When debt collectors call, DO THIS in 2024.
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- Опубликовано: 8 июл 2024
- How do you stop debt collectors from constantly calling you at home or at work, and from harassing your family?
Florida lawyer Mike Wasylik explains what YOU should to stop abusive, harassing, annoying phone calls from debt collectors-WITHOUT taking extreme measures.
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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
rwlaw.mykajabi.com/crush
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📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/
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⛑️ Got questions about fighting abusive debt collection? If you're in Florida, you can us at 352-567-3173 for a FREE 30-minute appointment with one of our lawyers (Mention this "Stop the calls" video!) to find out how we can help you.
What you'll learn in this video:
0:00 How do you stop debt collectors from calling you constantly?
0:35 Who’s calling you?
1:07 Two ways the FDCPA protects you from obnoxious phone calls from debt collectors
1:51 Your first option
2:46 Your second option
3:42 What can do when a debt collector breaks the law
4:11 How this can wipe out the debt
4:25 What you should do next
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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
rwlaw.mykajabi.com/crush
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📞 Get Florida help for Florida cases! Contact us here: ricardolaw.com/contact/
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Knowing your rights and how to exercise them is 95% of the battle
Agreed!
Ok, I will confess that I had all of these credit cards, however lately my work has slowed down a lot and I had no choice but to fall behind on my credit card payments. My finances have gotten so tight that I had to go back on food stamps. Now, I'm getting bombarded with calls from debt collectors and its driving me crazy. Thanks for the video.
We’re glad this helped out.
You might also want to watch our recent Debt Collection Battle Plan video.
RMS called and left voicemail for my sister and wife regarding an important matter for myself and that they wanted to speak with them directly with questions. This is not the first time my wife got this message.
Have they contacted you at all? If so, that’s how to attack this.
Great information
Thanks!
Great video Mike! Keep up the good work and see you guys soon.... John
Thanks my friend.
By the way found something interesting that’s likely to be a big deal… can’t wait to share it with you.
LVNV served me a summons to go to court. Boa did that and I ignored it and it's just scare tactics.
Ignoring a summons is a bad idea. It leads to default judgments and garnishment.
Responding properly can not only resolve you debt and your reputation but even make you a profit.
I defaulted on a car loan so I could afford to hire a lawyer for my divorce. I surrendered my car and they won't stop calling. There was a class action lawsuit against them. I got a court order that said the debt is no longer valid and I got it removed of all of my credit accounts. They sold the debt to CPS and they still continue to harass me.
> I got a court order that said the debt is no longer valid … they still continue to harass me.
Are you in Florida? Give us a call right away:
ricardolaw.com/contact/
How much would it cost for your company to do debt settlement on a collection account that is not in court? Live in FL and want to get the best deal for settlement.
We’re not offering “debt settlement” services, we are lawyers who go to court. However, we often find the best way to settle a debt is to find some violation.
Since you’re in Florida, give us a call and we’ll talk about what your debt collector may have done wrong and ways we can leverage that to your advantage.
I get at least 5-8 calls in a 7 day period from the collection agency. Sometimes multiple times a day
Sounds like you need a letter telling them that phone calls are inconvenient.
great info! I've been binging your channel tonight. I'm in a situation where I'm waiting for mail communications from a collector so I know where to send a dispute/debt validation letter (they've been hounding me via phone and I'm not answering). But they don't have my correct address because I moved out of state before the account was sent to collections. Do I wait for them to figure out where I live now and send me a letter stating they're attempting to collect? Or should I answer the phone calls w/o giving any of my personal info, that way I can move forward w/ the dispute letter and potentially take care of this? Thanks in advance!
If they don’t know where you live, they can’t sue you. If it’s not on your credit report, you might want to just block the calls.
What state are you in?
Thanks for binging! We recommend that to everybody.
I know that as soon as something happens and you are unable to pay your credit card bills, they are going to bombard you with phone calls. I wonder how do they even know if you didn't pay your bill
Watch our Debt Collection Battle Plan video to see what you should do next.
My recruiter ran a credit report and there's a collection on there. They have also been calling me nonstop for about half a year now. Never received anything physical from them only phonecalls. they're asking for $700 and I just don't have the money. This is also a very time sensitive issue because with the collection in place I can't enlist and I am scheduled to go to a Military Enlistment Processing Station in 2-4 weeks. what should I do?
That's a good question for your recruiter-they've probably run into this before.
I am going to call you, I'm in fla and I'm dealing with bridgecrest credit acceptance who sold my loan 10 months before payoff and I was u aware of this until I requested payoff .suddenly my payment went up and my balance as well when I did a checking account audit, they have changed names 4 times and refused my payment I sent by mail certified. Now I'm on a repo list ,it get worse ...just horrible..thank you for your videos and information!!!
Call us Monday. We’re at a legal conference but we can set you up for an appointment this week.
@@RWlawFL thank you I will....it's gotten worse ..
@@RWlawFL called with no answer left message. just filed charges with local sheriff's office for damages done to rental property garage door my insurance company is now going to file fraud charges but does not stop repo attempts...unbelievable fraud 🙄
Shoot us an email: ricardolaw.com/contact/
I’m getting calls from MCM. They called every single day, even weekends. My phone automatically silences unknown callers, and I even have YouMail to make my phone seem like it’s disconnected and no longer in service. Yet the calls are still coming. They even call from different numbers after I block them. I’ve not gotten a letter from them yet. I don’t even have any debt.
If they're calling you every day to collect a debt, but you don't have any debt that you owe, they are breaking the law.
If you're sure that it's them calling you, and you're sure that you don't owe any debt, you might be able to stop them by suing them and maybe even put a little money in your pocket.
What do you want to happen next?
Question... I have a collection agency add 3 payments to a collection account that falls off my credit next year then marks it past due, can you give me info on that?
Adding payments at the end-even though that seems wrong-shouldn't stop it from rolling off next year.
What can I do if I get calls every day from Portfolio? I have no known debt with Portfolio. I have checked my credit for Portfolio and have no debt from them. I have never received any form of notification on paper or message. They only keep calling but I never answer the phone. I also never receive any voice mail from their number? I am disabled and in Colorado. All of my debts from past debt were wiped clean by chapter 7 in 2014 just before I became disabled. Also all of my debts from before chapter 7 were all medical bills. Can you please give me any good references for a lawyer in Colorado? Thank you in advance!
If you know it's Portfolio, follow the instructions I gave you in the video-write to them, tell them they're not allowed to call you anymore. If they violate that, sue them.
I won a dispute and midland called me years later. What do I do? It’s not on my credit report. I told them that it had been resolved and they said they were trying to understand why I wasn’t paying my debt.
If you’re in Florida give us a call.
This is an interesting situation. We had something similar happen, where the debt was so old that it fell off the credit reports and we wrongly assumed it was all over, and then the junk debt buyer must've decided to start collection efforts again. Some sort of collection trigger must've alerted them to a change in our financial status. But this debt is now far beyond the statute of limitations for winning a lawsuit against us. We sent them a very simple dispute letter, to which they responded with a one page printout of the account in question. We then sent them a very simple stop calling us letter and added that the statute of limitations would be used as an affirmative defense against a lawsuit and that we would expect them to pay our attorney fees and court costs if they sue us. Still waiting to see what happens next.
You can probably sue them now, without waiting. If you're in Florida, give us a call.
I sent a certified letter with return receipt but they never picked up the letter. I called the post office and they tried to deliver it. What do I do?
Send it regular mail and keep your receipt.
I had someone call me and try and get me to verify my address I gave them my name but I didn’t verify my address. and I told him anything that he had for me I want him to put it in writing a mail it to me. and Then the guy said thank you have a nice day and hung up.
> I told him anything that he had for me I want him to put it in writing a mail it to me.
EVERYONE PAY ATTENTION. This guy is doing it the right way.
I have a credit report put on my report and I have never done any business with them and I have never received a letter I just received a call from a collection agency please let me know what I can do thank you very much Paul
You have a right to dispute any item on your credit report that is inaccurate.
I think sometimes when debt collectors can me, I answer and they say nothing and I hear nothing from then then they hang up.
That might be them!
@@RWlawFL seems like they are just playing games with me. Maybe to play games back with them, I could answer it in Spanish like "Bueno, cómo está? Quien me está llamando?" I've especially used Spanish recently since I was in Mexico this past month although I'm now back in Florida and even in Florida I use Spanish allot since my boss is from Querétaro, México.
Or, just don't talk to them on the phone. If you answer, they know it's a working number.
@@RWlawFL I guess fortunately, I won't be arrested or face criminal charges just for owing credit card debt that I can't pay.
Watch our Debt Collection Battle Plan video.
I had a credit card company call my sister's in laws looking for me about a debt. Is that legal?
We just posted about this yesterday:
ruclips.net/user/postUgkxVKiXBctIcaRvdlfpRG2CnbgSoVDmzGHE
I have someone calling my number but I called back to see who was calling me but they will not verify who they are until I verify my name first
Sounds like a debt collector...
I don't know if they're calling because I don't answer numbers that I don't know or when I am driving my school bus.
No problem with that. Stay safe!
My boyfriend got a call today from a third party, trying to get a Bank of America debt from 2007! Bank of America closed the account in 2012, after inactivity. And has not tried to contact him for the last 10 years! Statute of limitations in Mass is 6 years. The debt is $635, but now they want $1058!
Who is trying to collect? Have you spoken to a Massachusetts lawyer about this?
@@RWlawFL It’s a third party company, We haven’t heard from them since that call!🤨🤷🏼♀️
Might be a scam. If you hear from them again, tell them never to call you and only communicate by phone. If they call again, it's a violation of the FDCPA.
Are debt collectors allowed to contact other people who know you about your debt such as friend or your employer?
We explain that and a whole lot more in our FREE email course about debt collection violations. Check it out here:
ricardolaw.com/fdcpa-course-sign-up/
I'm trying to find a video on how do I know that my debt was legally sold to a debt collector? Do you have information on that?
For all practical purposes, whether a debt was "legally" sold isn't something you'll be able to find out unless you're in a court case with the debt collector.
They'll tell you if they CLAIM to have bought the debt, but there's no good way to test that claim outside the courtroom.
What if you have sent certified letters requesting calls to stop n communicate by mail only but 3rd party debt collector calling asking for someone else n im yelling u have the wrong number numerous x's per day.
That's a violation you can sue for, since they refused to stop even though they know they've got the wrong number. If you're in Florida, give us a call.
Hold up, how can a debt collector contact your parents' neighbors? What the flip?
Only in a limited way. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are allowed to contact third parties, but only to locate the debtor. They can’t discuss your debt with them or harass them in any way.
If you think a debt collector is breaking the law, you might have grounds to sue under the FDCPA. Definitely consult with a lawyer in your state who handles FDCPA cases.
If you're in Florida, give us a call in the morning.
I used to get collectors calls from just about every alphabet collection agency known to man
"Used to"? We hope it's better now!
I have sent a registered letter outlining the only contact from that day forward will only through a letter, no phone calls and no emails. They called and lied to me about not receiving the letter. Once I said it was sent registered mail. She had it in her hand. She tried to confirm my address I said no, it’s on the registered mail. Told her not to call again. She’s called 2 more times. What should I do?
Please call us today.
SIS keep calling. I don't know why? Different people from SIS keep calling. I tell them they have the wrong number.
Next time, try doing what I talk about in the video.
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?
Hello help i got a letter to pay from a debt collectir that yse to be in my report and was taken off i guess by them. Like a few years back. Niw tgey sent me a letter to pay. And now they called me i asked who is this. He says edgar then asked about my car. Like hows it running? I just got a car. I thought maybe its the company. Then tgey hung up after saying my name asking ne about my car. They never said they are a debt collector when i ask who they are. They never talked about my debt. I found out. By goggling the phone number through a reverse lookup and foun out its them. What can i do? Please help.
I really don't understand your question here.
@@RWlawFL what can i do when creditor collection agency doesnt state who they are?
@@RWlawFL i did ask and just got a name Edgar.
Hang up and block the number. They're not legitimate debt collectors and you shouldn't waste a minute of your life talking to them.
@@RWlawFL thanks.