My letter is from a place where I never took my grandmother to the place that it states in the letter which is far from me and the place I took her to is paid off and we used the financial assistance from Sentra to help us with the bills. So the bills we got were 30 dollars every month for six months, the amount on the letter is ten times more that what we paid in the month. So thank you for this I wanted to write a good letter thanks for the help.
If a debt collector is asking you for amounts you don't really owe, they are probably breaking the law. If you're in Florida, call us: ricardolaw.com/contact/
Can't thank you enough for your outstanding channel and insightful presentations. Your wealth of knowledge is sincerely appreciated. It's a tremendous blessing to people how you set aside time to educate on the process of navigating debt collection.
@@RWlawFL The biggest takeaway that I learned from the channel is writing a dispute when collection agency makes their first contact. And beyond that, the importance of sending certified return mail with receipt signature. I failed to send that method to the past agency: MRS BPO. Had I done so, potentially may have had seven violations against them. Now they flipped alleged debt to a place called Qualia. Dispute letter was sent the correct way this time. I now have an attorney. Really enjoy though learning about this whole process.
I received additional charges for moving expenses, so I put a dispute through my bank because I used our bank credit card to pay moving expenses. The bank investigated these charges, and I received notification that I 6:51 did not need to pay. Dispute was closed. Now I am getting collection notices from a collection agency for the disputed amount and wants us to pay.
I want to dispute because the collection agency is wrong stating I opened account in January of this year when the original creditor say open the account in October 2021.
It sounds like the information is on your credit report. If so, you'll want to send that dispute straight to the credit bureaus, not the debt collector.
There are so many channels on here claiming to help with credit repair and some say don't send a letter to the collector and some say do send one. I made the mistake of sending one to Convergent Outsourcing, didn't even send it "return receipt" and of course I haven't heard back and it's still on my reports....I subscribed to your channel hoping to learn better :)
Depending on how you worded your letter, if they're still reporting to the credit bureau, they may be violating the law if they fail to report it as disputed. But on the plus side, it sounds like they may have stopped trying to collect from you.
You are awesome, I followed your video and did my dispute letters and had 4 items taken off my credit the creditors wrote me back and told me they were deleting the accounts.🎉🎉🎉
If I am dealing with a debt buyer, can I use the argument that I never signed an agreement with them as a valid defense? How does the sale or transfer of debt affect my responsibility to repay it, especially since I did not enter into any contract directly with the debt buyer?
> How does the sale or transfer of debt affect my responsibility to repay it They have to prove there was a legal transfer of the right to collect the account. This can be difficult. > can I use the argument that I never signed an agreement with them as a valid defense? No. You probable have much better defenses available to you. If you're in Florida, we can help. Give us a call at 352-567-3173.
My debt was apparently sold to a third party. How should or should I even make a dispute letter to that new debt collector? This video was super helpful too brother.
Glad you liked the video! You can and should send a dispute to the new debt collector, every time a new one pops up. Watch our Debt Collection Battle Plan video and our Three Ways to Make $1,000 video.
Is it valid to dispute based on finances? If you can’t fully pay the amount, can you lower it? and is it fine to send a dispute letter electronically? and if they never sent proof of debt, should you validate it first?
What abt a Morgage being bought? My moms (70's) bank, Bank of America sold out to Ameris, who hired Specialized Loan Servicing. I JUST read on the back of her "statement" THIS IS A DEBT COLLECTOR". I HAD NO IDEA. Im just starting to start taking over/her affairs.
Keep an eye on Ameris. They only count as "debt collector" if her bill is past due, but federal law gives you some rights regarding mortgage loan servicing.
I The problem my lady and I are having is we were paying creditors but they didnt update the amount. The amount they say we owe hasnt been updated to refelct what we've payed.
I have noticed that consumers do not realize just how important their signature really is when dealing with the enemy/Credit Bureaus. I always type my name and I never use an ink pen when I communicate with these entities.
Virginia charges personal property tax on your personal vehicle, long story short, the Virginia DMV still mails me an annual tax assessment bill the last two years to me in New York. I haven't lived in Virginia since 2021. Now it's in "collection". The DMV will probably just tell me it's in collection and the collection company will have to eat it?
If you think a hospital has overcharged you, there may be a claim there, depending in part on state law. Fair Health Consumer is just research, though, and doesn't seem to have any legal effect.
I just found your channel today and I'm so glad I did! In this video, you say to type in your name instead of actually signing it and I want to ask, why is that? What would be the difference?
It's based on the principle of "give as little information as possible." Why do they need to see your real signature? It doesn't benefit you in any way.
I received a letter from a debt collector called Online Information Systems in the mail saying I owe money to an energy company in Georgia. I have never even been to Georgia, much less lived there. How do I know if this is a real mix-up to worry about or just a scam? Should I ignore it? Call the energy company? Call the collector? I'm current out of the US longterm, so sending a return letter isn't a simple option.
What if the debt isn’t valid bc the contract upon which it was based was had a termination clause that was met. Daughter signed housing K with sorority, then transferred to another school and met all her obligations for establishing status to nullify the K. And now, 2 years later, we got a collection letter.
I was fighting a lawsuit against a junk debt buyer, The plaintiff asked the judge to dismiss the case without prejudice because his client didn't have a sworn affidavit. What are the chances of them refiling? I was ready to go to trial,
If it's without prejudice, then they can refile. This is why we teach "total victory" over a debt collector, where THEY pay YOU instead of the other way around.
I 've been looking for this answer everywhere but can not find it. My debt collectors haven't called me. I dont know why maybe they have another phone number but it shows up on my credit report. How to I request my account information from a debt collector?
If they're writing to you, it's in there. If not, check your credit report. If it's not there either, how do you know there's a debt collector involved?
Once a car is repossessed, any debt collector has a higher obligation to prove any remaining debt. This is a very specialized area of the law and may vary from state to state.
question how should i dispute late payments that are reporting on an account that's in a hardship program and they are still showing the account as past due. Meaning i reached out to my creditor and explained i was having difficulties due to a stroke i had just and asked if there was any arrangements that could be made. i was told that they would put me in a hardship program and the account would be updated as payment arrangements made but they are still showing past due even though i was told that by being in this program this wouldnt happen. What should ido
What about in the scenario that the creditor never billed insurance correctly, so while in the process of fixing this error and re-billing insurance (and they said it wouldn’t go to collections while in this process) they sent it to collections anyway. Before insurance could fully pay whatever part they were going to pay….so I shouldn’t owe the full amount but I don’t know what I truly owe because it didn’t get completed with insurance.
This sounds like a dispute with the underlying creditor. If this is a Florida case, we may be able to help. If it's not, consult a lawyer in your state. ricardolaw.com/contact/
Thank you for your information. What if the debt had been paid to the doctor just before creditor letter arrived? Do I let the debt collector them know in letter that this has indeed been paid to original owners of this debt?
Hey I recently came across a collection debt on my credit report and I was never contacted by the collection by mail or phone. also was never given any notice or billed for this by the company they are collecting for should I still dispute it? or how should I go about it
You shouldn’t dispute a credit report entry, unless it’s in accurate, obsolete, or contains other unverifiable information. What about the credit reporting is somehow wrong? If you can’t find that, then there’s no legal basis for you to dispute anything.
Portfolio sent me a letter to collect a debt from citi Bank, but i checked all my credit reports and it seems that citi bank never reported to any of the 3 credit bureaus. What should i do?
Hey, i received a letter from a third party. i disputed an amount . they sent a letter asking me for ssn , account number, description date, etc. I dont believe i owe this . Do i respond, or can we speak on this further
If you're in Florida, call us. If you disputed the debt, they have to stop collecting until they send you verification of the debt. You don't have to give them any additional information. If they don't stop, they're breaking the law: If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed…the debt collector shall cease collection of the debt…until the debt collector obtains verification of the debt… and a copy of such verification…is mailed to the consumer by the debt collector.
Debt validation letters only go to debt collectors. If you want to dispute something on your credit report, those are different letters that we mostly don’t talk about here.
In November of 2022 I paid off several medical bills before the new year that was left over after my insurance paid their part. Well the new year 2023 those same debts rolled over to the next year with my health insurance changing to a much lower insurance I didn’t choose myself so now all those bills came back with my owed amount much higher even though they were already paid which I have proof of payment for that amount was not added to my co payment last year..it’s not in collection yet but anthem is giving me the run around even though I have 3 creditor letters saying it was paid..what do I do now..I’ve paid over 3k of the $4k they say is my responsibility for 6 hours in the er?
Unfortunately this is wrong. Dermatology collectors don’t need your permission to report unpaid debts. The main requirement is that their reports must be factually correct.
My apartment gave me a 3 month notice that they would not renew my lease .i didn’t move out prior before the 3 months i moved out the day they told me i had to be out and now there saying i owe 1100 for fees of not giving a 30 day notice . how to i get this off my collections ?
I own an investment condo under my business name and am current on HOA and special assessments. However the condo board did not pay the master board and the master board is now trying to collect from the condo owners through a legal collection firm. The debt is validated but it is debt owed by the condo board, not the owners. I'm assuming the same rules apply? I just need to write to say that I dispute the debt since I am current; I have paid in full what I owe in HOA and special assessments, correct? Can they put a lien on my condo?
Nothing on this channel is going to apply to investment property because it's not "consumer debt." If you're a real estate investor and you don't have a real estate lawyer on speed-dial you're setting yourself up for disaster.
A debt validation letter is the wrong tool for this job. You can send a dispute letter to the credit bureau, (not the original creditor or the debt collector) for any account on your credit report that is inaccurate, obsolete, or incomplete. They have a duty to make a "reasonable investigation" and correct inaccurate information, and to remove information that is obsolete or cannot be verified. If they fail to make this investigation, or fail to correct or remove information that's not accurate, complete, and timely, you can sue them for any damages suffered because of that failure.
I'm in Florida and I asked them when should send them their cell phone and as time pass they said I could keep the phone but I called and said I don't want it anyway they didn't answer my question so now they are contacted me again
I cannot afford multiple certified mailings as they are nearly $8 now. I want to dispute and have them stop attempting to contact me. I'm in my last year of life, and have indemnified myself (judgment proof), and have transferred all assets several years ago. Which "One single letter" can I send?
Check out our free letters. If you can’t afford certified mail, then don’t. If your only goal is to stop then from contacting you, just focus on the cease contact letter in our free package.
I got a letter from midland credit saying it is a “Attorney Review Planned” and it’s says final notice and in the back it says who was the company I owed and that it was charged off and that Midland creditors are now the sole owner of the debt….I live in Massachusetts and have no idea what to do cuz I didn’t receive a letter asking if I would like to dispute and I am not working so I have no idea what to do….can I still dispute or anything else besides pay because I am not working
If Midland hasn’t sent you the five day letter, they are probably breaking the law, and that means they might owe you money. There are a ton of consumer lawyers in Massachusetts who can help you. Look for a lawyer who handles FDCPA work.
I just received a letter from a debt collector for questionable fees to an apartment complex where I was guarantor for my daughter. I never received any correspondence for outstanding fees from the apartment complex when she moved. We did a thorough clean of the apartment according to their requirements and also paid to have the carpet cleaned and provided the apartment complex with a copy of that receipt. We also understood that we may not get our deposit back because the kitchen cabinets would need to be painted. Other than that, there should have been no issues or outstanding fees after the keys were turned in. Should I still submit a request for validation to the debt collector? Should I request a detailed list of the outstanding fee from the apartment complex? Should I ask why they didn't contact me directly prior to contacting a debt collector? What is my next step?
If you got a letter from a debt collector, you can dispute the debt and ask for validation of the amounts. But if they're not doing anything more than sending letters, you can safely ignore them.
Hello, I have a question. I have a collection on my credit report for a balance from an apartment complex. I know the balance they trying to collect is incorrect because I have the final statement from the apartment complex. Should I dispute this with the credit bureau and send them this statement, go straight to the collection agency and request debt validation, or go to the collection agency and tell them they are trying to collect money I do not owe and send them the statement?
Send your debt validation letter first. Once you get the green card back, send a dispute letter to the bureaus. Then see what happens on your credit report. Check out our Debt Collection Battle Plan video first.
You'd need to create a custom letter explaining why you feel the Act applies to you and what you want done to fix the problem. A one-size-fits-all letter would be worse than useless.
If original debt collection notice has two names on it, for example both spouses. Should both people write separate dispute letters? Because only one spouse has the debt…
If it is a joint account, or a joint debt, and the debt collector said a single letter to both of you, then you probably do need to send a dispute letter for each.
@@RWlawFL ok it’s not a joint debt but they are trying to make it look like a joint debt. The original contract with the original company only had one spouses name on the original contract.
If they're claiming that both parties owe the debt but it's only one, that would be a violation. I'd want to confirm that it was only one spouse who owed the debt; if I was satisfied about that, BOTH spouses would have a lawsuit for the false statement that both both spouses received.
@@RWlawFL ok great thank you for your response, now do I still send out two seperate dispute letters to them asking them to confirm or validate the date ? I guess I’m trying to think of how I would word this when I send them the dispute letter. I have the original contract with the company with the proof it was only in one spouses name. Any help is greatly appreciated.
Thank you for this! Should we send this letter if we've received a pre-legal notice? Will sending this stop/delay them from suing? I have a notice and they gave me just one week to respond.
You can send this letter for a pre-legal notice, yes. In fact, you are likely to get information that will help you uncover a violation, depending on which debt collector you're dealing with. Check out our Debt Collection Battle Plan video.
@@RWlawFL Well I sent the letter certified return receipt, but it's stuck in a processing center. The USPS mail has been horrible recently. I don't know when it'll get there. Today was the deadline on the pre-legal letter Midland sent me, so I called and just said I'm disputing the debt and request that proof of validation be sent to the address on file. I just wanted to have something on record. What if they sue me before my certified letter gets there?? Should I send another via FedEx or UPS? It's nearly $200 for 2-day mail 😥
Enterprise is suing my son for a crack in the windshield that was already damaged when he picked it up. The agent pointed it out during the walk around. He returned the car in a different state than pickup. The lady checked it in and he was reimbursed his deposit. Three months later received a bill from enterprise. He just received a letter from a debt collector. How do you respond when you can't prove the truth? Shouldn't they have to prove he is the one that cracked the windshield?? Any advice is greatly appreciated.
I had my own experience like that with Enterprise. In Florida, it's probably illegal for Enterprise to do this, and they would be liable for damages if you sued them.
@@RWlawFL We are in Tennessee. Is there anyway around this? Do we still respond with a letter denying the debt and wait to see if they take us to court? My son is 20 and worried his credit will be ruined.
@@kristyp8260 Again, if I were in Florida, I'd consider taking Enterprise to court. I can't speak to Tennessee law but this sounds like fraud. And let me be very clear, if they're already suing you, you'd better get a Tennessee lawyer fast.
Hello, I went to HCA emergency room last year. I am an adult on my own medical insurance via my employer. Whilst in the emergency room waiting room the attendant requested a next of kin. I provided my mother's name and they then put all billing under my mother's name (who was never with me). I called over 10 times to several different people in HCA billing requesting that the information be corrected without remedy. Now, they sent my mother to collections. Should my mom provide all the details of what occurred or just that she doesn't owe the debt, was never present and never committed to the debt?
If the debt collector does not have your current address and the amount charged is an overcharge by the creditor what standing do they actually have ? Also the amount they claim i owe is barely over the cost for them to fule against me and im not in the same state as them.
@@RWlawFL Just to be clear, they are overcharging because the hospital is overcharging me, the collection service is actually a affiliated division of the hospital. Hospital did not keep their promise in accordance with their posted estimate of CPT code online. A CPT code that cannot be found now through their online estimate system.
Yes. In Florida, I'd sue them both if they're both overcharging you. I'd guess most other states this would also be possible. If you're in Florida, give us a call: ricardolaw.com/contact/
You can tell them that contacting you at a particular address is "inconvenient" and they have to stop sending letters there. Check out our free dispute letter kit: rwlaw.gumroad.com/l/letters
What if I owe an amount but it includes ridiculous "admin"fees which are more than the amount owed for the tolls? How do I word that to get them to send me an updated bill showing the actual charges without the admin fees?
The fees are either legal or illegal-depending on your state law and the contract you agreed to when you took the debt. If the fees are illegal, you can sue the debt collector for trying to collect them. (Don't bother negotiating with companies that do this) If the fees are allowed by your contract, it probably doesn't matter how "ridiculous" they are unless they somehow break state law.
your videos have been really helpful. I got a letter from debt collector recently. the debt was obtained from a different state and i have moved to a different state, the debt is over 6 years old, the letter came in my maiden name cause my last name has changed and the letter was addressed to my sister's house and i don't live there. what should i do?
Question should you in the dispute letter include anything about having the attorney generals office investigate the matter into the original company? Does this add credibility or is it more information they don’t need?
I am trying to dispute a debt but the 5day letter they sent doesn’t have an address. I called them because I couldn’t find them online and they refused to give their address. What do I do?
what about if I didnt know and the account is about 4 years old they ask me to make a small payment i did ill guess they open it again but now they charging me more for what i owen a first. is credit card debit and is from thir party minland credit management. can i still disputed or fight for or not since i made a small payment ? thank you for your time .
I’ve written a verification letter and sent it back in July, it is now OCTOBER. For background, it is a medical bill on a day I did receive service. However, I don’t think I was reached out by my hospitals billing and it was went straight to collections. I am trying to understand if this physicians bill is truly mine now that it not coming from the hospital/provider. I sent an email AND certified mail, in which they have received both. I don’t want this wait time to hurt my credit even further, somehow. I requested an itemized statement along with my letter to prove my debt but they’re saying the hospital has not been able to get them the statement so it’s some sort of waiting game… Another this is that I ran 2/3 credit reports to try to see if my account appeared there, I don’t see it. If that normal to not report to the credit bureaus? I’m confused, what can I do? I’ve reached out to them via phone call to get an update every week at this point.
If it’s not on your credit report, and you haven’t heard anything from them since you disputed, then everything is working as planned. Don’t rock the boat. But if they contact you without responding to your dispute that may be a violation of law.
i got a credit card 6 yrs ago and never payd it and during covid i went to get a test and thought my insurance would cover it but it didnt now both of those went to collections deliquent now im trying to get a car and that is holding m back what do i do
Hello There, your videos are very helpful. I recently checked my credit report, and there's a collections account reporting on my credit, however the account is fraud how do I dispute the issue? I disputed the account in which it just came back as updated. What steps should I take next?
If you believe that there is a collections account on your credit report that is the result of fraud, the first thing you should do is contact the credit reporting agency (CRA) that is reporting the account and dispute the information with them. The CRA is required by law to investigate your dispute and provide you with the results of their investigation within a certain time frame, usually 30-45 days. To dispute the information with the CRA, you will need to provide them with any evidence you have that the collections account is fraudulent, such as a police report or statement from the creditor indicating that the account is not valid. You should also include a detailed explanation of why you believe the collections account is fraudulent, and request that the CRA remove the account from your credit report. Once you have disputed the collections account with the CRA, you should also contact the creditor that is reporting the account and dispute the debt with them. You should provide them with the same evidence and explanation that you provided to the CRA, and request that they remove the account from your credit report. If the creditor continues to report the collections account to the credit bureaus after you have disputed the debt with them, you may need to take legal action to have the account removed from your credit report. This could involve hiring a lawyer and suing the creditor in court.
Hi. Good evening thank you for this great info. But what if I never signed a responsibility account document or the estimate for the veterinary services they sent me to a lawyer for? Hopefully you could provide some information as I had received an attorney letter I am not sure if to respond or not. Thank you in advance. I'm in Georgia.
If they overcharged you, or misled you in someway, that might be a problem. Whether you “signed“ something or not probably doesn’t matter. But Georgia law may be different. I’m only license in Florida.
@@RWlawFL Thank you so much for your response. I am still trying to find a consumer protection lawyer in my area, unfortunately I've not succeeded. Do you know of one you could recommend. Thank you.
At this point, it's probably going to be best for you to speak with a debt collection lawyer in New York. There may be a violation there, and there may not.
Question: Can a total (full) amount of debt be sent to multiple parties for collections? I.E. Total balance went to two separate renters' credit reports, thus doubling the total. How is this disputed? Thanks in advance.
If it's the same account, it gets scored as one account, so there's no "doubling" the total. Watch our Debt Collection Battle Plan video to see what you should do next.
Alpine Credit is trying to collect $900 and took me to court and we are in the medication process. I don't get why $900 is what they're collecting for DOS I have no idea. I don't understand why that provider waited that long to collect. They always told me I was good on my visit back in 2020.
@@RWlawFL I ask Allen Greenberg the attorney who is representing Alpine Credit. That I have no knowledge of the bill. I want all my DOS of exactly what services that I was being billed for in detail. Plus I never consent for the provider to send my business out to collections. How should I handle this, and do you have any attorney that you can help me out with. I live in Denver co
@@RWlawFL can you help me fill out rule 316 form 9 for Colorado please. Alpine Credit Inc attorney says he must fill out that form, otherwise they don't have to show me verification for the medical Collections. Thank you
Is it true that you can dispute a debt by having them send you the original contract. If they can't provide that within 30 days, you can have the debt removed? How about concating then to pay a less amount (pay to delete).
>Is it true that you can dispute a debt by having them send you the original contract. If they can't provide that within 30 days, you can have the debt removed? NO. This is an internet myth. Check out this video to see what really works: ruclips.net/video/zcV35XzVzdA/видео.html
Thank you for the video. I received two statements from the debt collector. The transaction charges are very different from the NEW BALANCE AMOUNT. Do I need tailor the letter different from "provide a detail statement of the amount"
What if I’ve never been contacted. Or received any type of communication. I know about a debt bc it’s on my credit report. It’s been on it. I’ve disputed it and gotten it off in the past bc it’s my exes debt but he won’t pay it so they keep putting it on mine. It’s from a broken lease 5 years ago. I paid my portion to get out of the lease. He didn’t. Anyways they didn’t take my name off the lease so now it’s on my credit report. But no one has ever contacted me about it. I wouldn’t even know who to call about it.
Great content! What if I have 3 small charged offs? $152, $205 and $300. Their with Discover, Open Sky and TD Target. Can I just pay them off and then dispute the info? I can see the date open, last active and last report are all over the map on all 3 account. I’m short on time I need to get them off within 60 days. Thanks!!!
I had an accident in NH, and I had no insurance (legal there). A debt collector called me, but has sent nothing written. I got a suspension notice from NH DMV. They said after a $25 restoration fee "Security required or an agreement signed by both parties indicating the matter has been settled . . ." What does the security required refer to? If NH does not determine fault in accidents, which is what the cop told me, how can they take the collection agency's word?
Hi there, so glad I found your channel! I spoke to a debt collector about a debt that I do owe. However, it was the wrong amount. I told them this and sent the court ordered document. With the correct amount. They sent a revised letter with a revised amount, but still not the court ordered amount. I assume they added fees, which in Georgia, I read they can't do. Am I able to have this item removed from my credit based on them trying to collect an erroneous amount?
If you sue them for collecting illegal fees, which you probably can do here, they will probably have to remove it from the credit report. You also have a right to dispute anything on your report that’s inaccurate.
Question? In florida my wife Supposedly had a dept back on the year 1997. With LLC DEPT collector. June fifth two thousand twenty, she went in front of the judge, and they came to an agreement to garnish $50.00 every two weeks from her check. From two 2020 to November 2021 They have been garnishing the wages Just like the judge order period now. Now she had found a new job and started working at her new job. After approximately 12 months or so The same company started garnishing twenty five percent of her paycheck. So her check is approximately $1800 hundred dollars before taxes. After taxes and health insurance and so forth, they take a lot out. And now 25 %, so they're taking out roughly $700 from her check every 2 weeks. What can we do to stop this thank you so much. The only notifications that we received was back in 2020 when we went in front of the judge, and that's it. I believe they broke the law
> they came to an agreement to garnish $50.00 every two weeks from her check. Oh, no. > The same company started garnishing twenty five percent of her paycheck. If they broke their agreement with her, that's a violation of law. Call the office first thing Monday and let's set up a time to talk.
What if I never received any letter from AWS Collections?? Which I have never received any heads up or call from this AWS Collection agency. But they already put this collection account on my Experian Account??
No one Hass to send a letter before reporting a debt to The credit reporting bureaus. They only have to do that if they’re actively trying to collect from you through communications or court action. What does that mean for the debt validation scenario? It’s a gray area in the law. There appears to be no requirement that they respond to your dispute, unless you disputed in response to the 1692g notice. My next question would be, if you really don’t recognize the original creditor as reported on your credit report, and they should be reporting the original creditor, then you may be the victim of identity theft and you could possibly proceed that way.
@@RWlawFL I’m only aware of this collection because it popped up on Experian. It just say AWS Collection. So since Experian is claiming it’s verified, should I send a letter to experian asking how exactly did they verify this collection? Or send a letter directly to AWS Collection directly?
If it's inaccurate, obsolete, or otherwise incomplete, you can either send a follow-up dispute or go directly to suing them for any damages you suffered.
If your card was stolen, you need to report it to the police and to your credit card company right away. Otherwise, you might get stuck with all the charges the thief put on your card.
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My letter is from a place where I never took my grandmother to the place that it states in the letter which is far from me and the place I took her to is paid off and we used the financial assistance from Sentra to help us with the bills. So the bills we got were 30 dollars every month for six months, the amount on the letter is ten times more that what we paid in the month. So thank you for this I wanted to write a good letter thanks for the help.
If a debt collector is asking you for amounts you don't really owe, they are probably breaking the law. If you're in Florida, call us: ricardolaw.com/contact/
Can't thank you enough for your outstanding channel and insightful presentations. Your wealth of knowledge is sincerely appreciated. It's a tremendous blessing to people how you set aside time to educate on the process of navigating debt collection.
I’m glad you found it so helpful.
Is there something specific you’ve done that has helped you out, that you learned on this channel?
@@RWlawFL The biggest takeaway that I learned from the channel is writing a dispute when collection agency makes their first contact. And beyond that, the importance of sending certified return mail with receipt signature. I failed to send that method to the past agency: MRS BPO. Had I done so, potentially may have had seven violations against them. Now they flipped alleged debt to a place called Qualia. Dispute letter was sent the correct way this time. I now have an attorney. Really enjoy though learning about this whole process.
Wow, this is great! I hope you get everything you work so hard for.
I received additional charges for moving expenses, so I put a dispute through my bank because I used our bank credit card to pay moving expenses. The bank investigated these charges, and I received notification that I 6:51 did not need to pay. Dispute was closed. Now I am getting collection notices from a collection agency for the disputed amount and wants us to pay.
The bank investigation doesn’t bind the landlord or the debt collector. You probably need to sue one or both of them.
I want to dispute because the collection agency is wrong stating I opened account in January of this year when the original creditor say open the account in October 2021.
It sounds like the information is on your credit report. If so, you'll want to send that dispute straight to the credit bureaus, not the debt collector.
There are so many channels on here claiming to help with credit repair and some say don't send a letter to the collector and some say do send one. I made the mistake of sending one to Convergent Outsourcing, didn't even send it "return receipt" and of course I haven't heard back and it's still on my reports....I subscribed to your channel hoping to learn better :)
Depending on how you worded your letter, if they're still reporting to the credit bureau, they may be violating the law if they fail to report it as disputed.
But on the plus side, it sounds like they may have stopped trying to collect from you.
@@RWlawFL thanks for your response!
@@RWlawFL they actually responded, they sent back "verified" and sent a copy of a utility bill as proof..what do I now?
We've got a video on that! ruclips.net/video/4gdqv7aaRs8/видео.html
Your energy is contagious! Thank you again for much useful information. God bless you.
Thanks! We're having fun getting these out.
You are awesome, I followed your video and did my dispute letters and had 4 items taken off my credit the creditors wrote me back and told me they were deleting the accounts.🎉🎉🎉
Cool! Do you mind reaching out to me by email? ricardolaw.com/contact/ Put your username in your message to me.
If I am dealing with a debt buyer, can I use the argument that I never signed an agreement with them as a valid defense? How does the sale or transfer of debt affect my responsibility to repay it, especially since I did not enter into any contract directly with the debt buyer?
> How does the sale or transfer of debt affect my responsibility to repay it
They have to prove there was a legal transfer of the right to collect the account. This can be difficult.
> can I use the argument that I never signed an agreement with them as a valid defense?
No. You probable have much better defenses available to you.
If you're in Florida, we can help. Give us a call at 352-567-3173.
My debt was apparently sold to a third party. How should or should I even make a dispute letter to that new debt collector? This video was super helpful too brother.
Glad you liked the video!
You can and should send a dispute to the new debt collector, every time a new one pops up.
Watch our Debt Collection Battle Plan video and our Three Ways to Make $1,000 video.
Thanks for the video! I'm curious as to why you don't want people to sign their name on the dispute letter.
Two reasons: 1. The typed signature is enough 2. Why give them a handwriting sample they can use against you?
Is it valid to dispute based on finances? If you can’t fully pay the amount, can you lower it? and is it fine to send a dispute letter electronically? and if they never sent proof of debt, should you validate it first?
“I can’t pay” is a confession, not a dispute.
Watch our Debt Collection Battle Plan video before you make any damaging admissions.
What abt a Morgage being bought? My moms (70's) bank, Bank of America sold out to Ameris, who hired Specialized Loan Servicing. I JUST read on the back of her "statement" THIS IS A DEBT COLLECTOR". I HAD NO IDEA. Im just starting to start taking over/her affairs.
Keep an eye on Ameris. They only count as "debt collector" if her bill is past due, but federal law gives you some rights regarding mortgage loan servicing.
Very helpful, thanks!
Glad you liked!
I The problem my lady and I are having is we were paying creditors but they didnt update the amount. The amount they say we owe hasnt been updated to refelct what we've payed.
That’s a violation you could sue for.
I have noticed that consumers do not realize just how important their signature really is when dealing with the enemy/Credit Bureaus. I always type my name and I never use an ink pen when I communicate with these entities.
Legally, a typed signature is as good as one you write with a pen. So most people actually OVERESTIMATE the value of a signature.
Could you explain more? I don't understand this...🫣
@@staciewebb4829 Most contracts don't even require signatures anymore. Most of them are online clicks.
Virginia charges personal property tax on your personal vehicle, long story short, the Virginia DMV still mails me an annual tax assessment bill the last two years to me in New York. I haven't lived in Virginia since 2021. Now it's in "collection". The DMV will probably just tell me it's in collection and the collection company will have to eat it?
Nothing we say on this channel applies to taxes. Contact a Virginia lawyer if you have any questions about taxes there.
What if the charges from the hospital are excessive in comparison to costs for procedures etc from FAIR HEALTH CONSUMER?
If you think a hospital has overcharged you, there may be a claim there, depending in part on state law.
Fair Health Consumer is just research, though, and doesn't seem to have any legal effect.
What if you don't think they have the right to collect?
You can say that in your dispute letter as well.
Excellent info, THANK YOU sir!
You’re welcome!
I just found your channel today and I'm so glad I did! In this video, you say to type in your name instead of actually signing it and I want to ask, why is that? What would be the difference?
It's based on the principle of "give as little information as possible."
Why do they need to see your real signature?
It doesn't benefit you in any way.
@@RWlawFL Thanks, I was curious about that and thank you again as I'm going to using your advice to compose my letter today!
Great! Let us know how it goes!
I received a letter from a debt collector called Online Information Systems in the mail saying I owe money to an energy company in Georgia. I have never even been to Georgia, much less lived there.
How do I know if this is a real mix-up to worry about or just a scam? Should I ignore it? Call the energy company? Call the collector? I'm current out of the US longterm, so sending a return letter isn't a simple option.
If it’s not your debt then it’s illegal for them to try to collect from you.
What if they already have the last four of your ssn# on the notice?
That doesn’t change anything I’ve said in the video.
What if the debt isn’t valid bc the contract upon which it was based was had a termination clause that was met. Daughter signed housing K with sorority, then transferred to another school and met all her obligations for establishing status to nullify the K. And now, 2 years later, we got a collection letter.
Sounds like a violation to me. Did any of this happen in Florida?
I was fighting a lawsuit against a junk debt buyer, The plaintiff asked the judge to dismiss the case without prejudice because his client didn't have a sworn affidavit. What are the chances of them refiling? I was ready to go to trial,
If it's without prejudice, then they can refile. This is why we teach "total victory" over a debt collector, where THEY pay YOU instead of the other way around.
I 've been looking for this answer everywhere but can not find it. My debt collectors haven't called me. I dont know why maybe they have another phone number but it shows up on my credit report. How to I request my account information from a debt collector?
If they're writing to you, it's in there. If not, check your credit report. If it's not there either, how do you know there's a debt collector involved?
i am in Texas and im going to do this on my own and a bit nervous. i dont have legal representation in this case due to it being from damages.
Anywhere in Texas, call Bill Clanton. We interviewed him here: ruclips.net/video/wpo7ruwu9u8/видео.html
What if the amount my landlord sent to collections is inaccurate and wrong and it’s against what the lease says. What do I put in my letter
All you need to say is you dispute the debt. When they come back with “verification” and it’s wrong you can sue.
Hey any advice on repossession?
Once a car is repossessed, any debt collector has a higher obligation to prove any remaining debt. This is a very specialized area of the law and may vary from state to state.
So once we do what you have instructed above if they cannot prove the debt is yours, is it them removed from your credit report?
It may not be automatic. You may have to do some follow-up.
Thank you!!
You're welcome!
question how should i dispute late payments that are reporting on an account that's in a hardship program and they are still showing the account as past due. Meaning i reached out to my creditor and explained i was having difficulties due to a stroke i had just and asked if there was any arrangements that could be made. i was told that they would put me in a hardship program and the account would be updated as payment arrangements made but they are still showing past due even though i was told that by being in this program this wouldnt happen. What should ido
If a debt collector has lied to you, they've broken the law and you may be able to sue them.
@Ricardo&WasylikPL Thank You for this Valuable Information!
You’re very welcome!
Good information.
Glad it was helpful!
So what I’ve heard is that the creditor sold the account so that means the contract ended and there is no obligation to pay.
Whoever told you that is wrong.
What about in the scenario that the creditor never billed insurance correctly, so while in the process of fixing this error and re-billing insurance (and they said it wouldn’t go to collections while in this process) they sent it to collections anyway. Before insurance could fully pay whatever part they were going to pay….so I shouldn’t owe the full amount but I don’t know what I truly owe because it didn’t get completed with insurance.
This sounds like a dispute with the underlying creditor. If this is a Florida case, we may be able to help. If it's not, consult a lawyer in your state.
ricardolaw.com/contact/
Thank you for your information. What if the debt had been paid to the doctor just before creditor letter arrived? Do I let the debt collector them know in letter that this has indeed been paid to original owners of this debt?
If you’ve paid a debt that’s always a great point to raise.
Hey I recently came across a collection debt on my credit report and I was never contacted by the collection by mail or phone. also was never given any notice or billed for this by the company they are collecting for should I still dispute it? or how should I go about it
You shouldn’t dispute a credit report entry, unless it’s in accurate, obsolete, or contains other unverifiable information.
What about the credit reporting is somehow wrong? If you can’t find that, then there’s no legal basis for you to dispute anything.
Portfolio sent me a letter to collect a debt from citi Bank, but i checked all my credit reports and it seems that citi bank never reported to any of the 3 credit bureaus. What should i do?
That’s what the dispute letter is for. Watch some of our other videos and they’ll help you understand how to use it.
Hi, why do you suggest not signing the letter?
Two reasons: 1. The typed signature is sufficient. 2. Why give them a handwriting sample if you don’t have to?
@@RWlawFL thank you, it is never too late for a little more wisdom.👍
Hey, i received a letter from a third party. i disputed an amount . they sent a letter asking me for ssn , account number, description date, etc. I dont believe i owe this . Do i respond, or can we speak on this further
If you're in Florida, call us.
If you disputed the debt, they have to stop collecting until they send you verification of the debt. You don't have to give them any additional information.
If they don't stop, they're breaking the law:
If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed…the debt collector shall cease collection of the debt…until the debt collector obtains verification of the debt… and a copy of such verification…is mailed to the consumer by the debt collector.
im so confused so we dont have to send to Equifax, Experian ?
Debt validation letters only go to debt collectors. If you want to dispute something on your credit report, those are different letters that we mostly don’t talk about here.
In November of 2022 I paid off several medical bills before the new year that was left over after my insurance paid their part. Well the new year 2023 those same debts rolled over to the next year with my health insurance changing to a much lower insurance I didn’t choose myself so now all those bills came back with my owed amount much higher even though they were already paid which I have proof of payment for that amount was not added to my co payment last year..it’s not in collection yet but anthem is giving me the run around even though I have 3 creditor letters saying it was paid..what do I do now..I’ve paid over 3k of the $4k they say is my responsibility for 6 hours in the er?
If a debt collector is trying to collect a bill you've already paid, that's a huge problem for them.
What about if the same creditors file it twice in a 2-year period?
First time at July 2022. Last time is last month. Can they do that
That may be a violation, but it depends on what happened with the first case. Are you in Florida? If so, give us a call.
When the Dunning period passes, now it’s “Assumed” to be your debt is this why the debt buyers start reporting to the credit bureaus?
They can report whenever they want, and don’t have to wait for that period to expire.
They do not have no authorization to report any activity to CRAs.. it is your private information that cannot furnish without permissible purpose..
Unfortunately this is wrong. Dermatology collectors don’t need your permission to report unpaid debts. The main requirement is that their reports must be factually correct.
My apartment gave me a 3 month notice that they would not renew my lease .i didn’t move out prior before the 3 months i moved out the day they told me i had to be out and now there saying i owe 1100 for fees of not giving a 30 day notice . how to i get this off my collections ?
That's going to depend on the landlord-tenant law in your state. You might need a local tenant-rights lawyer to help you.
what if you've never received a call nor a letter about the debt?
Then there’s nothing to respond to.
Wht if u got some from an attorney
If they have a lawyer, you need a lawyer.
In Florida? Call us today.
If not, check out our most recent video.
I own an investment condo under my business name and am current on HOA and special assessments. However the condo board did not pay the master board and the master board is now trying to collect from the condo owners through a legal collection firm. The debt is validated but it is debt owed by the condo board, not the owners. I'm assuming the same rules apply? I just need to write to say that I dispute the debt since I am current; I have paid in full what I owe in HOA and special assessments, correct? Can they put a lien on my condo?
Nothing on this channel is going to apply to investment property because it's not "consumer debt." If you're a real estate investor and you don't have a real estate lawyer on speed-dial you're setting yourself up for disaster.
How would I write a letter for a collection I found on my credit report that I don’t recognize?
A debt validation letter is the wrong tool for this job. You can send a dispute letter to the credit bureau, (not the original creditor or the debt collector) for any account on your credit report that is inaccurate, obsolete, or incomplete. They have a duty to make a "reasonable investigation" and correct inaccurate information, and to remove information that is obsolete or cannot be verified. If they fail to make this investigation, or fail to correct or remove information that's not accurate, complete, and timely, you can sue them for any damages suffered because of that failure.
Is there a form for Statute of Limitations where the debt (my hospital bill) is passed the SOL?? Any help appreciated.
If a debt collector is trying to collect a debt that’s beyond the SOL, and they can seal this fact, you can skip straight to suing them.
I'm in Florida and I asked them when should send them their cell phone and as time pass they said I could keep the phone but I called and said I don't want it anyway they didn't answer my question so now they are contacted me again
I don’t understand your question.
How do you know if the amount is correct? My credit report says something totally different
Watch our Debt Collection Battle Plan video to see what you should do next. Sounds like you've found a factual inaccuracy.
The original debt was past the statue of years. Can the collection company still come after
Yes, but you can defend.
Can a breach of contract constitute disputing a debt balance?
I don't understand your question.
I cannot afford multiple certified mailings as they are nearly $8 now. I want to dispute and have them stop attempting to contact me. I'm in my last year of life, and have indemnified myself (judgment proof), and have transferred all assets several years ago. Which "One single letter" can I send?
Check out our free letters. If you can’t afford certified mail, then don’t.
If your only goal is to stop then from contacting you, just focus on the cease contact letter in our free package.
I was told before that handwritten letters are more effective. If handwriting a letter are you to print your name vs signing?
Why would you give them a handwriting sample? How many ways could that go wrong?
I got a letter from midland credit saying it is a “Attorney Review Planned” and it’s says final notice and in the back it says who was the company I owed and that it was charged off and that Midland creditors are now the sole owner of the debt….I live in Massachusetts and have no idea what to do cuz I didn’t receive a letter asking if I would like to dispute and I am not working so I have no idea what to do….can I still dispute or anything else besides pay because I am not working
If Midland hasn’t sent you the five day letter, they are probably breaking the law, and that means they might owe you money.
There are a ton of consumer lawyers in Massachusetts who can help you. Look for a lawyer who handles FDCPA work.
I just received a letter from a debt collector for questionable fees to an apartment complex where I was guarantor for my daughter. I never received any correspondence for outstanding fees from the apartment complex when she moved. We did a thorough clean of the apartment according to their requirements and also paid to have the carpet cleaned and provided the apartment complex with a copy of that receipt. We also understood that we may not get our deposit back because the kitchen cabinets would need to be painted. Other than that, there should have been no issues or outstanding fees after the keys were turned in. Should I still submit a request for validation to the debt collector? Should I request a detailed list of the outstanding fee from the apartment complex? Should I ask why they didn't contact me directly prior to contacting a debt collector? What is my next step?
If you got a letter from a debt collector, you can dispute the debt and ask for validation of the amounts.
But if they're not doing anything more than sending letters, you can safely ignore them.
Why did you suggest NOT to sign the letter with ink but rather just type the name out?
A typed signature is perfectly valid. I use them all the time in my letters.
Hello, I have a question. I have a collection on my credit report for a balance from an apartment complex. I know the balance they trying to collect is incorrect because I have the final statement from the apartment complex. Should I dispute this with the credit bureau and send them this statement, go straight to the collection agency and request debt validation, or go to the collection agency and tell them they are trying to collect money I do not owe and send them the statement?
Send your debt validation letter first. Once you get the green card back, send a dispute letter to the bureaus. Then see what happens on your credit report.
Check out our Debt Collection Battle Plan video first.
@@RWlawFL Thank you!! I have learned soooo much from your videos.
You're very welcome!
Is there a letter I can send about a medical bill to a medical collection agency about the No Surprise Act?
You'd need to create a custom letter explaining why you feel the Act applies to you and what you want done to fix the problem. A one-size-fits-all letter would be worse than useless.
If original debt collection notice has two names on it, for example both spouses. Should both people write separate dispute letters? Because only one spouse has the debt…
If it is a joint account, or a joint debt, and the debt collector said a single letter to both of you, then you probably do need to send a dispute letter for each.
@@RWlawFL ok it’s not a joint debt but they are trying to make it look like a joint debt. The original contract with the original company only had one spouses name on the original contract.
If they're claiming that both parties owe the debt but it's only one, that would be a violation. I'd want to confirm that it was only one spouse who owed the debt; if I was satisfied about that, BOTH spouses would have a lawsuit for the false statement that both both spouses received.
@@RWlawFL ok great thank you for your response, now do I still send out two seperate dispute letters to them asking them to confirm or validate the date ? I guess I’m trying to think of how I would word this when I send them the dispute letter. I have the original contract with the company with the proof it was only in one spouses name. Any help is greatly appreciated.
Typically I would have each person send their own dispute letter. But I'm not sure if it really matters whether it's one or two.
Thank you for this! Should we send this letter if we've received a pre-legal notice? Will sending this stop/delay them from suing? I have a notice and they gave me just one week to respond.
You can send this letter for a pre-legal notice, yes. In fact, you are likely to get information that will help you uncover a violation, depending on which debt collector you're dealing with.
Check out our Debt Collection Battle Plan video.
@@RWlawFL Thank you!! I'm dealing with Midland.
You're welcome!
Midland is exactly who I was thinking of. If you're in Florida, give us a call.
@@RWlawFL Well I sent the letter certified return receipt, but it's stuck in a processing center. The USPS mail has been horrible recently. I don't know when it'll get there. Today was the deadline on the pre-legal letter Midland sent me, so I called and just said I'm disputing the debt and request that proof of validation be sent to the address on file. I just wanted to have something on record. What if they sue me before my certified letter gets there?? Should I send another via FedEx or UPS? It's nearly $200 for 2-day mail 😥
> The USPS mail has been horrible recently.
Agreed.
Make sure you had the correct address, though.
How many days do we legally have to respond to the first debt collection notice? I’m in PA if that matters.
30 days under federal law.
@@RWlawFL thank you!
You're welcome!
Can you dispute if already being sued and have court date? FL
If you have a Florida court date, call us immediately. A dispute letter is not enough to protect your rights.
Enterprise is suing my son for a crack in the windshield that was already damaged when he picked it up. The agent pointed it out during the walk around. He returned the car in a different state than pickup. The lady checked it in and he was reimbursed his deposit. Three months later received a bill from enterprise. He just received a letter from a debt collector. How do you respond when you can't prove the truth? Shouldn't they have to prove he is the one that cracked the windshield?? Any advice is greatly appreciated.
I had my own experience like that with Enterprise.
In Florida, it's probably illegal for Enterprise to do this, and they would be liable for damages if you sued them.
@@RWlawFL We are in Tennessee. Is there anyway around this? Do we still respond with a letter denying the debt and wait to see if they take us to court? My son is 20 and worried his credit will be ruined.
@@kristyp8260 Again, if I were in Florida, I'd consider taking Enterprise to court. I can't speak to Tennessee law but this sounds like fraud. And let me be very clear, if they're already suing you, you'd better get a Tennessee lawyer fast.
Hello, I went to HCA emergency room last year. I am an adult on my own medical insurance via my employer. Whilst in the emergency room waiting room the attendant requested a next of kin. I provided my mother's name and they then put all billing under my mother's name (who was never with me). I called over 10 times to several different people in HCA billing requesting that the information be corrected without remedy. Now, they sent my mother to collections. Should my mom provide all the details of what occurred or just that she doesn't owe the debt, was never present and never committed to the debt?
If they're trying to collect a bill she doesn't owe, that's a debt collection violation. If she's in Florida, we can help-just give us a call.
I have to pay for the duspute letter sample ?
Not at all.
Go here: rwlaw.gumroad.com/l/letters
Enter "0" in the "fair price" window and you'll get the sample letters for free.
If there's old debt reporting on your credit report, is it worth validation? It's past the statute of limitations.
What state are you in? I may know when attorney that specializes in that particular fact pattern who can help you.
If the debt collector does not have your current address and the amount charged is an overcharge by the creditor what standing do they actually have ?
Also the amount they claim i owe is barely over the cost for them to fule against me and im not in the same state as them.
If they're overcharging you, that's a violation of federal law.
@@RWlawFL Just to be clear, they are overcharging because the hospital is overcharging me, the collection service is actually a affiliated division of the hospital. Hospital did not keep their promise in accordance with their posted estimate of CPT code online. A CPT code that cannot be found now through their online estimate system.
Yes. In Florida, I'd sue them both if they're both overcharging you. I'd guess most other states this would also be possible.
If you're in Florida, give us a call: ricardolaw.com/contact/
Thank you for your video
You are welcome!
what do i do when a debt collector is sending me letters to my business address. Is this a good letter to send and what should be said.
You can tell them that contacting you at a particular address is "inconvenient" and they have to stop sending letters there.
Check out our free dispute letter kit:
rwlaw.gumroad.com/l/letters
What if I owe an amount but it includes ridiculous "admin"fees which are more than the amount owed for the tolls? How do I word that to get them to send me an updated bill showing the actual charges without the admin fees?
The fees are either legal or illegal-depending on your state law and the contract you agreed to when you took the debt.
If the fees are illegal, you can sue the debt collector for trying to collect them. (Don't bother negotiating with companies that do this)
If the fees are allowed by your contract, it probably doesn't matter how "ridiculous" they are unless they somehow break state law.
your videos have been really helpful. I got a letter from debt collector recently. the debt was obtained from a different state and i have moved to a different state, the debt is over 6 years old, the letter came in my maiden name cause my last name has changed and the letter was addressed to my sister's house and i don't live there. what should i do?
If you’re in Florida, give us a call.
If not, check and see if you can find a way they broke the law:
ricardolaw.com/fdcpa-course-sign-up/
Question should you in the dispute letter include anything about having the attorney generals office investigate the matter into the original company? Does this add credibility or is it more information they don’t need?
It does not add credibility or do you any good.
I am trying to dispute a debt but the 5day letter they sent doesn’t have an address. I called them because I couldn’t find them online and they refused to give their address. What do I do?
I didn’t want to give my name to them so that is why they said they wouldn’t talk to me
They are breaking the law. You could go directly to suing them. If you’re in Florida, call our office after the holiday.
thank you.
You’re welcome!
what about if I didnt know and the account is about 4 years old they ask me to make a small payment i did ill guess they open it again but now they charging me more for what i owen a first. is credit card debit and is from thir party minland credit management. can i still disputed or fight for or not since i made a small payment ? thank you for your time .
Watch our Debt Collection Battle Plan video.
I’ve written a verification letter and sent it back in July, it is now OCTOBER. For background, it is a medical bill on a day I did receive service. However, I don’t think I was reached out by my hospitals billing and it was went straight to collections. I am trying to understand if this physicians bill is truly mine now that it not coming from the hospital/provider.
I sent an email AND certified mail, in which they have received both. I don’t want this wait time to hurt my credit even further, somehow. I requested an itemized statement along with my letter to prove my debt but they’re saying the hospital has not been able to get them the statement so it’s some sort of waiting game…
Another this is that I ran 2/3 credit reports to try to see if my account appeared there, I don’t see it. If that normal to not report to the credit bureaus?
I’m confused, what can I do? I’ve reached out to them via phone call to get an update every week at this point.
If it’s not on your credit report, and you haven’t heard anything from them since you disputed, then everything is working as planned. Don’t rock the boat.
But if they contact you without responding to your dispute that may be a violation of law.
What if you receive a debt collector letter but the original creditor is not on your credit report?
That doesn’t matter.
The dispute letter we describe in this video is a response to the letter you get, not anything in your credit report.
Is there any point in contacting you for help or hire if we don't live in Florida?
What state are you in? We might be able to send you to a lawyer in your state.
i got a credit card 6 yrs ago and never payd it and during covid i went to get a test and thought my insurance would cover it but it didnt now both of those went to collections deliquent now im trying to get a car and that is holding m back what do i do
What have you tried?
Hello There, your videos are very helpful. I recently checked my credit report, and there's a collections account reporting on my credit, however the account is fraud how do I dispute the issue? I disputed the account in which it just came back as updated. What steps should I take next?
If you believe that there is a collections account on your credit report that is the result of fraud, the first thing you should do is contact the credit reporting agency (CRA) that is reporting the account and dispute the information with them. The CRA is required by law to investigate your dispute and provide you with the results of their investigation within a certain time frame, usually 30-45 days.
To dispute the information with the CRA, you will need to provide them with any evidence you have that the collections account is fraudulent, such as a police report or statement from the creditor indicating that the account is not valid. You should also include a detailed explanation of why you believe the collections account is fraudulent, and request that the CRA remove the account from your credit report.
Once you have disputed the collections account with the CRA, you should also contact the creditor that is reporting the account and dispute the debt with them. You should provide them with the same evidence and explanation that you provided to the CRA, and request that they remove the account from your credit report.
If the creditor continues to report the collections account to the credit bureaus after you have disputed the debt with them, you may need to take legal action to have the account removed from your credit report. This could involve hiring a lawyer and suing the creditor in court.
Hi. Good evening thank you for this great info. But what if I never signed a responsibility account document or the estimate for the veterinary services they sent me to a lawyer for?
Hopefully you could provide some information as I had received an attorney letter I am not sure if to respond or not.
Thank you in advance.
I'm in Georgia.
If they overcharged you, or misled you in someway, that might be a problem. Whether you “signed“ something or not probably doesn’t matter.
But Georgia law may be different. I’m only license in Florida.
@@RWlawFL Thank you so much for your response. I am still trying to find a consumer protection lawyer in my area, unfortunately I've not succeeded. Do you know of one you could recommend. Thank you.
In Georgia, call Steve Koval: (404) 350-5900 and let him know we sent you.
I'm already paying a debt relief company. Is there anyway I can get out of it?
It might be too late. You need to read your contract very carefully-but it's likely they've done damage that can't be repaired.
Does it have to be signed at all whether print or wet?
Not really.
@@RWlawFL thank you.
Thank you!
You’re welcome!
I have two collection accounts that I had a dispute with but no answer and no validation letter. them, what I do next? Bronx, New York
At this point, it's probably going to be best for you to speak with a debt collection lawyer in New York. There may be a violation there, and there may not.
Can I ask, why not sign the letter?
Because you don't need to.
Question: Can a total (full) amount of debt be sent to multiple parties for collections? I.E. Total balance went to two separate renters' credit reports, thus doubling the total. How is this disputed? Thanks in advance.
If it's the same account, it gets scored as one account, so there's no "doubling" the total.
Watch our Debt Collection Battle Plan video to see what you should do next.
Alpine Credit is trying to collect $900 and took me to court and we are in the medication process. I don't get why $900 is what they're collecting for DOS I have no idea. I don't understand why that provider waited that long to collect. They always told me I was good on my visit back in 2020.
Medical bills can be confusing. Make sure you know what service you're being billed for and whether you actually got that service.
@@RWlawFL I ask Allen Greenberg the attorney who is representing Alpine Credit. That I have no knowledge of the bill. I want all my DOS of exactly what services that I was being billed for in detail. Plus I never consent for the provider to send my business out to collections. How should I handle this, and do you have any attorney that you can help me out with. I live in Denver co
I wish I had someone in Colorado I could send you to, but I don't have one on my list.
@@RWlawFL can you help me fill out rule 316 form 9 for Colorado please. Alpine Credit Inc attorney says he must fill out that form, otherwise they don't have to show me verification for the medical Collections. Thank you
You need a Colorado lawyer ASAP. There is no way I can help you with a Colorado form-and you would NOT want me to.
Is it true that you can dispute a debt by having them send you the original contract. If they can't provide that within 30 days, you can have the debt removed?
How about concating then to pay a less amount (pay to delete).
>Is it true that you can dispute a debt by having them send you the original contract. If they can't provide that within 30 days, you can have the debt removed?
NO. This is an internet myth.
Check out this video to see what really works: ruclips.net/video/zcV35XzVzdA/видео.html
Thank you for the video. I received two statements from the debt collector. The transaction charges are very different from the NEW BALANCE AMOUNT. Do I need tailor the letter different from "provide a detail statement of the amount"
Your wording is fine.
What if I’ve never been contacted. Or received any type of communication. I know about a debt bc it’s on my credit report. It’s been on it. I’ve disputed it and gotten it off in the past bc it’s my exes debt but he won’t pay it so they keep putting it on mine. It’s from a broken lease 5 years ago. I paid my portion to get out of the lease. He didn’t. Anyways they didn’t take my name off the lease so now it’s on my credit report. But no one has ever contacted me about it. I wouldn’t even know who to call about it.
If you’re on the lead, even if you “paid your part” you may still be responsible for the debt. What state are you in?
Great content! What if I have 3 small charged offs? $152, $205 and $300. Their with Discover, Open Sky and TD Target. Can I just pay them off and then dispute the info? I can see the date open, last active and last report are all over the map on all 3 account. I’m short on time I need to get them off within 60 days. Thanks!!!
Paying the accounts won't remove them from your credit report. Check our video about this:
ruclips.net/video/UdM0_Zro8Bk/видео.html
I had an accident in NH, and I had no insurance (legal there). A debt collector called me, but has sent nothing written. I got a suspension notice from NH DMV. They said after a $25 restoration fee "Security required or an agreement signed by both parties indicating the matter has been settled . . ." What does the security required refer to? If NH does not determine fault in accidents, which is what the cop told me, how can they take the collection agency's word?
Because I'm not in NH, and don't know NH law, none of this makes any sense to me.
Hi there, so glad I found your channel!
I spoke to a debt collector about a debt that I do owe. However, it was the wrong amount. I told them this and sent the court ordered document. With the correct amount. They sent a revised letter with a revised amount, but still not the court ordered amount. I assume they added fees, which in Georgia, I read they can't do. Am I able to have this item removed from my credit based on them trying to collect an erroneous amount?
If you sue them for collecting illegal fees, which you probably can do here, they will probably have to remove it from the credit report.
You also have a right to dispute anything on your report that’s inaccurate.
Question? In florida my wife Supposedly had a dept back on the year 1997. With LLC DEPT collector. June fifth two thousand twenty, she went in front of the judge, and they came to an agreement to garnish $50.00 every two weeks from her check. From two 2020 to November 2021 They have been garnishing the wages Just like the judge order period now. Now she had found a new job and started working at her new job. After approximately 12 months or so The same company started garnishing twenty five percent of her paycheck. So her check is approximately $1800 hundred dollars before taxes. After taxes and health insurance and so forth, they take a lot out. And now 25 %, so they're taking out roughly $700 from her check every 2 weeks. What can we do to stop this thank you so much. The only notifications that we received was back in 2020 when we went in front of the judge, and that's it. I believe they broke the law
> they came to an agreement to garnish $50.00 every two weeks from her check.
Oh, no.
> The same company started garnishing twenty five percent of her paycheck.
If they broke their agreement with her, that's a violation of law. Call the office first thing Monday and let's set up a time to talk.
What if I never received any letter from AWS Collections?? Which I have never received any heads up or call from this AWS Collection agency. But they already put this collection account on my Experian Account??
No one Hass to send a letter before reporting a debt to The credit reporting bureaus. They only have to do that if they’re actively trying to collect from you through communications or court action.
What does that mean for the debt validation scenario?
It’s a gray area in the law. There appears to be no requirement that they respond to your dispute, unless you disputed in response to the 1692g notice.
My next question would be, if you really don’t recognize the original creditor as reported on your credit report, and they should be reporting the original creditor, then you may be the victim of identity theft and you could possibly proceed that way.
@@RWlawFL I’m only aware of this collection because it popped up on Experian. It just say AWS Collection. So since Experian is claiming it’s verified, should I send a letter to experian asking how exactly did they verify this collection? Or send a letter directly to AWS Collection directly?
If it's inaccurate, obsolete, or otherwise incomplete, you can either send a follow-up dispute or go directly to suing them for any damages you suffered.
What if your card was stolen and you dnt remember what was the amount was your balance when they used your card
If your card was stolen, you need to report it to the police and to your credit card company right away. Otherwise, you might get stuck with all the charges the thief put on your card.