NEVER EVER PAY COLLECTIONS!
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- Опубликовано: 24 ноя 2016
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l have IVA for the last 2 years , could you give an advice how to start
Sup homie!?
Hey man. I forgot to say thank you😢. You saved my ass from paying an outrageous PayPal debt bs attempt in 2018. I responded with a letter and next thing I knew the shit was gone from my PayPal account and the collection company NEVER contacted me again.
❤1LOVE HERMANO
Rule number one. NEVER ANSWER THE PHONE IF YOU DO NOT RECOGNIZE THE NUMBER!
Not answering the phone doesn't get rid of the problem. Some time ago I saw a $40 collections on my credit and I never received a call from the agency. It was for a bill that I had no idea of from a doctor At least 4 years old
unless you're looking for a job. :(
Horkslair, actually you should answer the phone. It is how you adress the caller that will determine the outcome. Receiving a call from a number that you don't recognize should result in you not confirming your identity, that includes your address or confirming the last four digits of your ssn if they rattle it off. The caller only suspects that they have the correct # and person they are trying to reach. They will always state "this is an attempt to collect a debt". Responses to these calls, whether they are legit or not, should be limited to something like, "I'm sorry, but I do not confirm personal information over the phone, if you feel that you have the correct person you will need to mail a bill to the address that you have on file, please do not call this number again. Thank you". That will deter most from anything further. For the ones that claim that you will be served, sued or arrested, that is considered a threat, send them a cease and desist letter via certified mail and file a complaint with your state attorney general's office.
Rule number two: "Never get out of the boat."
Horkslair. That is PRECISELY what I do. I DON'T answer the phone. I also block the number. If they use another number, I block that too.
Once, someone thought they were being clever and texted me, asking if I was so and so. Like I would fall for that!! Hahahahaha!
All these people talking about "stop living beyond your means, stop using credit cards" have obviously never had medical bills... Yeah, I'll just drop dead and stop going to the doctors, thanks. Not everything is about living large. Tons of people are just trying to stay alive. As if going to the doctor is a luxury.... You think anyone WANTS medical bills???
Loved your comment
Hi sassy, medical Bill's can also be paid by an anonymous donations person,but you'll need to ask the hospital to put you in that list..its free for you and a tax write off for the donater.
The hospital bills FRAUDULENT amounts, and that is the problem...
@@hiteshwadhwa123 I'm with you. My Bill's were sky high too.
Move to Canada then US is rough if you in big city, American dream is to keep you in debt, which is why I want to move a small state
It was the fact that the collection agency buys the debt for pennies and then they still charge you the full debt amount AND it’ll still stay on your credit. That’s criminal
Maaaan smh
I have gone from being a 540 score owner to the 800 gang member with the help of Andy Hacks LLC, they've been a tremendous help for myself and my family and we now left our old lives of bad credit, *you can look them up on google to read about them*
How long did it take for you to get to a 800 from a 540?
@@kathleenmaldonado5726 Mine was 3 weeks
THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG
THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG
THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG
I had a credit card debt that went to collections a few years ago. When collection agency called I didn't answer so next thing I knew they filed in court to sue me for the debt and I was served court papers. I requested the collector show me the contract with my signature on it as part of the required discovery in any court case, which of course they couldn't provide. I had no contract with the collection company I had a contract with the original company but not the collection company. They couldn't show any mutually agreed upon contract and therefore I had no obligation to pay them, nor did they have any right to demand payment from me. Case dismissed. Sad thing is that not only did they have no contract with me, the statute of limitations had also run out, but had I not known these two facts the judge would have allowed them to go right on ahead and sue me and win a judgement. That judge would have sat there and granted that company a judgement against me after the statute of limitations ran out if I had been ignorant to the law. The courts say it's not their obligation to inform all of us regular citizens of the laws. Very sad. Just remember we elect judges!
I love and needed this.
All judges are Freemasons and Shriners. They've helped their cult brothers through the centuries to the point of monopolizing most industries. Finance companies are going to be owned by members of freemasonic secret societies, so they are still just doing each other favors while enslaving everyone else. This slavery has been going on in this land since the first light skinned people came with the Virginia Company. Police and sheriffs departments are filled with Freemasons, so more laws, more criminals, more guilty verdicts=job security and bonuses for all with new flashy cop cars. The lawyers and judges are all BAR members which originates in London, Esquires of the crown, protecting the masons/knights/cops in the modern day battlefield of the courtrooms. Traitors to our republics, with the help of their communist allies from Germany and abroad, invaded our soveriegn republics, replacing inalienable rights for the mob rule of democracy by zombies.
Before I'm attacked about the Shriners, why is it that all these billion dollar hospitals and charity centers people are donating to are keeping quiet about natural substances that destroy cancer and MRSA like nigella sativa (black Caraway) seed oil? All your "medicine" are toxins derived from crude oil or Stephan Co, who is the only one the DEA allows to import coca leaves. A nice state-protected drug Monopoly. The doctors killed my grandpa by giving him MRSA during an unnecessary procedure while this healing plant was kept secret from all of us by these demons. It will be made illegal next.
What was the reason you got into credit card debt? Did you have a catastrophic event to deal with?
Panther God
Yep....Best thing to do is contact the creditor directly and set up a payment plan because this will follow you around like a shadow...The more you avoid them the worse your FICO score gets...
I agree 100% on to what you are saying. When the original debtor writes off that debt,they sell it to someone else for a few bucks. They have written off that debt and you do not owe that collection agency. Never give collections agencys any information. Never admit to the debt. Dont say anything if they call you. A collection agency generally will harass you more the closer the statute of limitations has run out. Keep your mouth shut,dont admit to a debt. After 7 years,that account goes neutral. You can restore your credit without a credit restoration expert.
Do not pay collection agencies? I like this video already
Lol
It checks out
He is correct about that....
Wow my guy , truly a solid man and ii have nothing but respect for that ! Giving away the secrets to credit that for some reason they do not teach us in school but will teach us things that we never use as adults in everyday life ! And what you just let us kno is information that most of the population needs to know !
Everything you said makes a whole lot of sense. You've given me some "a-ha" moments. I'm not afraid to say that I've been "GOT" a couple of times, harassed, and all. You've just saved me a lot of migraines. I have lupus, and don't need the stress. Thank you so much!!! 😊💜
Redayvn Hughley my sister has Lupus so I feel you 1000%! Stay strong queen, less stress. The best!
This may be the most helpful ten minutes I've ever spent on RUclips. Wow. THANK YOU.
Mee too 🙏
HOW TO BE A DEADBEAT AND GET AWAY WITH IT
You realiE you're still not going to be getting any sort of loan for the next 7 years though right? 😂
@@spencerislegit 7 years go by fast
@@WhyRUclipsWhy so you'd rather get away with not paying your maybe couple grand in credit card debt to waste 7 years of your life? Wow I can't imagine how miserable it is to be you
Thank you for being honest with the intent of being helpful to those who aren't well versed in collections and credit!
THANK YOU SO MUCH FOR THIS INFORMATION! IT'S CRUCIAL!
This was some valuable information. Ya whoever is scrolling through the comments I hope you have a phenomenal day. Get ya bread and all the crumbs too. Stack and act broke Ladies and Gents 😤🙌🏾
Yupyup
It's nice to stack up your money until you get a judgement on your credit report and then they can go for garnishment. Good luck with that thought.
That's because these people literally are broke😂 they're stacking them welfare checks😂
@James Maynard 👌😄😄😄😄😄
THE BEST PART IS HOW YOU PEOPLE TAKE MONEY AND GOODS FROM BANKS AND SAY "" THEY'RE NOT GONNA TAKE "MY MONEY" "" LOLOLOLOLOL
Bro people like you is what makes me think that there are some people in this world who care about the struggling man and woman. Highly appreciated brother 👍🏻
Unknown Person LOL!!!! Did I upset you with my comment? Do you need a hug buddy?
Jeffrey Fuentes He had a bad day, girlfriend dumped him for his narcissistic personality. His hair pin triggered Conniption fit launched ian assumption complete with waving arms like those air blower filled roadside attention grabbing characters. No one one takes a loan intending on not paying it at all, as that is called fraud and people have gotten jail time for it. Plus banks are allowed by law to loan out 8-17 times of what they get in, thereby creating money out of thin air. So guy named “Unknown Person” it is going to be ok
Unknown person, debt is not always due to money that was borrowed. A friend of mine had an ambulance bill that came after his Medicare time frame for paying was up. He then tried to find out how much his health care from that year would cover and found out that the healthcare company he had then folded and people were filing grievances because they hadn't paid their medical bills. Medicare would have covered it 100%, but the company didn't bill anyone until it was too late to get it covered. $650.00 and he is on social security.
@@unknownperson2422 Listen man, Jeffrey Fuentes was not talking about stiffing anyone, he appreciated the information so he wouldn't get ripped off by Collection Agencies...how could you not understand that, you moron?
@@unknownperson2422 I bet your a collection agency worker who's asshurt over this video.....get a life👏🏼
This shit works !!! Collection agencies now hang up on me .😁😁
Debt collection over text is scary
I’ve been in the emergency room
I want a paper bill
I used to be a loan underwriter for several banks. He is right, the fact that an account went to collection is a negative to a loan underwriter, regardless of if you paid it at a later date. I’m not advocating people to not pay debt, just stating if you pay it thinking you are cleaning up your credit and will be rewarded with loans at a later date, this MAY or MAY NOT be accurate. If you struggle financially, I would recommend putting you and your family first, not a wealthy financial institution.
Thanks for this.
@@chrisg2281 You are the racist here, idiot!
Titika Hill my pleasure ... I care about people
How bout be responsible and pay what you owe?
Mark Creasy Yes, I sincerely agree with responsibility, and not just for the applicant but also the lenders. I have worked for several different financial institutions, and each lender had different underwriting guidelines. I did not work for any predatory lenders, but am aware that they do exist. They overextend credit, knowing some of these high risk loans will go delinquent or be charged off. We saw proof of this with the crash of the real estate market. The banks then went to the government with “we are too big to fail.” Rather than take the losses for their high risk loans, they made the tax payer bail them out. The taxpayer is now paying the loss.
To be fair, some people will have life altering events that will make it hard for them to repay debt; i. e loss of a job, serious illness, etc. Not all people who have bad credit are irresponsible. Some have just fallen on hard times.
*To keep your bank accounts from being garnished, if you are highly in debt, create an LLC. Very simple to do. That's a 'limited liability corporation.' Mississippi is the cheapest state to do it in. It only costs about $50.00 there to file incorporation paperwork. Texas costs around $392.00 but Texas of course has more benefits that I won't explain right now. Then open a bank account in that LLC's name. Then take the money out of your personal bank account and put it In the business bank account. That way the bank account cannot be seized for your personal debt. It literally shields the debt from creditors garnishments because the business is an entirely separate entity than you. When Mitt Romney said that 'businesses are persons' technically he was right and this is why. The law looks at them as totally separate than the person. Especially LLC's. This is how powerful LLC's are.**Also, they may come after your wages but if you are friends with your employer or you work for a family business have them terminate you and bring you back on the next day. This way the garnishment is no longer valid. It's only good for 'one duration of employment' and not when you are let go and hired back (which creates another duration of employment). It becomes invalid then and the company must go through the court again to seek another. And it takes months to file a garnishment. If you work for family or friends you can simply be terminated and rehired in perpetuity to stop the garnishments. And don't EVER pay a bill with your personal bank account. There is a reason they give discounts for your account information. they keep this info forever and pass it on to collection agencies. Get a cheap prepaid card and pay all of your bills that way.*
Yolanda Summers How do you create an LLC? I looked it up and you have to have a business and go through alot.
It's really simple to create an LLC. Google your secretary of state's home page and it should have information on how to file. Every state has a different price that they charge to do the paperwork. Some states allow you to file online. Other states may want you to print out an application and mail it in.
The application is really simple. They want the name of your business, who owns the business and the name of a registered agent. The registered agent could be anyone in the state. Even your mom, your best friend, anyone.
The registered agent is simply a person within the state that can accept a subpoena for you if the business is ever sued. All businesses have to have one on file in every state.
Once you get the LLC they will send you a Certificate called 'Articles of Incorporation' that shows you are incorporated within the state to start the business. In Mississippi, it takes about 20 minutes to file an LLC and the cost is only $50.00. You get emailed your certificate. Then you go to the IRS site and get an EIN number. That's all you need. The articles of incorporation paperwork with the state and the EIN number from the IRS.
The entire process can take less than one day. Most states and the IRS issue all the paperwork and tax numbers you need immediately online. There is little waiting. In 'most states'.
Yolanda Summers , you said NEVER pay a bill from your account. Which account? the LLC account or personal account?
Yolanda Summers wow! keep dropping this good game its important I heard somewhere that you got to learn to play the game to succeed and then learn to play it just as good or better then any one else u need to have your own channel cuz this is good game
You cannot pay personal bills directly from your business account using the
an electronic transfer but if you wanted to shield personal funds in a business account (to keep them protected from creditors looking to garnish your personal bank account) and pull them out when you needed them in cash to pay your bills no one would ever know. The business account takes on an entirely new identity under the law. Separate from you. It becomes almost like a person. It's difficult to explain. But I was referring to people who are paying bills using their personal account. The companies love having checking and routing numbers for a reason. This is because a creditor can send through your account what is known as a 'Universal Draft' which allows them to deduct whatever funds you have in there to cover what you owe. My bank representative (from Bank of America) told me this. So let's say you have been paying your car note using your checking account and routing number and you fall behind. You have to pay rent. Well.. the car finance company can legally send a draft through your account, without your permission, to try and collect whatever funds you have in there to cover your past due delinquency. Some don't do this. Others will do this. Legally they CAN do this. So never give your checking or routing number. Ever. They keep this information even when telling you they do not.
Your the real deal my friend. Thank you for looking out for us people that no nothing about this area. You have a new subscriber. . Take care. GODSPEED 👍💕
It's 5 years if it's a company like say T-Mobile but like 10 or 7 years if you owe the IRS. How ever if you never put anything under your name for that time, it will all be forgotten.
I had a collections debt of $40,000 for medical and never made a payment for about 5 years and just recently I disputed it on credit karma and 3months later it was completly wiped off my credit report
Rob Solo how did you that I got medical bills out the ass
it's easy to get medical bills that high. people can't always afford health insurance.
I've wiped several medical bills from my credit report. Legally they can't verify your debt because of HIPPA laws. The only way they can verify the debt is if they have you sign a HIPPA waiver so don't sign things blindly.
First of all this only applies if you haven't paid anything to the collections agency nor confirmed to them over the phone or in writing that you owe that debt. If you've done any of those things then you should probably get a financial adviser.
Otherwise you simply go request your report from the website "Annual Credit Report". You can request it for free once a year and that website is 100% safe because it's controlled by the US government. You are gonna need to request your credit report from all 3 credit report companies: Equifax, Experian, and Trans Union. Medical debt usually appears on your credit report 4-5 months after you were sent your first collections letter.
It will take 2-10 days for them to send you your credit report to your house. Look at it and look for anything related to your medical debt. Then you write a separate letter to each credit report company asking to verify those reports. Some of your debts will appear on only 1 credit report company and some will appear on 2 or 3 of them so pay close attention and write each one a separate letter based on your credit report.
After you send your letter it will take 1-8 weeks for them to respond. They will either say that they could not verify the debt or that they could. If they said that they could not verify it write them another letter asking them to remove the debt that is not verifiable. If they say they could verify them ask them for verification paperwork/proof. If the hospital/doctor/credit agency provided anything related to your medical record then you need a lawyer to start a lawsuit for violating HIPPA laws. Most people wipe their entire debts when they sue the hospital/collections company as a settlement.
Also, please be aware that just because you remove your medical debt from your credit report does not mean that you don't owe it anymore. If the hospital wants to they can still sue you. Although if you can't afford to pay it you'll be fine, the judge usually forgives most/all debt if you can't pay it.
Rob Solo. I have $40,000 in debt. How do I contest it on Credit Karma??
You are 100% correct. I managed a large C & C agency for years and wondered why people pay at all. It does NOT help the score. It keeps the account alive for 7 more years. It takes money that you will need. Start saving! Pay cash or use debit. Never settle a debt. Keep the money in your pocket where it belongs Tip: Only people who need to get a car or home are virtually forced to payoff a collection account; otherwise NEVER DO IT!!!
Why dont you people who incur the debt NOT want to repay it? Why are you listening to anyone who tells you not to repay a debt? Why ask for credit if you are not going to repay?.
Vin D question i have two online loan that i didn't pay back and they said if i dont pay them back they will send me to collection what do you think i should do
IF you have the money, try to negotiate a payback arrangement.
Double Down I paid all my bills on time but 7 years ago I had a major health issue. Medical bills fucked my credit up. I don't want to pay that stuff.
NEVER make an arrangement to pay anything, either verbally or in writing, and the debt will fall off after 7 years from the time it was placed into collection (6 months). This would be at total of 7-1/2 years. But you have to make sure that, during that time, you DO NOT GET LEGALLY SERVED. That would likely turn into a court judgment and follow you as long as a bankruptcy. Check the statute of limitations (SOL) in your state regarding time allowed to sue for alleged unpaid debts.
I enjoyed this so much. Pls continue to bless others with this.
A collection agency just called me this morning. I looked up my credit report and saw nothing. I asked who they were and what dept I had with them? They wouldn't tell me what or who I owned. They named an old address I had that got bulldozed to the ground years ago. Lol. I didn't admit to the dept. Because I didn't know what I owed. The collector just got annoyed and hung up. You guys helped me from before. It was $35,000.00 in medical bills. All wiped out by the people you recommended. Thanks again playa.
That's cool, but it's "debt".
@@nf4866 I'm not lying. I was such in a bad place because of my asthma. And why do you care so much about my spelling anyway? Who the hell really cares? Nobody but guys like you. Ultimately no body gives a crap. As long as my point got across which it did. And if that's really you which I know it's not. Try to be yourself instead of Samuel L. Jackson. And why do I care. Because it's obvious you are insecure about the way you look. The real Samuel L. Jackson has no debts. There I spelled it right. Don't tell me in used a dangling participle.
Some people will even go to the extreme of suicide when they are in financial ruin, as was the case with one customer of the bank I underwrote for. Please know that bad credit is not the end of the world. To have bad credit simply means you may not get additional loans, and simply have to live within your means... (which once learned is very freeing). Please know that there is a light at the end of that tunnel. Simply take one day at a time and you will land on your feet. Don’t listen to any judgmental people either. Know that you are not alone; there are a lot of people struggling out there.
Dawn Murphy Hello guys I got $10,000 in my credit card from @hacker_rodney1 on instagram he loads all USA and Canada banks
It's very nice of you to offer your support and insight to others. You will never know that these words saved someone's life.
Dirk Diggler. people’s lives are worth much more than money. Lenders get a tax right off for the loss, so let’s put it all in proper prospective. I had a neighbor that was $60k in credit card debt. She did not get there alone. The lenders helped her aquire that amount of debt.
Dirk Diggler and thank you for your kind words I am all too happy to help
Dawn Murphy ,Thank you!
These people like to call without proper caller ID. When I get one of those calls, the first question I ask is "What is your authorization number?" 90% usually hang up at that point.
mylordmudd61: would you please elaborate more I don't understand.
I get a call and the caller ID says a city and state and a number. No name or business name. I immediately ask them for an authorization number ( which must be requested in writing in advance). If they ask why I tell them that all callers to this number without proper caller ID MUST have an authorization number. My number, my rules, by law. If they fail to provide proper authorization number, they receive the following message: Hanging up on this call does not exonerate you of your legal $25 debt. This is a legal cease and desist notice. You are hereby notified to cease and desist all contact with this number. There is a $25 notification and processing fee. Your legal debt is now $25. A $100 late fee will automatically be assessed to any outstanding balance in your account on the first of each month. Your consent to this is automatic. All payments are made by Paypal to ( my account ). Thank you for your swift cooperation in resolving your legal debt. Have a nice day.
mylordmudd61 I just hang up Lol
mylordmudd61, so then you give your actual PayPal account info and...anyone pay yet?
Why not, nothing in it, and no, nobody as stupid as you yet, but it is meant to discourage because I don't like my phone ringing at all hours because of useless waste of space people like "Cardholder services."
Thank You So much Irealy appreciated Your advice. Thanks for keeping Real
I will Call you on May 14 2025
I have known this . but others do not. Well done to you . Brilliant.
I worked for a credit bureau for over eight years. A lot of what he is saying is true. There is a statute of limitations, don't sign any forms or ever admit to them if you want to dodge the bullet. At some point the derogatory information (about seven years), will get dropped. There are situations where you might need to pay it off like trying to get a job. Part of credit reporting is demonstrating that you can pay your bills and everyone knows things happen especially collections. If you can, I would go to the collection agency directly and get a hard copy receipt of the transaction that also states that you want the trade line removed because you can make that actionable in court down the road if need be.
+R Goods Is it true you could go to jail if you don't pay ur credit card debt?I heard if you have a court order for bad credit and don't show up to court that they can lock you up.And still lock you up regardless.Is that true?
Jonathan Villalobos if your being sued you need to show up, if you have been served and are aware of the court date. If you just don't show then yes you can go to jail and lose the case as well. But apart from that there is no way a person can go to jail for not paying his bills. The only exception would be if you defrauded the credit agency and used false information to get the credit. Then yes they can charge you and you could go to prison. But if its legit, if Chase wants to give you a credit card with a 5G limit and you go out and charge it to the max and then don't pay....there is no way you can go to jail for that. Good Luck
+Herbert Hutchinson Thanks for the advice Herbert!
For credit Card debt, no, they are not going to send you to jail if you do not show in court. What will happen is that the company who owns the credit card debt will get a no contest default judgment because you where not there to defend yourself in court.
The only debts that can get you put in jail are ones that are the result of fraud or a Tax liability or child support. A credit card that was legally obtained by you and simply not paid will NOT land you in jail even if you do not go to court.
+Don Ixion Thank you for the advice Don.
I was involved in a mess with a collection agency about an old cable bill, where they said they didn't receive a piece of equipment back from me when I cancelled service 12 years ago. I refused to pay the $500.00 they were trying to extort from me. They even admitted they could've made a mistake but they could do nothing about it since it had been sent to collections already and it was no longer THEIR responsibility. They (collections) kept offering me lower "settlement" amounts but I still refused because I sent the equipment back in their packaging!! THANK YOU FOR THIS VIDEO! Very insightful. I feel incredibly empowered now!!
KEEPING IT REAL WITH CREDIT
THANK YOU!! That is a very nice gesture and you've helped me more than you know already. I will keep your info and I may indeed impose on your expertise again! Your knowledge is invaluable. THANK YOU AGAIN!
Too late! I just paid off half an overcharged bill by Comcast to a collection agency. They said to pay half. I did a couple days ago. I also paid a bill to collections that day & got a bill from the owner of my bill saying my bill is overdue. Crap! A little too late but I just subscribed to you. Keep up the good work, speak the truth, stay well & be safe! God Bless You!!!
Facts!!! I second that. Never pay collections.
Yes, to not paying the full amount to collection agencies!
No, to paying for credit restoration. Everything they do, you can do for free with by spending some time and effort researching what they do on your behalf.
I never pay shit....
Lmao
Cowboy 😂
🤣😂😂
😂😂😂😂😂
😂😂👌🏽
Thank you for explaining it better than anybody 🙏
Thank man, I learn so much from your info.keep making new contents so we can learn from u.
My father always drilled into us kids, that credit doesn't mean you have money.
R Goods mehhh, Dave Ramsey says you dont need credit at all to get wealthy, so...
Clorox Bleach Pay cash for a $300k house?
Don Harris GREAT response.
Yes, credit helped me a lot through life and saved me from losing my car and apartment/house. You get burned with no credit with payday loans, higher interest rates and paying deposits for everything. Not having to bother friends and family for a loan when you need a new $7000 a/c for your house or a new transmission for your car is very empowering.
billybassman21 that happens when you are not financially responsible and buy stuff om credit that you cannot afford, I was like that. As am example why buy or lease a $30,000 new car when you have a bunch of debt with other stuff, just get a cheap beater car, people need to understand that just because you can by something doesn't mean you can afford it.
God Bless your Soul. Debt has weighed down my heart. You have given me inspiration .
Brian D
Nice comment!! 🇨🇦
Brian D sir you should also research using your birth certificate to pay debt. and ive also found that foreclosures are unconstitutional. the bank is committing fraud when they foreclose on a property....its a little too much info to get into but im sure you will be as fascinated to learn about this info as i was. the real america, land of the free still exists, its just being hidden under fraudulent agencies and statutes. the irs is another one.....completely 100% fraudulent. and dont take my word for it, take the word of ex irs employees who figured it out and are now out to expose. i think this is one of the most important concerns we face today in terms of keeping tyranny at bay because we are completely brainwashed to not even question these things....all to maintain the illusion of control. even the judicial system is unconstitutional since it became a corporation ran by the bar association (which is a skull and bones organization. making it, at the very least, a conflict of interest if all employees of the court (including your own lawyer amd the judge) work for the very corporation that wants to enslave the society they are suppose to uphold.)
Brian D watch a video called "irwin schiffs secrets to living an income tax free life" ......i am honestly amazed this video has not been banned yet!
This works!! I did what he said. Thank you
I don't understand how people think they can charge up thousands of dollars and think that you don't owe it! RIDICULOUS!
You have to understand contract law.
Ur the best. I bet all the thumbs down you have on this video must be collection employee's or debt collectors. Ur a life saver.
Or from people who know he's wrong. No one can reset your original default date which is when the 7 years start and all new scoring models count paid collections as positives. Ignore medical bill collections since no one really counts those and also ignore collections where your original default date is more than 5yrs old as they dont hurt either. Source: i worked at transunion. Both collection companies AND credit repair companies are scams that consumers need to avoid.
He is correct it does not help to pay an agency. I stopped using credit 16 years ago, at first it was difficult but now I can save enough to buy a car cash because I don't pay fees.
Anthony Alexzander n
I totally agree with you Anthony but then do you know that sometimes it doesn't get to work that, I disputed my negative files , 2 months passed , I spent 107 USD trying to ask these credit companies to help me but they were so busy that they just charge me and give me BS crap .
I ended sourcing for alternative, I used one programmer sometime to delete my records and also boost my credit . Am 780s and almighty thanks to the Daniel guy behind my smiles .
I applied already and I got it just in 4 weeks interval .
Danielsten @ workmail . com would be his personal email domain . I only can urge you to give him a try and see the outcome. and by the way , I can facetime with you just to show you my current scores if you so wish .
Good Luck
I do not have bad credit and never did. I worked in collections. I do not use credit it is a suckers game.
Anthony Alexzander man you sound stupid the riches ppl in the world became rich of m credits
Smarter than you because I can write and it appears you have trouble spelling.
Thank you so much have an out standing balance day & to all readers
This only works if you owe maybe a small amount. My parents were sued for 30k in credit card debt. They didnt answer phone calls, but got letters from lawyers saying they were being sued and then process servers started showing up now they have lawyers involved to work with the credit card companies to negotiate it down.
Yeah anything above like 5 thousand is something they'll sue for.
Bankruptcy or move to a different state that does not allow credit card garnishments.
Good Information! I see some people wanted to criticize because some of this information is well known and basic, but there are people who don't know even the basics so this video is very useful for many people including myself!:) Good Job!
Keeping It Real With Credit so if I paid money to a student loan debt collector I already admitted to the debt and in no way is reversible?
David Rodriguez yes
Herbert Hutchinson so true. People are just rabid these days for no good reason
So what happens if say you make a payment then stop paying on the agreed term from the collection agency?
Movie Jimmy 777 ...hi there...I work for a collection agency. I can tell you with 100% certainty that the majority what is said in this video is incorrect. If someone accrues a debt from a signed contract, it cannot be sent to a collection agency unless said contract shows that it will be sent to one if it goes unpaid. Also, telling an agency your name doesn't equal admitting to owing a debt...signing said contract and not paying it equals owing a debt.
If a bill is unpaid and fees are added, those fees are from the original creditor, not the collection agencies because...the agencies don't own the debts, they service them for debt buyers(unless they have in house collection departments). It clearly states in the contracts people sign that this will happen. As for credit reporting...it is not the goal of the agency to damage a person's credit, it is to collect the debt, therefore it would make ZERO sense to continue reporting on someone's credit if it is paid. Any agency can remove a charge off someone's credit, but it is up to the agency. Why they wouldn't...that I can't tell you...but, it would behoove them to do so. As for settlements, that is up to the debt buyer. It's not actually based off the age of the charge, but is based off the number of agencies who have had it in the past (and every debt buyer chooses the settlement amounts or if they eant to settle at all as there are no laws that say bills sent to collections have to have settlements on them). So, if it's the first agency, it could be 10% off, if it's the 4th or 5th, it may be 50-60% off...never really know until it's in collections whether there will be anything given off or how much is allowed until the file is loaded. Thanks for your time! Have a good one.
You are so down to earth and very helpful from the heart. I can see it in you your face and hear it in your voice. Thank you kindly for these videos!
My FICO score is 821 now after using their credit repair service at Andy Hacks LLC, I didn’t believe in them at first after seeing a video of competitors giving bad reviews but I had to use them because I need to get mortgages, thanks ANDYHACKSCREDITFIX🟤ORG, your work is the best !
Thank you!I love your channel!
I disputed all my collections debts through Credit Karma and in 30 days most of them vanished. Two others fell of after 7 years passed. When collection agencies call me I simply say "wrong number" and hang up. If you don't identify yourself, they can't go any further on the phone. All mail goes back to them unopened with "Does Not Live Here" written on it. Oh, and if your first attempt to dispute fails, just wait 30 days and dispute it again. Eventually, they may fail to respond if not just wait it out. it doesn't work, however, with government loans. They never fall off.
Life Of Vee thanks for the info, if you don't mind me asking... how much did you have to pay for this service ? Thanks in advance for your time 🙂
Life Of Vee I did the same thing disputed 3 bill's on Credit Karma and they removed all three. Didn't cost me a thing.
Maria Rojas It's free u just have to sign up for it and it doesn't cost a thing to dispute the bill.
2blessed2bstressed 206 what option did you pick when u disputed?
angie91512 i always pick "i am no longer liable for this accont" it always comes off.
I went to court about a bad debt it was past the stature of limitations in this video I was my own Lawyer and I had a bunch of papers I kept from my original debt holder who threaten to take me to court but decided against. The people trying to collect did not have any kind of paperwork at all . DO NOT be afraid to stand up for your self I seen about 5 people in court with me who were paying these collection agency without even presenting their case.
Keith Cahalan ..... I was in a court situation also.... I was summoned by way of sheriff... I believe it was a law firm that was collecting the debt... how could I have fought that?
Donald Trump right now owes an outstanding loan to Deutsche Bank of Germany for over $300 Million dollars. Will they put that in collections? LOL
You are awesome!! Thank you for your information.
Thank you brother for this information I have credit card payment haven't be able to pay I'm retired and I have a small part time job and the company closed so I won't be able to pay my credit card I want to thank you for that information it's going to come very handy right now.
thank you for this information..I've been budgeting my checks in preparation to pay off collection agencies..so happy I researched via RUclips and found this video
I moved and never got my mail..debt collections came and when i thought paying them was the right thing to do it did nothing but ruin my history for little 10 dollar collections...this guy is telling the truth
Wow you just showed me something I didn't know thank you so much
This was an amazing, informative video. Thank u so much for making this video...I have now subscribed to your channel and I'm about to share to EIK...
I highly urge all parents or guardians to start talking to their kids when they are young about the importance of having and keeping great credit and starting immediately with their first ever bill that they acquire. I believe bad credit habits start with people who weren't ever taught. I think this discussion is just as important than the birds and the bees discussion. Ohhh.. and yah my credit stinks, man do I regret not understanding early on!
Michelle Torres how do I build good credit or even start one tho?
credit = trust
get one credit card (student credit cards are normally limits to 500$ or more) and make a purchase with it. Let's say about half the max amount you are allowed. (you now have a debt of 250$). When the bill come in (every month) pay back more than the minimum to lower your debt to 75% that amount (your debt should be now at about 60$).
This will 'tell' the credit company you can be trusted and you can pay back your debt and manage your expense.
Do this for 6 months. (buying something then paying it back, always on time, always more than minimum amount required (that info will be display on your invoice). Then, after 6 months, either ask for a bigger marge of credit (let say 1000$ instead of 500$) and see if they agree to increase your limit. Often you will not even need to do this, they will phone you or sent you an email asking if you would be interrested getting your limit heighten.
Normally in a few years, you should have a great credit. Of course, that doesn't do everything. Your salary, the time you work at your current job, will also give you a better chance at getting the car you want with the credit rating you have. No one would trust you with a Ferrari if you don't have the corresponding salary, whanever the credit rating you have...
@@pound4pound740 Start of by maybe financing a small purchase like a $500 stereo, make your monthly payments on time and it won't be long until it is paid off. This would be an easy feat for teens living at home because usually they are not paying rent or other bills. Take advantage of this time that Mom and Dad is helping you. These are major stepping stones to the success you have in your Adult life, even though you don't realize it now Kids !!
Michelle Torres you slave
Michelle Torres sheep
What a great service you are doing for the people harassed and living with the stress these crooked agencies are bringing into their lives.
WRONG.. there are unknown events in life that make issues. People lose jobs, lose a father a wife or a husband. Debt collectors will collect you're money then sell the account to another etc. I have one from 1997 that my dead wife did. She died and they came after me. I paid it. a year later another company contacts me for the same damn thing.. It is now 2017 STILL these thieves contact me trying to constantly collecting the same 325 dollars and they always attack my credit. If you look at mine you see 7 different collection agencies claiming the same money and every one of the bastards refuse to be honest and remove it. You have no idea what you are talking about you just assume you are better than others... Shame on you
David Moody wow you should if you haven't already is maybe contact a lawyer. it's my understanding that you are not libal for purchases your wife made. Just because you were married does not mean you are responsible for it! You can even contact the Federal Trade Commission. I just received a summons myself and plan to fight back
Awesome😀I am a realtor. You gave the best advice ever. I tell this to my clients you would be surprised. I do get them qualified.
Hi what does your score need to be to qualify?
Check with a loan officer that does mortgage loan in your area or state. Here in Texas you can have a 580. There are hundreds of loans available for first time home buyers; they work with you.
Thank you
Thank you!!!!!! I APPRECIATE THAT INFO MORE THAN YOU KNOW! GOD BLESS YOU ALWAYS!!!!!!!!!!!!!!
4.4k Debt collectors do not like this video!
Cuauhtli Astorga 😂😂😂
🤣🤣🤣🤣🤣
Lmao
As a result of watching this video, i appealed a $960 debt with a collection agency. It was removed, my score went up 30 points and i didn't pay a dime on that amount. Thank you!
if ya stopped spending money for a fake face you might be able to pay your fucking bills. Fucking kids these days expect everything for nothing.
Bonniville Black Cherry wow, you're a nasty person. If you must know that is my real face, all natural. I have a career, three kids and i freelance as a model. My son had minor surgery on his thumb and due a discrepancy with insurance billing i was left with the balance i mentioned. I do respect you're honest opinion though and I'll pray for that wicked soul of yours.
Bonniville Black Cherry it wasn’t that serious
Bonniville Black Cherry lmao mishi wacked the fuck out of you 😂😂😂 not even a come back? Damn son, go eat a tide pod now and think about the dirt you tried to throw 🤣
So who is actually the one who reports u to the credit bureau ? The original creditor or tha CA?
I respect this a hell of a lot
THUMBS 👍 this Video!! Very concise and informative!!!
I'm glad you have posted this. Yes enlighten the masses. The credit card companies, phone companies, etc. They write off their debt and then sell it off to debt collectors who are only trying to capitalize on bad loans. It's the uninformed persons who feel vulnerable and pay then thinking they're debt troubles have been resolved. Just know when you are having trouble paying off your credit cards. Your best bet is to call your credit card company and work out a payment plan with them.
koolmanlou. I tried that BEFORE a problem started. My husband died and his income stopped immediately. I paid as long as I could and eventually became delinquent. I will never hold a CC again. When my husband died I was short on burying him by $200 and asked for an up in my credit for that amount. The account was never delinquent and I hadn't ever asked for a bump in the 5 years I had the card. They have no heart and I won't give them another $$.
Hi Ray! Thank you very much for this information. This is the kind of information most people in-the-know do not share publicly. I commend you for wanting to help others Ray.
R Goods can you email me at arturobarus@gmail.com please. I would like to ask you a few questions.
Bill Faulkner Amen
Glad to have you . Thank you.
When you get letters in the mail put RETURN TO SENDER. Lol
You just put it back In the mail box with the flag up lol
Another thing you can do is dispute the collection agency's record of what you owe. Tell them to furnish proof that you owe. Most of them don't hold on to that information and they're forced to close that collection account once you dispute it. Credit karma has helped me dispute and remove 3 accounts that the collection agency couldn't furnish proof of.
jred726 hmm, really? That's pretty helpful information to know.
Tony A. Yes sir! If you have CK, find a collection account, if you have one and click dispute. The credit bureaus will then request proof from that creditor that you owe. If they don’t have it, it’s take off by the bureau with 30-45 days. Your score will go up from every account deleted. You can only dispute one report at a time. I suggest going for the account with the highest reported balance. Good luck, I hope I helped
So even if you do have knowledge of the derogatory mark did you dispute it as "I have no knowledge of this account" because they give you a few options, thanks!
Emilie Covacari That's exactly what I did. It's a gamble but most of the time it pays off. These collection agencies are scammers and if you can beat them at their own game, do it!
jred726 great advice sir !👍
I have heard this advice before. I also heard that the best way to handle it is to try to pay the original creditor to whom you owed the money before they sold the debt to a collection agency. Some will negotiate a lower amount. If you pay nothing and just let the statute of limitations play out, your credit takes the hit for the unpaid debt for all those years.
Thank you. So very helpful
If only student loans worked like this 🤦🤷
Ikr I owe now a little under 3k
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@@libertoncorpcomisongoogle1023 lol next time know what your talking about that's when Forbes was hacked by hackers
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The 1k dislikes are debt collectors 😂😂😂
Chris Frazier lol!!!
😂
Chris Frazier 😂😂😂
Chris Frazier 😂😂😂😂😂😂
Chris Frazier and he has 47 thousand friends who just happened to like it
100% complete accurate information !!!!! I had major credit issues in the past I actually worked with a few of the companies I had debt with ( NOT COLLECTION AGENCIES ) to settle for a lot less than I owed. Because I came to a time I was able to do it and I wanted to speed up the recovery process. Today I dont use much credit, I dont carry balances unless I decide to buy something that takes me a 2 or so months to pay off and my credit score is almost 800 I also used a credit repair company, They werent scammers, they were an actual legal firm with excellent communication and treated me like I was their only client to help me with a few cases I was not able to solve on my own and they were very helpful.
Anthony Guarnieri soo are you saying I can stop paying my mortgage?
Neo Klyptic uhhhhhhh im pretty sure no he is talking about COLLECTION accounts num num
All of the dislikes are probably by debt collectors😂😂!!
Mostly lol
I’ve always wondered that :)
feel free to call or text me at 561-935-5400 for a credit evaluation that my direct line
Great info! I have the same picture of Chicago in the background.
👍🏽
thanks for the info brother. knowledge is power.
Roderick Brent knowledge is power only if there's action put into it 😉
+Jenny Fierro Amway I agree good sister
Roderick Brent you're a cutie
BUSINESS SAVY your thirsty
John Ibarra first of all its "You're" not "Your", and why do I have to be thirsty to give someone a compliment? Guess you'd rather me be bashing him instead huh???? I can't see how that botherd you or Why lmao. SAD!!!...
You see I can tell by your writing that you have no intelligence, so I can't even get mad at you, I can only feel sorry for you. So now that you've taken the time out to address me with your simple minded thoughts, you can now carry on with your miserable negative life. I'll sleep well at night happy, and positive.
Oh, and he's not only cute, he's Handsome.
Toodles!!!
My mother was formally a bill collector and she said the same thing.
Don't ever talk to them. Don't answer the phone, ever. After 2 yrs, when they haven't taken you to court, it means they have no reasonable chance of getting you to pay. Fuck 'em!! I did.
Jimmy Kraktov what about your credit score? Hah.
Thank God in NY its only 3 years. Each state has different statue of limitations.
That's good advice my brother
this video is spot on -10 years ago I had a setback, and with my research and the information I gathered - I did exactly what he said. Do not let collection agency intimidate you.
rick g statue of limitations is key
Collection agencies would make a lot more money if they just accepted full payment in exchange for removing the negative listing on gour credit report.
Soon as,I found out it stays on yoir report even if u pay it I was like yeah not paying that
@@TheAngeloShow1 so glad for this info too. I have 3 collections on my name not mayor probably about $700 and I was going to pay them so they could be removed from my credit. Well I was also searching on how to better my credit and read somewhere not to pay them because if they are like say 5 yrs old they will still show but now it will be worse because it will show the date current activity. Basically it will show it was active on that date.
I really whole heartidly believe this but there is to much money to be made to make it that easy on the consumer.
If you make a letter and send it to the agency, you both sign. After you pay the debt the negative it will be removed off your credit report, I know because I have done this. Also, in most states negatives go off your report in 7 years whether it is paid or not.
You can get in writing a promise they would remove it upon payment. I had 2 things taken off of my report, even without the promissory.
This was a great explanation!
I need to!!! You're so informative
Your very welcome
I like how he zooms the camera in, before he gets serious.
That's only because he's full of himself. But how is he going to talk without flapping his hands and arms all over the place?
Good info and its coming from the 305! Much appreciated bud....
Really appreciate this!!!
KEEPING IT REAL WITH CREDIT: I might just be reaching out to you. I watched like 10 videos and the only one that was helpful was yours. All the rest didn’t actually give any information, they just skirted around the topic. Thanks again.
Thank you!!
Rule 1: Don't answer the phone if you don't recognize the number. If you answer the phone and they want your name, ask who's calling and say "wrong number." Rule 2: If you get a collection agency letter (sometimes disguised as a law firm), do not respond to the letter, do not acknowledge you received the letter. Rule 3) Yes, there is a statute of limitations for when an unpaid bill goes to collections, and a lot of agencies will not take you to court for smaller amounts. Rule 4) Don't panic! There are ways to increase your credit score. Rule 5) If you owe a bill, the agency will try to contact you again for payment even after the 5-7 years have passed...ignore them. He's right. When you admit to a bill, you've reactivated that account again.
yes there is a statute of limitations, and you can wait it out, but you won't be able to get credit somewhere for seven years, that's a long time. you should try to make payment arrangements for less than the amount you owe.
Ignoring it is worse.
No zombie hmm . nvm oh zoo . I y prix
@@monie948 even if you pay it it still looks bad for at LEAST 7 years trust me I know I had a issue with Sprint ( worse it was someone else who took the phones out in just name because he had s friend working at the store who did it for him) anyways I ended up with a 1200 a bill for something I didn't even use they k ew I told them the whole truth and instead of trying to fix it or look into the crooked employees and doing something since who knows who else they did this too, no they just kept harrassing me. I told them over and over I wasn't paying It and they never took me to court or anything but they called and mailed me steady for well over 7 years this happened my son was 1 and the last call or lettter I got was a couple years ago 2016 exactly and my son is now 15 so yeah statute doesn't mean anything to them. So I finally caved and paid well guess what it still looks bad on my credit even though it was paid in 2016. It still is something that keeps me from being able to get credit because I don't have a lot of credit I have quite a bit of good but most was before this my perfect car loan that paid off other cards and still I get denied for phones or I have to paid super high deposits and go on provisional plans so yeah even saying the damn things still hurts you. You're screwed either way
lovejoy9592 what if admit that it’s yours even if it’s past the statute , it’s been off your credit report for years now , and THEN they somehow got you to verbally admit it’s yours? Does that deactivate the debt ? I hate a collections that is calling about a very old debt that has been off my report for at least ten years and yes, I was stupid enough to be tricked into admitting its me but I did not acknowledge that that was my debt. Thoughts ?
Everything you said makes so much sense glad you're educating us♡♡♡
KEEPING IT REAL WITH CREDIT I subscribed halfway through your video lol
Katrina Mann ikr
lmao. 99% of the people who watched this video have a credit score of less than 301 and still trying to find ways to lower it.
This is so much BS. BECAUSE It says in the fine print THEY ARE ALLOWED BY LAW TO SELL THE DEPT TO THERE 3 PARTY WHEN U SIGH IT SAYS IF YOU DONT PAY WILL SELL IT TO BBC YOUR LIVING IN A DREAM WORLD NEO BECAUSE YOUR SS NUMBER IS LINKED TO THE ACCOUNT
I owe the hospital $700 out of $1,600 I don’t have a job rn so they literally kept sending me letters when my fiancé got unemployed and stoped paying for like a month they stressed me out because they we’re literally crying for $1,000 at least we were paying a month $50 better than nothing and today I got a letter saying I owe $83k which I know is not right since my insurance paid part of it and my responsibility was only paying $1,600 I swear these hospitals cry for $700 of money they should be happy we’re at least paying $50 a month
You should go to *Forbeshacks.* _Xyz_
They help in paying bad debt and fixing bad credit records.
Even if it is you , they still don’t have a lawful and legal contract with you
But never say yes in a recorded conversation. Unscrupulous people will use the recorded yes, cut it into the record after a question and say that you agreed to something that you didn't.
Out Here Saving Livelihoods and Credit Scores😂🙏🏾🗣💯💯
I never paid a collection in 20 years. I pay everything in cash if I can't afford it I Don't buy it.
Best Comment 👍
I also want to follow that motto,but when you want to buy a house and we all dont carry $500,000.00 in our pockets. What do you do? Take a Mortgage or a Loan. in order to do that. We need credit history
I had a injury, had to go to the doctor, did the math, it was $5000.00 an hour for 6hrs = $30,000.00. And just like that......
@J Idowu -- Well said and reasoned. There's two things that work against what should be just a tool, a valauble and useful too, but a tool nontheless.
The first is the idiotic Christian biblical doctrine that debt is evil and interest is usurious. You can damn well be certain that it was a guy in debt who wrote that edict thousands of years ago. But here we are today, right here in this comments section in fact, with people having been brainwashed into thinking that credit and debt are evil, immoral. Not the only thing crazy in the Bible, but it's a biggie.
The second is a lack of financial acumen. For most people, and that includes college educated professionals, finance is voodoo. It just scares the crap out of people, the terms, how it works, the paperwork, the fancy terms, and especially THE FUCKING MATH!!!!!!!!!!!!!!!!!!!!!!!! And nobody wants to admit that they're ignorant so they just get bent over and over and over and that jades them even more, etc.
Financial management should be taught beginning in Middle School. I have an MBA in Finance and 25 years of Corporate Finance experience and I know that the big secret that all financial professionals are in the know about is simply this -- it's just a curtain and we're all just pretend wizards. There's not much to it when you get behind the curtain, as you obviously know.
I'd just modify your comment by adding that debt is best used when it can be leveraged and is worst used when it's for consumption. A mortgage is generally a leveraged used of debt. Cars...not so much. And education... used to be a leveraged use, not so sure now.
I know you know what financial leverage is but for the rest of you sad saps out there, financial leverage is the concept of using debt to acquire profit making, wealth building, assets. The idea is that the cost of the debt is fixed and if applied to an asset that is going to grow in value over time you will have leveraged the debt for higher level of wealth than you otherwise could have obtained with your cash reserves alone. So the general idea is you only take on debt when it will make you money.
Consumption debt is just a yoke around your neck. Obviously medical debt is whole other dealeo. But insurance is also part of financial management and is just as important as any other part of your financial plan. In fact it's the first layer that should be adddressed, security. Security in the form of insurance whether self insured or third party including saving 6 months salary as an emergency fund etc. Shit happens and nobody can withstand a disaster. It can financially ruin you forever.
The second most important concept of personal finance is real simple and it's rare to find it in practice. LIVE BELOW YOUR MEANS. That's the big secret. That's how you save money that you can then invest in assets that will make you money over time.
Everybody can live below their means, just nobody wants too. The family bringing in $500,000 a year looks down the street at those poor slobs only making $250,000 a year and they shake their heads and wonder how the hell do the do it? And the $250,000 a year family thinks the same thing about the $100,000, how in the hell do they manage to survive? And the $100,000 family thinks the same of the $50,000 family who thinks the same of the $25,000 family who think the same of the $12,000 family.
It's real simple. If you're the $75,000 family, you live as if you were the $50,000 family and if you're the $50,000 family you live as if you were the $35,000 family and so on.
If you managed to hang with this comment this far, do yourself a huge favor and buy this book: Andrew Tobias' _"The Only Investment Guide You'll Ever Need"_. It really is, and he gives it to you straight just like the preceding example.
Great vid bro, knowledge
Thank you for your information
There are loopholes that keep the debt ongoing. In Michigan the creditor can file a judgement and renew it every 10 years. Also file for garnishments.
You know that everything he says in this video is false right? Either by just not knowing how the industry works or by laws that have been passed since this video came out.
Great information sir, myself I've never had a credit card never needed one either but thank you for the great explanation on credit. Thank you sir,
Have a great evening.
,mike
he's from Florida, talks with conviction, and gives me the knowledge I seek in a simplistic easy to understand type manner. just the type of channel I been looking for. Thank you.
yea he doesnt beg us to like, subscribe, share the video to get more information delivered in our inbox.. Plus the comments seem to back up what hes saying.. good dude.
Always better to deal with the company where debt was incurred. Student Loans have no statute of limitations.