BEAT DEBT COLLECTORS: How to negotiate the best possible deal in 2025

[@RWlawFL]

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[@charismatic9467]

So id like to do this, but have no idea how to draft up this letter. Is there a template for this or should i go to a lawyer to draft it up. The full amount is 1500 and i can easily pay it in full i just want the stress gone

[@RWlawFL]

There’s no template for this because each situation is unique.

[@Inalienablerights15]

Very good video. Very clear and succinct practical and legal advice. I will watch it several times. ( WIll I be charged double for watching it multiple times?) lol

[@RWlawFL]

Glad you liked it! No charge for repeat views.

[@Ciro-n7o]

👍 lowest amount quickest and cleanest results and confidential settlement would be great, so i can refinance my rental !

[@aneshaelizabeth]

Thank you for this! I’ll be 26 in a month and I finally made the decision that I want to buy a house in 5 years. I started taking my finances more seriously and made a plan to pay down my outstanding debts and clean up my credit. I was out of work for a year and my credit took a big hit. Unfortunately, I was using my credit cards to survive. 😢 I am aware of the decisions that I made and my goal is to hopefully settle with the agreement that it would be removed from my credit report. I plan on taking a day to sit down and talk on the phone with whomever I need in order to get my life back. I feel more confident now that I have a plan! 😊

[@RWlawFL]

If your timeline is five years, you're in good shape. Glad we're able to help you get back on track!

[@collin669]

For collections: Would like to settle for much less since they paid pennies on the dollar and have it deleted from all three credit bureaus

[@RWlawFL]

Check out our Debt Collection Battle Plan video.

[@bunnyyu5585]

Thank you for the useful information. I was served papers at my home and was told to contact the lawyer for LVNV. There is no court date on the paperwork and from your experience. What time frame do they give to pay things off because I’m literally living off cents and dollars weekly I have no job I’m afraid that if I tell them I have no job they will automatically send me into court and I am very ill. I have heart problems my health is deteriorating leaving me home bound . thank you in advance for your response

[@RWlawFL]

You absolutely need to speak with a lawyer. Check for a legal aid organization near you.

[@vincentsmith7050]

Good Afternoon Sir, thank you for all the videos. Its a lot help since I have a collection letters from junk debt buyer. This is the second one and nothing on the credit reports yet. Do I start crafting the settlement letter since I do not want to wait for court hearing. Please recommend debt collection lawyer in Arkansas. Again appreciate all that you do.

[@RWlawFL]

We don’t have a specific recommendation for Arkansas lawyers, but you should be able to find several options just by searching for a “debt defense“ lawyer or FDCPA lawyer near your town. If you want to send a settlement letter now, I don’t see any problem with that.

[@draymundoduransandoval4316]

Thankyou god bless you sir I might look into that today!

[@RWlawFL]

Good luck to you!

[@TaraUdelhoven]

First off the video is very informative and much appreciated! I have a couple questions though. I acquired a $6200 debt from some apartments at the end of 2020 ( collection co filed may of 2021) which of course was a tough financial year for most so are there any "leniencies" given for debt from 2020? Also what is a reasonable offer percentage wise as far as getting it paid and removed from my credit? Thank you so much in advance for any response!

[@RWlawFL]

Watch our debt collection battle plan video. Getting leverage will be key to a favorable resolution.

[@madalinapodaru362]

Very useful information that actually makes sense. I have a hard time trusting “1 size fits all” videos and info out there by dozens of videos about removing debt/dispute letter to debt collector. So thank you Mike Wasylik for these videos ! 🙏🏻 I have a letter from debt collection from a closed account (PayPal account) that shows as “ sold to/ charged off” on my credit report under closed acct. The debt collector claims whole amount (2,700$), but understanding how this works, I am guessing they n’ouït his debt for pennies/$ . I have a few days to respond (based on 30 days ) should I dispute or attempt to negotiate to delete?

[@RWlawFL]

I'm glad you're finding these helpful. Generally, we suggest starting with a dispute. That allows you to gather some basic information, and see if the debt collector has been breaking the law. If so, they might even owe you money instead of the other way around (especially for a debt of that size). We've done a our series of posts on this strategy. Check it out: twitter.com/MikeWas/status/1631278219943976961

[@Tyndalic]

What if the banks collector wants me to write my account number on the money order? I had a bank issue credit card go into default.

[@RWlawFL]

You mean the number for the debt collector's account? I don't see any problem with that.

[@lanyj4501]

Original creditor was being paid a nice sum of money each month and I had a small past-due balance (120.00) left on a credit card for the month of October. The balance on the CC, was about $4,000.00. Apparently, within the timeframe of making payments in October to just making a payment on Friday. (missed one month-november), the creditor recently charged off and closed the account (didn't realize it until I called a day ago). I think the best plan of action here is to send a debt settlement letter that includes a lower balance and a pay for delete?

[@RWlawFL]

It's worth a shot.

[@iamjacksundyingaddiction6595]

@@RWlawFL Hi, do pay for deletes always show as a charge off? Thanks

[@RWlawFL]

If they're deleted, they don't show at all-that's the whole point.

[@brettsmith5311]

Hey there! I’m looking to finance a vehicle soon but I have a collection on my credit, I have the money and want to pay it off, but all the reviews of the company say they sometimes take peoples payment and never close the account? What’s the safest way to proceed paying this debt in a verifiable way

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@LoneAlphaWolf555]

thank you...i have a bunch of credit card debt, i cannot get out from under and the minimum payments have become too much for me to bear. I work a fulltime job and a part time job. the part time job is not even paying the minimum payments anymore. i have not missed any payments. can i settle this debt without missing payments or do i have to miss payments first?

[@RWlawFL]

Most creditors won't negotiate with you until you miss payments-but we generally don't recommend that. Is there any way you can move your balances to a lower-interest loan or loans to make the payments more manageable?

[@jbenz1990]

I Have 3 medical bills from the same company. 1 is already showing in collections and brought my credit score down from 800 to 700. the other 2 are going to be reported soon and they’re huge from a company called PMS. $8k and 5k. These people refused to settle and said I have to pay the full amount.I’m trying to buy a house and I don’t want my credit to go down any further should I just set up a payment plan for all 3 bills to prevent them from reporting the 2 big bills or just do a payment plan for the 2 bills that have yet to be reported and worry about the other one that was reported later since it was already reported?

[@RWlawFL]

Check out our newest video.

[@charismatic9467]

Do I send the settlement to the company lvnv or the attorney representing them on the lawsuit?

[@RWlawFL]

If you've been sued, you need a lawyer in your corner ASAP.

[@espnocho7904]

how do you get to a mediation for negotiating a settlement for a debt lawsuit pretrial conference in florida. by agreeing or disputing the debt. It’s the original creditor.

[@RWlawFL]

In small claims court, they will give you mediation almost right away, but you've got to deny the claim first.

[@jamesburgess731]

So I'm looking to make a deal to pay a debt. Unfortunately, I never knew it went to court... but it is what it is. My question: Debt was to credit one, sued by LVNV, pursued by Alltran (whom I wrote and was like "who the eff are you guys" rebuttal, and get a response from resurgent. Who do I even talk to or deal with? Because it's just crazy.

[@RWlawFL]

Whoever has the judgment against you, is who you’ll need to deal with.

[@josephineb6790]

​@ricardowasylikpl7430 I have a letter from the court from the same LVNV people. What do I need to do, please ?

[@RWlawFL]

If you're getting court papers, you've been sued and you need to speak to a lawyer in your state, ASAP.

[@jaydissbattles3438]

Hey ! Great video, I did have a question. I have a debt that is trying to be collected I said I wanted to dispute it and then agency sent in a letter with my bank statements. I acknowledge that this is my debt, I also know in your other video you said that this was all they needed to verify but I was wondering if I should still dispute it or not? I just don't want this affecting my credit in the future, when I asked if they would be willing to take it off my credit report if I paid it they said they don't have the power to do so.

[@RWlawFL]

You've already disputed it. What are you trying to do?

[@dieselwrench3621]

I had a vehicle reposed year’s ago and now my paycheck is being garnished. I called the collector which appears to be a law office, I made an offer to pay the debt, but they said it must be the full amount of the debt and will not go and lower. Is there anything that can be done? Thank you.

[@RWlawFL]

If you'r wages are being garnished, that means they've already gotten a judgment against you (at least in Florida) and that means you've already lost. Garnishment laws vary from state to state so you'd need an expert in your state to figure out your next steps.

[@dieselwrench3621]

@@RWlawFL Thank you very much for the info 👍

[@RWlawFL]

You’re welcome and good luck!

[@danielrichard1857]

Great Video!! Do you work with out of state Clients or have any recommendations? I’m in Texas

[@RWlawFL]

In Texas, you'll want to call Bill Clanton or Daniel Ciment.

[@SmartBrainPower]

Goal: Lowest amount, quick, clean. They going after me for medical co pays that were never paid, and I contacted them about a month ago asking for debt validation they say they need an email and I did not give my email told them to mail it. Then all of a sudden send me something pay this next couple of years.

[@RWlawFL]

If they didn't mail you the validation, but instead mailed you a demand for payment, they have already broken the law. Check out this video about how to settle cases like that: kzbin.info/www/bejne/gXilqZ-tgL9miNE

[@CatherineAndersen-l9q]

Have debt collector pinnacle who expects me to pay off an old debt and they refuse to negotiate a settlement with me and the debt is 10 years old now my credit union wants to write a cashiers check for it but am trying to get loc paid off what must I do

[@RWlawFL]

They don't "expect" anything but they're applying pressure. If it's a ten-year-old debt, how are they enforcing it? If they already have a judgment, you're going to end up getting garnished or levied in most states.

[@iroonis7389]

Sent a verification letter but carelessly did not include for them to provide the amount so they didn't include it. (The amount is in their initial contact letter & matches the original creditor.) Should I still ask for the amount or can I start negotiations since all the other nescessary information was provided in their response to the verification letter?

[@RWlawFL]

See how they respond to the first letter.

[@opentoreason1975]

Any lawyer recommendations in Texas to help with Midland collection agency?

[@RWlawFL]

Anywhere in Texas, call Bill Clanton. We interviewed him here: kzbin.info/www/bejne/raHSaKWrrNpsq5o

[@amandawoods2437]

I emailed Bill Clanton because I'm in Texas and he was on another video of yours speaking about Portfolio Recovery, however he did not email me back. I just have a question... So, they are suing me for an old debt, which was originally from two prior collections... However, the amount is wrong on my credit report. They are saying I made a payment of like 41 dollars and I never did. I just am wondering what you think about this? I was thinking about making them an offer I just want it off of my credit report and I can't afford very much but it seems odd that they say I made a payment and never did.

[@RWlawFL]

If you're being sued in Texas, keep trying to reach Bill. He'll give you better advice than we can.

[@dimuzioservices6107]

How do you find out the information you are talking about on a debit collector?

[@RWlawFL]

Either from documents they’ve given you, research into publicly available information, or through documents you obtain in court.

[@JC-qw5vs]

Hello, I have one 3 year old debt collection with ERC (originally from att) (in FL) showing on Experian only. Any tips on how to deal with ERC?. Thanks

[@RWlawFL]

If your goal is to get it removed from your credit report, you can dispute any part of it it’s inaccurate, obsolete, unverifiable, or incomplete. Your other option for a debt that size is usually to offer the collector a “pay for delete option, which means you pay the debt (usually in fall) and they agree to delete your negative trade line. Some debt collectors will do this, some won’t. If they don’t, don’t give them any money. Check out our other video on how to settle with debt collectors for the nuts and bolts of how this works.

[@jae.c.r]

How do I find out info about a third party debt collector?

[@RWlawFL]

If you know their name, Google will be the best start for your search. Also look in CFPB complaint databases, court records, and BBB complaints. Some states require debt collectors to be licensed, so you can look that up also.

[@georgiekerrigan9996]

If I have a small debt $200-$400 is it better to just work out a pay for delete or is disputing it for $0 to the creditor better. The debt is mine and is accurate.

[@RWlawFL]

It depends on your goals, timeline, and personal financial needs.

[@ragnardanneskjold4408]

If debt collector is currently trying to validate a debt and the debt will likely get validated, and you proactively send a collector an offer letter and a physical check via certified mail with the amount you want to settle with and write in the check's memo section "reference/account# + paid in full" and they cash it -- does that count as proof of settlement? Would you recommend or not recommend ?

[@RWlawFL]

> proactively send a collector an offer letter and a physical check I would never do this without first getting a written settlement agreement. Giving your banking information to a debt collector is not a good idea.

[@sterlingsilver8378]

Is it a violation of any sort of law if an apartment complex says they'll get back to you when you ask for the amount owed to be forgiven, they don't get back to you, and then they send you to collections?

[@RWlawFL]

Every state has different laws about landlord/tenant relations, so you'll want to check with a tenant-side lawyer in your area.

[@timothydelory46]

Thanks!

[@RWlawFL]

You’re welcome!

[@acetreyner2906]

If my medical bills have already gone to collections. Is it too late to go to the hospital directly to try and settle or negotiate a lower balance?

[@RWlawFL]

Try it and see what happens. The worst they can say is no.

[@Inalienablerights15]

I tried it once, on my mothers debt. I bought the 2 girls in the hospital office pizza. Cost me $34. They then found a way to charge the bill to Medicare. They simply looked again, and found out how it should have been coded in the first place. A spoonful of sugar, right?

[@RWlawFL]

Sometimes a spoonful of sugar is the best medicine.

[@jianearchibald9666]

Do you have an Atty. you recommend for the state of TX?

[@RWlawFL]

Yes. Did you see my video with Bill Clanton?

[@TheOirishhhAmerican]

Would it be fair to say that getting a negotiated settlement in writing to target 10 to 25 cents on the dollar? Say you owe $1198 on a now in collections bill and that rate at 25 cents per dollar would be $299.50?

[@RWlawFL]

If that's your goal, nothing stops you from asking for that.

[@EzequielHernandez-d7z]

i have a debt collection from a medical bill. I noticed at one point the collection disappeared, as in deleted. My credit improved but a few weeks later the same collection returned thus affecting my credit again. Is there any way i can use this information in the negotiation? I have no previous contact with the debt collection agency. TIA

[@RWlawFL]

Where a debt appears on your report has little to no bearing on its validity. Check out our Debt Collection Battle Plan video to get an idea of your next steps.

[@meagon177]

Hello My debt was sent to collections after I had been paying my medical debt monthly… it was minimum. I want to negotiate due to my credit being excellent. How do I go about this? Do I still need to send a validation letter, since the amount is wrong on their end that they are ring I collect? I will like to negotiate lower and make sure it doesn’t effect my credit. Thank you for assistance

[@RWlawFL]

In Texas, call Bill Clanton or Daniel Ciment. Those lawyers can help you figure out what to do.

[@BonJovi935]

Question: I contacted my original creditor, discuss about the settlement, they agreed to reduce the bal from $1002 to $500 about 50% but when I asked for "Pay to delete" the Original creditor credit card bank said: we are not allowed to delete but If you agreed to the settlement of $500 and paid it, we will report as "Paid as agreed, settlement less than full amount, balance 0" what should I do?, should I go ahead to pay it to settle at 50% but if they do not agree to delete, it will still show up on my credit reports. Please help me with advice thank you very much.

[@RWlawFL]

“I’m not allowed to pay unless you delete.” They’re lying to you and if they want their money, they’ll agree to delete. If they don’t, you have zero incentive to pay.

[@jaybae7315]

That was my problem. So the debt has not been paid and I still have the debt on my credit report.

[@RWlawFL]

Yes, they are lying to you.

[@RWlawFL]

You do have a right to send disputes to credit bureaus for any inaccurate information.

[@RWlawFL]

If they put inaccurate information back on your credit report after a dispute, that opens them up to getting sued under the Fair Credit Reporting Act. A lot of lawyers make a good living suing CRAs for violations like that.

[@42DizzleLive]

I’m here in Florida , I see a debt collection on my credit report. I email them asking to verify debt, they said they have reached out to the original debtor to obtain that information and will get back to me with the validation however they did send me some letter via email that had an account number my name and the company I allegedly owed . I asked for signatures with original amount that was owed and more . However the rep asked me if I had been contacted by another company & I asked her why ? She says because they are collecting on our behalf. Something doesn’t feel rite about this . Any advice ?

[@RWlawFL]

Check out our Debt Collection Battle Plan video.

[@mrawesomeguys1]

I received a $100 collection from my previous apartment complex for a 'cleaning fee'. Collections hasn't been reported on ANY of my credit reports. Should I fight the debt or just pay and forget about it?

[@RWlawFL]

If you have a dispute with your old landlord, the only way to solve that is to speak with a landlord/tenant lawyer in your state. Federal debt-collection law won't help you much.

[@mrawesomeguys1]

@@RWlawFL thanks for the reply. I got the new debt letter from a debt collection agency so that’s why I was wondering. If I pay the debt immediately via money order, does that limit the possibly of the agency reporting to the credit bureaus ?

[@RWlawFL]

Maybe. It depends on the debt collector. Your state law may ban surprise fees like you're describing, so it may be worth your time to do a little research first.

[@HollyMusic72]

So i made a payment to the collection agency, last week cause i thought it was through the hospital that i owe. But i called the hospital to make payment arrangements and they told me that they cant except any payments because the collection agency owns my debt now. I told her i didn't have a problem paying them but i don't have a signed contract with them. So since i paid them once, does that mean i now have a contract with the collection agency? Not sure how to proceed. I looked at the mail coming tomorrow on usps site and it shows a letter from court house from that hospital. How do i proceed when it arrives?

[@RWlawFL]

In Ohio, call lawyer Marc Dann.

[@biglinx]

Hello Sir what if im in arizona but collection agency has florida address how do I move forward with large medical debt I want to resolve. Thank you for your time. L

[@RWlawFL]

Check out our Debt Collection Battle Plan video.

[@morgyBear711]

I was using Lexington law for a long time and one of my debtors offered me an opportunity to work with the company to get back on track and I tried to get some advice from Lexington (my so called attorney but he said he was unable to advise me. I paid them $140 a month! My credit is still screwedup and I can't even get a consultation? This is the story

[@RWlawFL]

We hear a lot of similar stories with Lexington and have never recommended them.

[@jdmcfunnigans5711]

So should I contact them on the phone or just send a letter?

[@RWlawFL]

Never talk to a debt collector on the phone if you can help it.

[@longboom25]

My goals are to settle an 8500 balance with discover. For the lowest amount possible. The first phone call they offered to settle for 5 k right off the bat. I told them I would get back to them it has been a week. What is my next move ? Sending a letter does not work with discover ! It all has to be done by phone ..thanks

[@RWlawFL]

Of course a letter works. The reason they're trying to keep you on the phone is because it puts you at a huge disadvantage. Demand settlement in writing and refuse to do it any other way. Anything else, you're just begging to get tricked, trapped, or lied to.

[@Inalienablerights15]

@@RWlawFL That is solid gold advice.

[@RWlawFL]

Thank you!

[@shawnh6669]

Do you work with clients in Connecticut, or have any recommendations?

[@RWlawFL]

Not at this point we don’t. I wish we did.

[@jackie1290]

Question: So for my situation yhe amount is very small. (Just over 100 dollars). The letter is worded that the collection agency has been retained by the orginal owner of debt. I should still be able to negotiate for a settlement and removal from my report? Thank you in advance!!

[@RWlawFL]

It's worth a shot. Don't give them a dime unless they first give you a written agreement to delete the negative credit reporting.

[@kathrynowens3324]

I couldn't find videos on settling with payday loans...700% interest types. Have you addressed this?

[@RWlawFL]

Our videos are mostly about second party, debt, collectors, where payday lenders usually are first party (original creditor). There are a lot legal issues that come up with these payday lenders, and they very widely from state to state. so if I were to do videos about those, they would be limited to Florida only.

[@kiya846]

I have a 13k debt that I recently got a settlement letter from the debt collector, I really want to negotiate on paying 25 percent, they have offered 50 but I also want to get this deleted. What’s a good number to negotiate starting with even though they have offered 59 percent? Do you have any negotiating letter templates?

[@RWlawFL]

The starting point matters a lot less than your final, bottom line endpoint. As far as templates, or how you should negotiate, we are planning on rolling out a series on that, or possibly even a full intensive course on how to negotiate with debt collectors.

[@carltonrandolph7167]

I got a question. I got a letter in the mail for a medical debt...they said i have 30 days to respond feb 4th is the last day to respond..i recieved letter i think on jan 7 i responded back with debt validation letter i sent letter off jan 29th certified mailing...they recieved feb 5th after the "due date feb 4th" they still end up putting the debt on all 3 of my reports....then reieved 2nd letter from them talking about a different account....not the one i disputed not the one they put on my credit didnt they violate my rights? And how do i go about responding ? Please help

[@RWlawFL]

There might be a violation here. If you're in Florida, we can probably help. Contact us here: ricardolaw.com/contact/

[@naia-gl2nf]

How can you tell if they are acting as an agent for the original creditor or someone who bought the debt? On the summons it says capitol one, but when I look them up, its a attorney but also a debt collection company. Im so confused

[@RWlawFL]

If you've gotten a summons, talk to a lawyer right away. They can figure out who's who and all the other important information you need.

[@lfuentes4098]

Is a paid for deletion basically wiping the debt off your credit report? And is it best to deal with the debt collector and not the credit card company it self? I have tried getting arrangements with the original credit company but they say I don’t make enough to qualify.

[@RWlawFL]

A deletion does wipe it off. Who should you deal with? Depends on who's willing to deal with you and what deal they're willing and able to make.

[@lfuentes4098]

@@RWlawFLthanks. Is it pretty much guaranteed that the creditor will issue a1099-c if you settle a debt for less?

[@RWlawFL]

Over a certain threshold, yes-about $600 if I recall correctly.

[@anet93]

I got a letter from a debt collector offering half off my debt payment and to delete from credit report. Is that letter good enough to fall back on if they don’t delete from report?

[@RWlawFL]

If they make that promise in writing and don’t follow through, that would be an FDCPA violation.

[@slickvicfrmdaville1605]

This video shared very helpful information. Do you have any affordable legal persons I can contact near Nashville,TN ??

[@RWlawFL]

John Watts can take Tennessee cases. His KZbin channel is here: kzbin.info/door/8lJUn1SSJhcjf-wk5y58KA

[@somyachaturvedi6975]

I have 3 debts #1 CA$ 654 #2 CA$ 2200 #3 CA$ 1400 for debt #3 they are offering me to pay $957 though I left Canada 3 years back & I intend to pay it all off..they won’t go below $957..how do I negotiate??

[@RWlawFL]

I'm not even going to hazard a guess at how a Canadian debt should be handled since none of our US law would apply there.

[@jonathanbryant7410]

I think your hired!

[@RWlawFL]

Great!

[@KingRevvi]

Goal: pay as little as possible. The company that sent me to collections screwed up my medical insurance BAD, then refused to fix it. They sent me to collections before I got a decision back on my insurance appeal. I’m open to any suggestions for dealing with medical debt collectors specifically…

[@RWlawFL]

Start from the premise that they are just debt collectors, and that they still have to obey all those rules. While you have some additional protections for medical debt-for example, the right to get ALL your billing and treatment records from the care provider-medical debt collection is still just debt collection. Check out our Debt Collection Battle Plan video and start there.

[@KingRevvi]

@@RWlawFL thanks for that! As an update - I requested debt validation from the collectors. Several days later, the original company called me back and decided to eat the loss. I would have negotiated with them to pay like 20% or something but I guess after 6 months they just wanted this case done and gone. Phew.

[@RWlawFL]

Glad the debt validation worked!

[@fxzer01]

The “person” contacting me about the debt (been verified) is a law firm, there is an added 300 dollars in “attorney fees”. Any suggestions on getting those fees waived, they seem kind of scammy to me

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@ashlandanimaland1430]

So what if it is a long term payment plan?. Why couldn't you have a special checking account where those payments are made .an account not associated with your primary account. And if they try to take more than agreed upon in the arrangement then just inform the bank to not honor it. I have such an account where I'm given 24 hour notice of all transactions. I have 24 hours to select pay or return with no fees or ever any overdraft fees. My main account is where my SSA benefits are deposited and federally protected.

[@RWlawFL]

If you're on SSA, why would you voluntarily pay them a penny? Read the find print in those "payment plans" - they're all traps.

[@NorAnon]

A third party reached out this week about a debt, my bf had in 2007, in Massachusetts. It was a Bank of America debt for $635. The woman said that BOA closed the account in 2012, due to inactivity, but the account was delinquent. The woman admitted that BOA last tried to contact him in 2012. Now, 10 years later, they want $1058! She was eager to make a settlement of the $635. My bf said to send the information and he would get back to her. The email she sent has 2 offers: a 1 time payment of $1058, or 6 payments of $176! Neither works for us. I’m confused at what to do. We live in Maine, the third party company is in California, and the debt was in Massachusetts, which has a 6 year statute of limitations. Any advice? 🙏🏻💕

[@RWlawFL]

This could be incredibly good news for you. Often, when a debt collector tries to collect a debt past the time limit, you have a right to sue them, and put money in your pocket. In other words, you can turn this on Pleasanton stressful experience into profit. You probably want to talk to a lawyer in your state who handles FDCPA cases.

[@NorAnon]

@@RWlawFL Interestingly, I emailed them back asking for: the original Bank of America contract, signed by Kevin, account statement from the BOA account, debt validation letter with the dates of the account (because there were no dates on the ‘negotiation’ and a document of proof of transfer from BOA to AF Solutions. The email came back as ‘undelivered, because their email box is full right now’. Are you serious?! So Kevin called the woman he spoke to, and got a receptionist, who wouldn’t give him the email “because her box is full”, but she could take a message…. I am documenting all of this. I almost think it’s a scam! No dates of the debt on the ‘settlement offer’? No email? There is no way to contact them in writing, as of this point. The letterhead is a Martin, Miller and Associates out of Ontario, California, and I can’t even find that online with the same address and phone number. sketchy shit, man. Love your videos.🙏🏻💕

[@RWlawFL]

How is a Canada law firm reaching out to you? This must be a scam.

[@NorAnon]

@@RWlawFL It says Ontario, California (shrug)

[@RWlawFL]

Very bizarre.

[@philbanks4963]

I’m late replying back to video but this is really good information… I want to write a letter to have a payday loan that is not mine, removed off my credit report. They already sent a validation of debt and none of it has my signature and the address and phone number on the paperwork is not mine… however I’m not sure how to respond back to it.

[@RWlawFL]

If it's not your loan, they don't have a right to report it on your credit report. Dispute directly with the bureaus and let them know it's a case of mistaken identity.

[@Rock4UNow]

I had a law firm for LVNV leave a citation on my door and I have 14 days to submit a response, is it ok to submit a response with an offer? Thank you

[@RWlawFL]

If you’ve got lawyers on the other side I’d level the playing field by getting a lawyer of my own. Are you in Florida?

[@Rock4UNow]

@@RWlawFL No since my comment I submitted a response, Thanks to your videos. You are doing a great thing on here. Thanks again.

[@RWlawFL]

Great! You're welcome!

[@Tduutchees]

I have 4 medical debts 1. $1406 2. 754/374(same company just popped up on my credit original date of debt is 2016 showing on my credit as 2022) 3. 952 4. 952. I have offered what I can afford and they all refuse and are extremely rude.

[@RWlawFL]

First, watch this video about phone calls from debt collectors: kzbin.info/www/bejne/sJCnooSem7aje6c

[@Inalienablerights15]

Have they seen what we see, with the cute ears and all? They are not taking you seriously, based on the picture that appears next to your name. You may need to ask for help from a lawyer with long sharp teeth and a serious attitude. Did you tell them what your income was? I am no attorney, but I would NEVER tell them that. There are free attornies who will be glad to help you, also Federal and State help agencies as well. Take your time, don't panic, and do NOT offer them more than what you initially did.

[@RWlawFL]

Definitely don't give up information on the phone.

[@crumbocrumbo887]

Do you work with clients in Ohio?

[@RWlawFL]

We aren't licensed in Ohio, so we can't.

[@owaiskhanafridi1149]

A debt collection company is calling me to collect a debt on behalf of an insurance company. Unfortunately, I was uninsured during the time of accident. They have contact me after almost a year of the accident. I am not sure is that even valid? if yes, then how should I negotiate. The amount they're asking is around $10K.

[@RWlawFL]

Watch our Debt Collection Battle Plan video to see what you should do next.

[@RWlawFL]

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 📞 On your mobile phone? Click to call: ricardolaw.com/call/ ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ What video should you watch next? This one: kzbin.info/www/bejne/sJCnooSem7aje6c ("Never do this with a debt collector!") ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

[@nettiepearl8365]

I have a collection! I tried to pull this service on hold, selling house to many realtors coming to to keep paying for a service that is not useable! Sensors kept falling off! Now they sent me T collections! I have perfect credit!

[@RWlawFL]

If a company has sold you a service or product, and didn’t deliver what they promised, then you might have other legal remedies. If this is for professional purposes, consumer law won’t be able to help you, but a good lawyer, Ken. Because it’s affecting your personal credit, I’d say it’s extremely urgent that you figure out how to take care of this company, and challenge them for their faulty products and services. Almost every realtor has an attorney on speed dial. I hope you’re able to use yours to at least get some starting information.

[@charlieanonymous2637]

I have a credit card debt of $7700. I’m paying it via bill payment on my bank. I don’t make much but I’m being aggressive with the payments to knock it down. The debt collection agency keeps threatening to take further action if I don’t take another loan out to cover this debt. Not sure what to do. Any advice? Ps: trying my best to pay it off, no excuse to slip up a massive credit card debt.

[@RWlawFL]

If you are making payments pursuant to some kind of deal, you’ve made, and they are threatening you in order to change the deal, that’s probably a debt collection violation.

[@kaelashannon986]

I just got a lawsuit from a debt collector In the amount of $2200. I just sent my response letter today by certified mail with receipt. Is it too late to negotiate a settlement? And if the settlement is contingent on them dropping the lawsuit do I pay after I know the lawsuit has been dropped?

[@RWlawFL]

If you've been sued, drop everything and contact a lawyer right away. We see lots of lawsuits that violate federal law, and without a lawyer, you're going to miss out on all those possible strategies to get a total victory over your debt collector.

[@kaelashannon986]

@ricardowasylikpl7430 right now it's a summons from portfolio recovery. I just sent my reply by certified mail with receipt before the 20 days is up. I talked to a lawyer but he said he can't really help me unless they do something wrong.

[@RWlawFL]

Talk to another lawyer. We handle PRA lawsuits all the time-sounds like this lawyer doesn't do that.

[@samrowbotham8914]

I ask to see the contract between myself and their company. There is not one and that ends the matter as they move on to their next victim.

[@RWlawFL]

Sounds fun but not profitable.

[@FinancialMaintenance]

Any recommendations or resources to find a lawyer in Wisconsin for fcra violations?

[@RWlawFL]

Try Zeshan Usman at www.usmanlaw.com

[@FinancialMaintenance]

@@RWlawFL thank you. I will call them in the morning.

[@need4speed162]

Any recommendations in the state of Louisiana?

[@RWlawFL]

We don’t have any Louisiana recommendations yet.

[@RWlawFL]

Let me know if they’re amazing so we can make sure to recommend them in the future.

[@crumbocrumbo887]

Need pay for deletions

[@RWlawFL]

That's one very good way to handle this.

[@crumbocrumbo887]

I'm trying to accomplish every goal you mentioned in a confidential pay for deletion fashion

[@RWlawFL]

Good luck!

[@dakotalewellen7]

I’m 25 and I have no idea what I’m doing with trying to settle my debt. I want to try to get the lows amount and get it off my credit. The last time I talked to the debt collectors they won’t give me any in writing.

[@RWlawFL]

Many won’t give anything in writing. That’s fine-then they don’t get any money. Check out our Debt Collection Battle Plan video.

[@gerardesca3018]

Great information! goal is to beat portfolio recovery assoc. I offered not to sue for harassing phone calls,misinformation on account, no process server,and not showing requested purchase and a few other things, if they delete account. Also can a debt buyer assess you for non- charged-off interest from original creditor?

[@RWlawFL]

If you have legitimate ground pursuit, then the best deal you can possibly make us one where they pay you. But to do that, you’ve got to be prepared to actually sue. What’s stopping you from going straight to a lawsuit? Regarding interest, it’s going to depend on the situation, but most of them do not.

[@outerlimitz67]

What if its Gurstel Law Firm????

[@RWlawFL]

Depends on what they’re doing to you.

[@anaitullahazizi3123]

MY goal is to get the lowest payment possible and not to ding my credit. Please adivse.

[@RWlawFL]

Their goal is to make you pay the highest amount possible and to report on your credit if they need to. In the face of these conflicting goals, you need to follow the steps I've outlined in the video. Pick a specific dollar amount that is your upper limit, and work backwards from there.

[@ShoNuff3K]

$12,000 in debt. Credit cards, a personal loan and medical bills. I'm trying to pay it all with $10,000. 10 separate creditors. I want to shoot for paying 75% on each bill.

[@RWlawFL]

Good luck!

[@TheBebe2006]

How much you charge? But I am on Washington Seattle though

[@RWlawFL]

Unfortunately, we don't have any lawyers who can handle cases in Washington state.

[@ashaasharafan]

Hi, I’m trying to settle a best but the collection company refuses to send over a settlement form until after the payments which I know is not ideal for me to make sure it gets removed from my account. Any advice ?. I would really apply it !

[@RWlawFL]

That sounds like dirty pool to me. Once you give up money you give up your leverage. Are you in Florida? If so, we may be able to sue them on your behalf.

[@TheresaWebster-rz5ny]

Yea i got on from year 2019 and the place isnt even in the town. Scammer beware Its my 3 one now

[@RWlawFL]

Don't get scammed!

[@angeldavis1821]

I have 3 collections, #1-$120, #2-$233, #3-$1000, they are fairly small amounts so I just want to know the best way to get these off of my reports. Since they are so small is there an easy way to get them removed without all of the steps of writing certified letters and so on?

[@RWlawFL]

If writing letters is too much trouble, you can probably just pay them off.

[@UsernameUnkwn21]

Yeah for real if you are not willing to be "bothered to write a letter" then u don't deserve to have your debt written off

[@RWlawFL]

I know, right?

[@Inalienablerights15]

Document every payment, at least. Watch this video again, and do what the man says. Isn't $1,353 dollars worth the extra trouble?

[@RWlawFL]

Good advice!

[@TheresaWebster-rz5ny]

I dont know if the are real i got 2 robo collection agency. And got text last week again fake . Its like 3 now so be careful .

[@RWlawFL]

The fakes, you can just delete.

[@luistobar7]

What percentage out of my debt would your recommend to negotiate? A few years ago I received a loan , but then I couldn’t pay it back . Now a collection company keeps on texting me about it . The debt was for $1500 but now they are showing it as $1900. Ideally I want to pay off all at once the $1500 , but I hear people advising me to reduce it to $1000 since they probably bought my debt for less than that. The main goal is to pay off the original amount and get the report removed .

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@AP_Sim]

I have a 16k collections from credit card charge off. It's not on my report. They sent me a letter back in January. I have heard anything from them at all and it's not on my report. I'm trying to get enough cash to have a bargain tool of like 5k. What should I do. I'm trying to take care of it but don't know what I should do first.

[@RWlawFL]

This video lays out five steps to follow. Do them in that order.

[@Tamara_sb]

With no assets no owned collateral no nothing idk what debt yur talkn

[@RWlawFL]

If your long-term plan is to never own assets, never have collateral, and never have any money to your name, then yeah, there's nothing they can take from you.

[@Fishseaofcortez]

What a novel idea. Run up debt and then negotiate how much you want to pay back......then do it all over again.

[@RWlawFL]

No, the idea is to make the debt collectors pay when they break the law, so it stops the cycle. You're in favor of law and order, right?

[@Ericrr79]

My goal is to get my credit score as high as possible. I owe Oliver Adjustment Company $126. I don’t mind paying the whole balance, what is the best way to go about this?

[@RWlawFL]

If you want it off your report, you have two options: First, you can identify any in accuracies or other mistakes they’ve made in the reporting, and dispute those with hope they’ll remove it. Second, you can negotiate directly with the collector for a “pay for delete“. Get it in writing, and don’t give any financial information or pay any money until they give you a written agreement for the pay for delete.

[@Ericrr79]

@@RWlawFL thanks, yea I alredy disputed it and they said everything was accurate. I will do the pay for delete. Thanks

[@RWlawFL]

Good luck!

[@candiehaberman5349]

Wow I've made every mistake in your book.....

[@RWlawFL]

Sorry to hear that, but at least you'll know what not to do next time.