DON'T EVER PAY COLLECTIONS (AND WHEN YOU SHOULD!)

In today's video, I'll explain why you should not pay collections, and when you should. All my recommendations 👉🏾 bit.ly/naamwynn
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In fact, I have seen this play over and over again. Too many people are paying collections accounts will do are not required to. Don't let debt collection agencies harassing you on debt that they have no right to collect.
With that said, here's what you learn in today's video.
First, I'll go over what are charge offs and collection accounts, and what they mean to you. I will next cover what debt collections can and cannot do. It's very important to know your rights.
Next, I will share with you exactly what do you need to do when receiving debt collectors. You have to be very careful about how to handle them. One mistake can ruin your chances to successfully dispute this collection account. Before verifying the debt is your make sure you know the statute of limitations in your state. Legally, after a period of time debt cannot be collected.
Lastly, I will share with you tactics on how to deal with collectors and get negative marks from your credit report.
Enjoy!
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👇 👇 Watch My Other Credit Card Videos Here 👇 👇
How To REMOVE Hard Inquiries From Credit Report For FREE!
• How To REMOVE Hard Inq...
How To Remove Late Payments From Credit Report Like A PRO!
• How To Remove Late Pay...
4 Ways to Increase Your Credit Limit (2020)
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#creditrepair #collections #credit
DISCLAIMER:
This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support! This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author makes no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video.

[@NaamWynn]

❤️ If you find my content helpful, become a channel member, and SUBSCRIBE! 😎 - bit.ly/332QAtI 👇 👇 Watch My Other Credit Card Videos Here 👇 👇 How To REMOVE Hard Inquiries From Credit Report For FREE! kzbin.info/www/bejne/p5KXXqKYgL6Efbc How To Remove Late Payments From Credit Report Like A PRO! kzbin.info/www/bejne/bqObp36FetiDedk 4 Ways to Increase Your Credit Limit (2020) kzbin.info/www/bejne/m4S6mYuai9RsbpI

[@jessicajenkins8753]

Hello Naam, how can I contact you directly? I went through comments looking for your information... Thank you❤

[@NaamWynn]

@@jessicajenkins8753 You can go to my about page here on TY, or my credit repair website in the description.

[@bigvalley4987]

Hello, How would I get a debt satisfied and be remove from the TOP program. Please discuss this collection program.

[@LWWM]

What about zombie debt?

[@mrs.z4370]

@@NaamWynn does this letter need to be sent through regular mail, or can it be email?

[@nermingultekin9519]

I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in This name below and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@Coinanaliz1]

Wealth is not just about finance, but health and wellness is critical especially in our black community! No need to have stuff and money if you don't have your good health? Rick Ross finally understands this truth now! What does it profit a man/woman to gain the whole world if you don't have optimum health to enjoy it all! Let change the mindset about the diet & wealth in the black community so we can all go up together! Above all things... I wish that you be in good health and prosper even as your soul prospers! God bless you brothers! and remember to use This name below for your bad credit and negative credit marks and inquiries removal

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@cs5952]

Credit isn’t black or white

[@ciphered2000]

"They cannot contact you between 8 am and 9 pm." is incorrect. They can only contact you during these hours, but not outside of them.

[@chukob5]

I didn’t pay them so they’ve take all my impact payments

[@xmissknowitallx7627]

They can’t contact you at all if you ask them not to, also if you ask them to contact you with only written correspondences they have to do that too. If they don’t you can actually get the debt erased because they aren’t following rules. There are a few exceptions though. You just have to communicate these things with them.

[@herseyvar3003]

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@Lady-Carmakazi]

I wrote you earlier but it didn't post so trying again. Look into first time home buyer money you can get into a home dirt cheap that way. I was able to buy a brand new home with only $900 down. FHA loan. Ask around at different banks & mortgage lenders for first time home buyer money it's usually easier to get in the first part of the year. Any lender can pre-qualified you too, they'll let you know what you can afford . Fha loans are a littler easier to get if your credits not perfect. Only need a score of around 620 or so.

[@jusysl6321]

Saving and investing

[@democracysdoomsday7905]

Savings is great however it isn't enough. Put just as much effort & energy into fix/get-ing credit. Your credit score is the only thing that can get you the best Interest rates "deals". Credit builder, secured credit etc. A dwn pyt is just too seal the deal. Doesn't make as much of a difference, you'd think. My brother in law had the lowest interest rate & payed off his jeep earlier than my bro. My brother thought a big dwn pyt would result in a good interest rate along with options. It was definitely a rude awaking.

[@TheRena1969]

@@Lady-Carmakazi thank you for this good information 💯

[@furkanakdogan9890]

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a service from this name below, and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@robiieray]

Spam

[@Cantetinza17]

Yeah got a $500 limit from capital one.

[@evelyncoleman7476]

I subscribed just because you seem so helpful. Thanks, even though I don't have credit issues it's great that you're helping people

[@kloxy1472]

I have been using The stated name below, and its predecessors for decades and it is by far the best product of its type and it keeps getting better. The customer support is outstanding, too. It saves me tons of time at tax time and when calculating investment performance. It is unequaled in features and convenience.

[@searchmendosanonymoushacko7106]

Bad khencorp

[@wfbaca]

Lots of good info in your videos, brother. Semper-fi.

[@anitasengrath9270]

I stumbled upon you and thank you for your page. Also, I love that you're representing Asians. Currently and aggressively working on my credit. Your videos are sooooo helpful.

[@LovelyAna1]

I shared ur video with my sister. She'll need ur help!! Thanks so much for all u do n ur videos!! Much appreciated!!

[@kldegeyter]

Great video! Definitely need to get the ball rolling on some past accounts.

[@kymk143]

Wish I would’ve known all this years ago..This is so helpful! Thank you so much.. Gonna share with friends and family!

[@ammooth1592]

So do I 🤝🏿

[@cameronfousvlogs5211]

If you are really looking for help to improve your credit score, I would like to refer you to a service that has helped me drastically. I have been able to get my score shut up to a perfect 800plus and all my negative items have been deleted. " C r e d i t m a s t e r f i x . c o m " rendered an excellent credit repair service.

[@heven729]

Thanks for your videos devil dog. Happy birthday! Semper Fi!

[@NaamWynn]

Semper Fi devil!

[@Davids2-High]

What a great video. More info then and truth then most videos Iv seen. Thanks again.

[@hermanlopez2945]

Love your video with all the tips and tricks for smart decisions.

[@aggrodkreg4321]

I wish I would've known this 5 years ago. I let a Sprint account go into collections, and I started getting harassed by the collection agencies during weekend drills. I did manage to get the money I owed to Sprint... I just went directly to them and settled the account myself, telling the collectors to pound sand. I removed the collection a few years later when I started to get into credit rehab, but I know it could've been worse. Still... always good to know the tools you have for a given situation. I appreciate the work you do, from one vet to another.

[@rkba4923]

NOT wise to pay original creditor once it's been turned over to collections! But, I'm not a lawyer.

[@tatianadaniel3569]

@@rkba4923 Can you answer a question for me??

[@anthonyjacksonjr4812]

This understanding was very good to hear. Thanks again.

[@pinkpriss]

Thank you! You are/were easy to listen to...spoke fast enough etc. I clicked through many of the other "Don't pay collections" videos on KZbin because they spoke too slow, could not stay focused etc or were just plain boring.

[@NaamWynn]

Thanks! Many have said I spoke too fast, so I tried to slow down in other videos.

[@tommyle7658]

@@NaamWynn and caption too, thank you

[@michelleharvey7581]

Currently in a situation where I tried to use my Army Tuition assistance for university. After finally contacting who i needed and getting it set up, i was told it just takes a little to go through and then it will go through. I dont go to that school anymore and the army never ended up paying the tuition. Now im sent to collections with destroyed credit from it. Im still figuring out how to deal with this all, but people like you are amazing for calming me down. Financial stress and anxiety is like no other.

[@naamwynn.Approve]

GmaiI Naamwynn65

[@naamwynn.Approve]

*f o r w a rd* whatever concerns/questions you hv to…

[@rickjunior6478]

Been thru that, never did, never will. You demand they stop calling, they have to abide.went through this back in 1999. Went to a bankruptcy agency, they work with you. Got awesome advice on what needed to be done to track your finances. After clearing the probate period, I have never stop using the tracking program they provided. I am now retired with healthy pensions and savings.

[@artemusgordon3832]

Hi Naam, very helpful video. Thanks. :)

[@gnosticsabaton4975]

I don't pay collections agencies and I don't care about my credit score, because I already have 3 homes, so screw them!

[@kitty-ld6oo]

Thank you for the info. I needed to know I made the right decision to work paying my federal student loans. Very helpful. Thx🎉

[@TheSkipTracer]

And thank you for getting it right on stating your name and therefore before becoming liable. Biggest myth I deal with. However you are not admitting guilt if you don’t respond to the letter. There could be a lot of reasons. The guilt is always admitted in the signed contract.

[@haashaas2508]

DUDE, YOU ARE SERIOUSLY AWESOME

[@mslj4062]

Thank you Mr. Wynn! 🙏🏼 This video was most helpful and enlightening. I have learned and continue to engage in as much financial literacy as I can since the pandemic hit. That to me is TRULY the 🗝️ to success! I feel the "Silent Generation", understood the importance of good credit, and as such it was part of their lively hood. In any case it was a pleasure to watch this video. Thank you again. Take care. 🙌🏼😔🙏🏼💯🎯👏🏼

[@wrinklyvikings1343]

Dude, your video was so accurate. This is exactly how it all works, love what you're doing, keep making these informative videos, the more they know the wiser decisions they'd make, I wish more ppl understood though that we're not their enemies and we also want to find a win win situation for each other.

[@NaamWynn]

Appreciate it!

[@danielzamora4421]

Do you a dispute to debt collector or credit bureau

[@thecougarexperience]

My fellow Vietnamese, your lighting is on point!

[@Alonzo42189]

Bro. I understand. Keep going!

[@cakrmc1928]

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@brendacapestany2518]

I Negotiated my own collection payments. I paid it then and within six months I have excellent credit I owed almost 4 to chase I paid 600.00 it went away.

[@sweetness4635]

I’m scared of chase . Lol

[@Unknown-xv8lj]

Michelle Why?

[@galato4234]

How do you do it? If you have a debt that is 5 years old in Florida, do you think it will should be erased from your credit report? Thanks for your help.

[@labreneshajohnson4536]

Did you negotiate to have it removed or they did it on their own. My cc refuse to remove from my credit report

[@luistobar7]

Very valuable information! I will definitely subscribe to your channel . Thank you for taking the time to make this video :-)!

[@vickyvic2852]

This was so helpful!

[@ilianawadkins8829]

Thank you for your information it was very helpful

[@robertwhite9898]

Everything you said is correct 👍 I’m in the state of Ohio & the Statue of limitations is (6) years on credit card debt,s My advice to all would be to check your state & see what the statue of limitations is . Every state. Is different. Once the statue of limitations is up or beyond it the creditor can’t do anything.

[@HenryTheIII]

Awesome points! I had one account in collections and I paid as it was till in the S.O.L. They settled the balance for lower than what I originally owed. It was deleted from my credit report also.

[@catrinaxoxo9153]

Same!!

[@HenryTheIII]

@@catrinaxoxo9153 that’s awesome!!!

[@manoharmj2338]

@henry the III could please share your negotiation points and tips.

[@robertwhite9898]

Awesome

[@Jennifer_Lewis_Beach_Living]

Excellent! Yes the only way it’ll really benefit your credit score is if it’s deleted from your report.

[@lovely31bluprint]

Great information from Colorado. A person receives SSI or SSDI benefits owes student loans and NOT in default. That said, a form have to be filled out yearly call Income Based Repayment (IBR) is an option. It gives borrowers a way to make loan payments. IBR provides for reasonable student loan payments based on a person"s income. Payments can be as low as $0. After 25 years on the program, any remaining debt is forgiven. People with loans in default cannot be in the program. However, people can get their loans out of default by making a number of "reasonable" payments. Once the loan is out of default, offset of benefits should stop.

[@RuthDameron]

Great info, thank you!

[@Rakki_Haitatsu]

Naam Wynn Thank You so much! Thanks to you I ended up paying 25% of my debt with a collection agency that's been hounding me for months! Your videos helped to guide me and also give me the confidence to negotiate a settlement. Subscribed! :)

[@Kw_Torres]

Did I get taken off your credit report

[@johngatsby1473]

@@Kw_Torres more than likely it shows paid for less than full amount.

[@Jennifer_Lewis_Beach_Living]

That’s good, but remember that it doesn’t do a lot to your credit score if you settle or pay it off AND they won’t remove it from your credit report. It still shows up on your credit report, AND it resets the statute of limitations of suing AND reporting, so your score is going to take a hit for the first few months. The only way this will benefit you is if they completely delete the entry from your report. A lot of legit collectors are doing that because the consumer has smartened up to how paying a collection doesn’t benefit them, especially if the SOL expires. The only way legit collectors are getting their money is to agree to delete the item from the credit report.

[@ivyfeenix]

@@Jennifer_Lewis_Beach_Living What do you do if it's past the statute of limitations? It's 3 years in my state, however, the creditors stopped reporting years ago--but it's still on the report.

[@annaahmed2564]

That is very helpful tips loved thanks for sharing keep it up good work.

[@digitaItrapping34]

Do you have any passive income streams?

[@joeykim373]

Great Video Naam! It feels like forever since you did our collab! Hope everything is going well... just trying to catch up to you everyday haha

[@NaamWynn]

Haha youtube moves fast! You'll get there homie

[@mikecagle984]

If the company I owed money to, "sells" my debt to a third party, why would I owe the third party money I never agreed to repay or signed a contract with?

[@NaamWynn-my11w]

Please refer your question to my email at

[@NaamWynn-my11w]

Naamwynn65 GmaiI’

[@BokHog]

Collection laws vary by state. Some states have more consumer friendly laws than others. So, what he is saying about what the collectors can or can not do may or may not be true in your state. Which is why it may be worth paying a lawyer for consultation if it is a concern.

[@sergiolandz6056]

there is still universal rules they need to follow since the collection agency's never ever contracted with you to do business.

[@EmirAk0]

Bother - may I suggest you make This below name correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare

[@allicejay4599]

BAD KhenCorp⨀COM

[@carlosaceves5493]

I just jumped on to your channel - good info thank you.

[@Cfg-gr8kv]

❤️❤️❤️❤️great information and great that really works

[@cameronfousvlogs5211]

If you are really looking for help to improve your credit score, I would like to refer you to a service that has helped me drastically. I have been able to get my score shut up to a perfect 800plus and all my negative items have been deleted. " C r e d i t m a s t e r f i x . c o m " rendered an excellent credit repair service.

[@deborahhopper1070]

A good video, Thank you.

[@mikebarreras26]

Very helpful!

[@micalah8282]

Statute…of limitations. Not statue. This is very helpful. I’ve been working tirelessly on my credit and another persons for the past month and significant changes have happened. A lot fell off, a lot was paid. I’ve done some things really well, and made mistakes as well. Thank you for these videos!

[@Rockfor970]

lol

[@davidwade8194]

Great video. I love watching your KZbin videos. I just want to make one small correction. I am an accountant for a financial institution that issues credit cards. Once a loan becomes 90 days past due all income accruals stop and any previously accrued income will have been reversed back to the last date of payment. I am pretty sure this is a universal standard that conforms with GAAP. Therefore, nobody is paying taxes on stale accounts even if they have not yet been charged off. Love your videos and you are awesome with presentation.

[@NaamWynn]

Thanks David for the insight!

[@itzrlymeman]

Start your negotiations with a low ball esp if past the statute of limitations. Worse you can get is a no. It’s worked for me.

[@travissk5036]

Thankyou. Great Content!

[@iAdden]

“It’s fine that you’re calling me while I’m at work even funnier is that I work at home”

[@CindyLopez-wj3uj]

I’m weak 😂😂😂

[@dmana3172]

I got a collection on my credit report. They kept calling, but I didn't answered it yet. I don't if I should. However, it doesn't matter. They cannot garnish my wages.

[@LolaValiant]

This was great

[@gunnyjohn2580]

Who could possibly give this video a thumbs down??? Great information 👍 Semper Fi!!!!!!

[@DogManDan]

Anyone who knows that is you let it go to collections (depending on your state) you will end up in court and with a nice big hefty wage garnishment & embarrassment as a result. You could even end up in jail.

[@jeanniestanley7728]

Debt collectors

[@sergiolandz6056]

@@DogManDan cant go to jail for unpaid debt, if you do then i dont understand what you did wrong, but i have never heard people go to jail for debt. Take alex jones he owes 100's of millions and not paying it and hes not in jail.

[@fmspec]

Thanks for your video, however, the collector sold my debt to another new collector and killed my score heavily again. Tired of this credit stuff

[@KaChauDiva]

Same. The new collection agency is vicious. I got served with papers during the pandemic and I answered in court within the 15 days. We go to court in September. They have since sent papers demanding that I admit that I owe the debt. When initially contacted, I offered to make payments, but they refused.

[@ITIRICI]

Average is 45% for anything over 1k dollars Anything under 1k can usually be around 30%

[@kripton9ite445]

Source?

[@janfan72]

good info

[@charlesahon]

Good info.

[@With.Love.Chris.]

🎉🎉🎉Wish I found this video 2 years ago!

[@msh5597]

I hired Lexington law and they were able to get some debt off of one or two credit bureau but not all three and I had them for eight months

[@hz_kayntr264]

We’re renting a guest house at the back of the main house. We applied for rental assistance last time it was available in LA. They prioritized apartment address than residential. They never replied at all with our application. My wife & I lost both our jobs and score went bad, I paid Lexington Law to help me fix my credit for months and they did not fix anything except my attitude about how "good" they are. I canceled them once I saw nothing happening Ty i have been using this name below since few weeks, great way to build. I LOVE IT

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@rosaortiz4495]

Thank you .

[@rfrandy]

I understand that. They garnishment on me.

[@robertrudisill5777]

Debt collection agencies buy in bulk for less than 2 cents/$. Never pay more than 10 cents on the dollar

[@Cantetinza17]

My former husband and I have a Vegas timeshare that is in collections. It's actually hurting his credit I think, but I've been doing research on what we should do about it. We were on a payment plan and then they reneged on it and wanted us to pay way more then agreed. Yes a lady called me about 4 months ago and actually threatened me with jail.

[@robertwhite9898]

You can nail them . FPDCA which is a federal law . You have rights . Don’t let them push you around & threatening you . The first thing to do is to document it & keep track . Dates & times & with whom you spoke with . Check the laws in your state. On collections . That lady had no right to threaten you . You should have reported her. I’m the type that doesn’t take any crap from nobody. You have rights I’d would have laughed at that moron

[@Jennifer_Lewis_Beach_Living]

If they threatened you with jail, sue them. That is against the law with the Fair Credit Reporting Act.

[@user-gi9ft8lb5y]

Though collections has a statute of limitations the collections will stay on your credit report as long as the bill is unpaid. If they take you to court before the statute of limitations is past you will be stuck paying the bill. Also after the statute of limitations has past their are heartless companies that will buy the debt for pennies on the dollar and harass you and lie to you and make threats to you in the hopes you do not know your rights and go ahead and pay them. These people would sell out their mothers for a dollar. A sure fire way to get them to stop calling you is every time tell them you are recording the phone call and then say the date and time as soon as you do.

[@ronanderson1816]

Thank you !

[@annemariebelcher6931]

Did you say they can not contact you between 8am and 9pm? Perhaps that was error?🤔I thought it was no contact between 9pm and 8am.🤷🏼‍♀️

[@shockjock35]

I had someone call that left a voicemail to say they were filling a complaint with my county and they if I don’t respond they will take legal action against me. They never said what the complaint was for or what their company name is. I don’t have any collection debt on my credit report. It was crazy because they called someone that I know who had just got a new phone number less than a week prior to them calling my friend. I didn’t even have my friends new number yet.

[@simont557]

The last time i had a collection agent chase me was 10 years ago for a hospital bill for pain killers. the amount was $30. when they rang i said thank you for purchasing my debt, i consider it fully paid for now. and i hung up the phone. never heard from them again

[@tatianadaniel3569]

😂😂 Sir, has your credit score been affected since then?

[@simont557]

@@tatianadaniel3569 that’s my business…

[@tatianadaniel3569]

@@simont557 I'm sorry. I didn't mean any harm.

[@NaamWynn-my11w]

Naamwynn65’ GmaiI

[@sonictonic_]

I’m really enjoying your informative videos. Thank you. Question... can I safely ignore or assume I’m passed the SOL if I’ve been getting letters from a collector that’s originally from an old cc of mine where I don’t see the account on my credit report at all? It’s pretty old but I don’t know exactly when originally, I just remember having a dispute with the cc on the amount and then life happened and I just let it go. I would never do that now but that’s what I did here. At this point though, even though it’s not a ton of money, under 1k, I. Hesitant to pay it mainly because it’s not on my credit anyway and what if I did pay or settle and THEN they put it ON my report? I’d rather leave things alone in that case. Every few months they send a letter with a settlement offer, always with an expiration date, but they always send another down the road. What to do, any insight?

[@Dwayne-mb2uj]

Our student loan was paid off by the government for working in a low income school as a teacher. This is a two year old video so even though it is very good it is not current.

[@naamwynn.Approve]

Questions pertaining to this are to be *directed/fwed* via

[@naamwynn.Approve]

maiI; to: naamwynn65 GmaiI

[@platano3000x]

I started paying 2 bills that some lawyers own...i got freak out when i received a letter were they had all my job information and one of them even was going to take me to court on certain date and that if I loose on court they will be taking out like 250 dollars out of my pay check every week..i decide to do a payment plan and well thats what im doing now

[@rcfowler1238]

If you need a monthly subscription as an ongoing credit problem, you need to reevaluate your situation. One time credit fix is all anyone SHOULD need.

[@naamwynn.Approve]

GmaiI naamwynn65

[@naamwynn.Approve]

Questions/concerns you may have are to be directed/referred over there.

[@Bonsp1]

Great video thank you so much one question what about the creditors that continue to report the collection every month

[@fallin4271]

Thank you 🙏

[@labreneshajohnson4536]

When i do my research some people say its better on your credit when paid in full however others says its the same since its already a negative mark and is better to settle. The only importance is getting it removed. I called and they said they cant remove it from my credit report but will report as paid. I can afford to pay in full only thing i care about is my credit history. I want it removed but dont know how or looking for the best thing

[@ericr154]

I've recieved letters for both times I was sent to collections. Didn't pay the first one because I didn't agree that I should but the second one was to the its so I paid that..

[@benvashchenko5696]

Make a video about medical debt. Someone hit my wife (car accident) and she went to the hospital now I'm in collection. Insurance ran dry and the debt collector thinks I owe them money.

[@tonywhite5085]

Thank you i was afraid because i disputed a debt that was removed from my statement. But i called collections to see who the original creditor was so i can pay them instead i would rather pay the creditor then the collector. But if i have to brib the collection to remove it i will.

[@brianallen7294]

Great information well delivered

[@MagneticUnicornVlogs]

I wish I knew this before. I did all the things that you shouldn't do 😔

[@ylmazsenel4289]

Mendosanonymoushack🪐net Rocks!!! Mendosanonymoushack🪐net Rocks!!! Mendosanonymoushack🪐net Rocks!!!

[@royalkst1lla667]

I can feel that your videos and all the information or content that you provide is of very good help, thank you very much dor me and many more, BUT, if before uploading the videos you could at least edit it and upload them with a CC in Spanish to so that we can better understand the content and thus reach much more needy and much better subscribers, I can assure you that your videos will reach a much more needy audience and your content will better understand.

[@ArmyWarVet1985]

I really wish I would have subscribed to your credit repair.

[@bhfoyundahd1583]

We’re renting a guest house at the back of the main house. We applied for rental assistance last time it was available in LA. They prioritized apartment address than residential. They never replied at all with our application. My wife & I lost both our jobs and score went bad, I paid Lexington Law to help me fix my credit for months and they did not fix anything except my attitude about how "good" they are. I canceled them once I saw nothing happening Ty i have been using This name below since few weeks, great way to build. I LOVE IT

[@marissasaucedo4400]

BAD KhenCorp⨀COM

[@joanedwards1479]

I always put the letter in the trash

[@galato4234]

I have a CO of $1900 from Target in Florida that last September got 5 years. According with the Statute it will be erased from my credit report? Or do you think is better to pay off.? Thank you for your help.

[@mindyhays4816]

I have medical bills that I want to pay off since I have some extra money but I am honestly not sure if I should pay through the hospital I used or the collection agency that now has them.

[@connoisseurkrvidoes]

just subbed 🖐🏾💚

[@commadanteflet]

Very helpful. If a collections account is past the statute of limitations and you demand for it to be removed, can a negative mark still remain on your credit report because of the "unpaid" status? Thanks!

[@troylollysaf9311]

If you dont pay collection your credit score will always be very low. If you dont plan to buying anything with good credit ie house car, dont pay..

[@NaamWynn-my11w]

Compose an email using this as the subject to me at..

[@NaamWynn-my11w]

GmaiI Naamwynn65

[@SeanPowell-kh1ll]

9pm-8am

[@TheSkipTracer]

Workplace calls aren’t illegally, but many states have stipulations on how many calls can be made.

[@hellohunter8583]

I had a collections contact me on a phone bill back when I was young. I told them “piss off im not enriching you off my downfall. I’ll pay Verizon, not you “ They say “sir they have transfered it to us and want us to handle it” I said “ still no, I’ll deal with them. Your not getting a dime “ I called Verizon and ended up paying Verizon instead. This was years and years ago Collections was mad because they just bought debt for no reason lol

[@twbeyouparadise]

Thanks

[@p2o8wer]

Let’s say you owe PayPal bill me later. Last payment was in 2016. It was never reported to credit bureaus. A new bank took over but it’s a different collection Agency trying to collect. What should you do? Can they report it to the bureaus?