is coming from. Thanks!
If it was paid in full just say that.
If they sue you, your payments are a defense and you should win.
If they report it on your credit report, and the amounts are in accurate, you can dispute that.
If they’re just sending you letters, and it’s not A debt that you owe, you can even sue them.
We Live in Nevada can we use your services for a debt collections
Unfortunately, we're not licensed in Nevada. Have you tried looking for lawyers in your state?
I'm not being sued but I have a debt collector that showed up on my credit report. I've never had contact with them in writing, by email, or by phone. But it just showed up on my credit report??? Is this in direct violation of 15 USC § 1692g(a)? I never heard from them so I did not get the window to ask for validation/verification before they placed it on my report.
Your other comment gave us more information and I answered your question there.
I’m from Michigan, I was sued by LVNV, I filed for a motion to compel arbitration, was granted that, would it be wise to send a debt validation letter to them now? I tried through the Credit Reporting Agencies and it didn’t work, it was never verified
> would it be wise to send a debt validation letter to them now?
It probably can't hurt. Are you going into the mediation by yourself, or do you have competent legal counsel by your side?
If you take a debt collector to court how long does it take to settle the case, A few months or years?
We've settled them as quickly as one day, and others can last for months. Depends on the facts of your case.
@@RWlawFL Thank you for responding back!
You're welcome!
I have court tomorrow morning and I’m very confused on what to say so I want get a judgment against me. I’ve sent debit validation letter twice and no response just a couple of statements. Also my first form of communication was a court summon. Do I admit the debit or deny do to lack of information?
So what ended up happening?
I have not had anyone try to sue, but my medical bill was sent to collectors. I followed your guidance on disputing. But if I still see they payment is able to be paid directly to the original creditor online (and if I can afford to pay ) should I bother sending the dispute? Or is it better to dispute and then pay it if I can?
It depends on what you're trying to accomplish and how they're interacting with you.
Most medical debt going forward won't be reported on your credit report if you pay it, so that's probably a good idea if the original creditor will still take payment.
I live near Milwaukee, Wisconsin, and I saw a bankruptcy lawyer about my debts. Instead of negotiating a settlement with these junk debt collectors, the attorney I met with suggested that I should just declare bankruptcy. I don't believe he gave me the best advice. I think he's uncomfortable negotiating settlements. I don't want to declare bankruptcy, yet I'm not experienced enough to negotiate with these debt collectors myself. Do you know of any good debt collection defense lawyers in Milwaukee?
I found what appears to be a good law firm in Milwaukee: Miller and Miller Law.
Glad you found someone! Please keep us posted, and if they deliver what they promise, please let us know so we can tell other people about them.
LVNV and are Rergeant Receivable both are suing me ( Idaho) I filed motion to compel arbitration and was granted on both with a “ Stay” in place.. deadline for Sept 30 and Nov 3rd- their attorney made a comment in court that I was responsabile for filing fees- However - why would I initiate a lawsuit against myself..
Question: do I have the burden to file, or is it their burden to file? They have a summary of Judgement waiting to be addressed if we go back to district courts? Please’ I’m Pro se’ so far I’ve done well following numerous channels but I reached out to legal aid for possible legal representation or advice and found out the attorney volunteers for their program so conflict of interest eliminated me.. before my motion to compel I answered with Affirmative defense - burden of proof and unknown plaintiff
Unfortunately, we can’t give you any information about how to try your case in Idaho. Every state is different common has different procedures. I’m hoping you’ll find an Idaho lawyer to help you out with this.
HELP!!!🤐 the people who randomly pull our consumer report can they see our security number ?? and could I have all types of collection taken off report because we didnt give permission to them to put the collection on our report ?? and or because we want the collection to be private an their violating our privacy to not have them on our report???
Thank you for your
time🤭
I don't understand your question.
Can i use this with my autoloan company?
This is the letter you used to respond to any initial communication for a quote debt collector and put under the FDCPA.
If you’re auto loan company is a debt collector, and not the original predator, then the law gives you the right to enforce this letter.
Otherwise, they might just simply ignore it.
I am being sued my Midland credit i sent a debt validation letter and never got anything back its been less than 30 days but they wrote on my credit report that it was disputed and meets FCRA requirements. Do I have grounds to sue them?
Who did you send the dispute letter to?
@@RWlawFL i sent it to the law firm that is telling me they were suing me
If you're already being sued, definitely seek out a lawyer in your state right away.
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
📞 Watching on your phone? Click to call for help in Florida: ricardolaw.com/call/
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Good morning, I've watched your videos and you've mentioned using a certain dispute letter from the cfpb but the link doesn't take me to the letter. Can you help me please? LVNV sent a process server while I was out of state, the process server looked up my vehicle registration and told me cousin "the vehicle registration on this car is registered to this address and is in her name" that's illegal!!! She gave my personal business to someone else other than me AND told her it was from LVNV lawsuit. I thought THAT was illegal too!! I'm trying to file a complaint and send the letter you suggested.
The form letter is here:
www.consumerfinance.gov/rules-policy/regulations/1006/2021-11-30/b/
>LVNV sent a process server while I was out of state,
What state did they try to serve you in, and why were you out of state?
>She gave my personal business to someone else other than me AND told her it was from LVNV lawsuit.
In Florida, the process server is required to inform the recipient of the contents of the papers, if they are someone who lives together with the person to be served.
I live in California and I recieved a pre-legal notice from Midland. I sent them a debt validation request asking for a legal document showing that I'm obligated to pay them, the original creditor and account number, an original account statement showing the charges that they claim that I owe, and a explanation of how they obtained that information.
They sent back a letter saying that according to their records, the debt is valid. They went on to show a letter showing when the account was transferred to them, the address to the original creditor, etc. but they did not send me any information I asked for.
Additionally, in the letter they wrote, they claim the last known address the creditor has on me is an address that I lived in 10 years before the they claim I opened the account. There's no way that I would use an address I lived in 10 years ago to open an account if I were to do that.
This is clearly a misunderstanding. How do I respond to them?
Are you disputing that the debt is yours? Perhaps someone else opened the account using your information? That's where I'd start.
@@RWlawFL yes I am disputing whether the debt is mine or not. Good call! Thanks
OK. Start there.
hey mike so got a letter from MCM about a credit card i stopped making payments on in 2020..the letter is saying i owe 1400 and if i dont contact them or make a payment it might go to their attorney's..i question is what can i do..obviously yes i did use the card and things happen and wasn't able to make payments so my question is what are my options? also im in California
I can't advise you on California law but:
1. You can send a debt validation letter in response to debt collectors like Midland. That federal law applies everywhere in the US.
2. Getting sued may be a good thing, especially for a debt of this size. Check out our video about that: ruclips.net/video/lUF0xqaFexk/видео.html
3. If you do get sued, a good lawyer can crush them before they even get rolling. You'll want one near you in Cali.
Thank you for the video! I got a call from the iq data international, a collection company saying I owed my previous landlord $2000 damages after I moved out from the renting apartment two years ago. I followed your instructions and the collection agency refused to send me the written documents about the charge details. He said he already sent me. However, I never received it and they refused to send me again. And he said I refused to pay and will move on to the collection process and hanged up my phone! What can I do?
Stop talking to them on the phone.
Tell them to put everything in writing, or they can stop contacting you at all.
If they break the law by disobeying that request, you can sue them for damages.
If they're suing you, they have to provide proof of their claim.
@@RWlawFL thank you for the good idea!
You're welcome!
Like number 100
Thanks for the like!
Hello, I'm in Ca. My question is, can I used the debt validation letter with the Dept. of Treasury. I had a Line of Credit for my business, Sole Prop, in 2007 with Wells Fargo, then Recession hit. I just received a letter from the Treasury saying I have a defaulted debt with the SBA. The Wells L.O.C. is the only account I can think of, however I'm not 100% sure. I vaguely remember them saying the account was SBA backed, but payments went to Wells. Either way, its been over 10+ years. The only thing I can think of is, since our business was recently approved for the EIDL, I'm wondering if that just stirred up a collections letter. Any advice is greatly appreciated! Thank You!
The FDCPA does not apply to government agencies.
It might apply to Wells Fargo or other companies that took over the debt after it was in default,
But generally speaking, defaulting on SBA loans is a very bad idea, because the full way to the government comes down on you.
@@RWlawFL Thank you I understand. I've been in good standing with all creditors once recovered from the recession. That's why this is shocking to me. 1. Would you advise to write a debt validation letter since I'm honestly unsure of what this is for? 2. Is there a statue of limitations with the SBA? Thank you for your help!!
If you’re dealing with the US Department of the treasury, none of the normal rules apply.
You can and probably should write them to ask them for as much information as possible, but the reality is that this loan will follow you around forever until you resolve it with the federal government.
If the debt is for a substantial amount, you probably need to hire a lawyer.
Also, somethings that I didn’t point out in my first response is it if this is a business loan, nothing in the FDCPA will apply to you because this is not a consumer debt. As a business debt, you have far fewer protections than a consumer debtor would.
You’ve got to figure out a way to fix this.
@@RWlawFL Woah, not the best news, but I appreciate the direction given. I plan to figure it out and am willing to pay it if its mine. THANK YOU!
Good luck!
So I found out that im going to be sued by Portfolio Recovery by solicitations from lawyers via postal service. I am in the Florida panhandle and currently disputing all of the negative items on my credit report. I have not received anything official yet but did look on my counties website and it does list the suite filed on 10/11/22. The Civil Cover sheet states that the debt is UNCONTESTED! Again I havent received notice of any kind about the lawsuit. Can you provide some assistance. I have no legal representation.
We handle cases in the panhandle.
Call us right away: ricardolaw.com/contact/
@@RWlawFL I'm in a similar situation in Chicago. Can you provide a referral?
There are a TON of good FDCPA lawyers in Illinois, mostly based in Chicago. Try James Vlahakis www.atlasconsumerlaw.com/attorney-leadership-profiles/james-c-vlahakis/
Reposting on your most recent video. I don't mean to spam! My question is...
Does a debt collector (attorney for an original creditor) need to notify me of my rights as stated in 15 U.S. Code § 1692g within 5 days? I was served with only a Summons and Complaints and they were the first communication, taking place on Apr 22. I filed an answer to the complaints over a week ago and they have not contacted me at all nor have they filed any additional documents with the court. Is the responsibility on me at the beginning stages of the lawsuit to reach out to them? (Nevada).
Additional notes: Four Complains total. (1) Juridisction/County (agreed), (2) That I opened an account (no dates) (3) That they sent me statements (4) and the amount $1700. I denied the last three.
Actually after reading a bit further, 15 U.S. Code § 1692g(d) implies that Pleadings/Complaints do not count as initial communication with the consumer. Furthermore, several courts have ruled in favor of debt collectors by defending this implication. I think...
A summons and complaint doesn’t start the five day clock because it doesn’t count as the initial “communication”.
See §1692g (d)
Looks like our replies crossed in the mail.
Illinois Blitt And Gaines $11,500 I’ve done nothing
In Illinois, call Hyslip Legal.
I I need help can I talk to you on the phone😢
If you're in Florida, we may be able to help (That's the only state we're licensed in). Give us a call:
ricardolaw.com/contact/
If you're not in Florida, we might be able to help you find a lawyer in your state.
I gave up personally, Ima just let it hit my credit LMAO idgaf I sent them a dispute letter and they came back with a response but idc
Are you giving up because you really don’t care, or because maybe you don’t think you can win
HELP!!! Someone PLEASE tell me. How Collection buy as sell our infor for service they didnt give us. and sue
how is this a legal business. Its like the BLACK MARKET IN OUR FACE 🤔😚😭🤐🤐
Collections companies often buy accounts. The FDCPA is the federal law that applies to them and limits their abuses.
What have they been doing to you?
@@RWlawFL thank you very much
You're welcome.
Thank you for these videos
I have a small claim case .
Bank of America « hired a local lawyer » for a credit card that has been sent to collection since end of 2018. Went to a Pre-trial ( via phone call) and they tried to make it settled through Mediation. I asked to send me doc that shows me that the debt in mine. And then few weeks later after I received a statement and talk to the pretend lawyer representing the Bank, I asked him that even if the credit card was mine and we decided to settle, after paying off that Debt will it be off of my credit report ??? he answered that they don’t deal with those part and stuff.
But over all I don’t believe this is professional representation. Because when I received an email from the lawyer, I see a lot of spelling /grammar errors that get to my attention.
Like this :
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THI IS A ATTEMPT TO COLLECT A DEBT. ANY ONFORMATION OBTAINED SHALL BE USED FOR THT PURPOSE.
Also why it say this is a communication from DEBT COLLECTOR ?? If it says that I am being sued by the bank NOT THE DEBT COLLECTOR
PLEASE HELP ME UNDERSTAND WJAT THEY ARE REALLY HIDING
THANK YOU IN ADVANCE
If you've been sued, you need to speak with a lawyer in your state. If you're in Florida, that could be us! ricardolaw.com/contact/
What if the debt was never on my credit report in the first place. if I send a letter to verify and it comes back as verified can they start reporting it on my credit report i live in Pennsylvania the debt is from 2013
They could report it on your credit whether or not you dispute it or they verify.
But if the debt has been unpaid since 2013, it's almost certainly too old to report.