VERIFIED! When your dispute letter to a debt collector comes back validated, what to do in 2024

[@RWlawFL]

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[@jonwilliams198]

I swear this is the only Guy I actually listen to everything he says. No BS, just gold nuggets

[@RWlawFL]

Thanks!

[@jonwilliams198]

The way you link the next video because its exactly what i need is awesome

[@RWlawFL]

Thanks!

[@agilitymediallc1185]

absolutely the best advice out of searching for how I was going to deal with a debt collector trying to hold me responsible for my deceased mothers debt. Thank you so much.

[@RWlawFL]

Glad we could help!

[@ZayValentino]

How did it go?

[@RWlawFL]

If she's passed away, they're going to have a hard time collecting from her. Do you have the same issue?

[@shengloan]

I’m so fortunate and grateful to have mistakenly land on your channel and video. Your advice is clear and cuts through the BS. I’ve been watching the others and definitely understand your clear and concise directions! Thank you !

[@RWlawFL]

I'm glad you found it helpful!

[@leliahood537]

I'm so excited to have this information. I can't wait to do this & finally have better credit & be able to tell them stop leave me alone. You really know this stuff but lol I'm trying to keep up with you & take notes. But I end up backing up & playing again & again because you're a very quick talker. At least you're very articulate & that help a lot.

[@RWlawFL]

Sorry about the fast talking. We like to get as much information out as quickly as possible, and keeping the pace of the videos snappy helps people not get bored. You can always watch at a slower speed on the playback. But we’re really glad the videos help.

[@leisurelawn]

I took notes and used suggestions you gave that fit our circumstance. We have not been able to get them to quit calling. But after emailing specifically with your words, just one week later, I receiveved an email from the collection agency stating this: Thank you for providing this information. We have updated the details on this account and have marked the account as dispute. Based on your email, we will cease calls to all phone numbers that we have for you regarding this matter. Thank you!

[@RWlawFL]

Glad that worked!

[@nancyanny]

Your videos are helping us so much, thank you. We have a PRA collection over a disputed dental bill (our dentist didn't submit the bill to the 2nd insurance, then put it into collection without resubmitting the bill, and we have our ins. company stating that they never received the bill at all!), so we were disputing our bill w/ the dentist, who then sent it to quick collections, and I ignored it (i had a daughter in the hospital, i wasn't being rude, just distracted w/ serious business of life), and at some point PRA bought the debt and I'm not disputing the debt at Transunion, and waiting for them to tell us they're going to sue us, so we can try to settle w/ the lawyers. Thank you so much for all these tips, i'm watching every vid and trying to fig out how and when is that sweet spot to wait for the settlement request. I work for lawyers and am having them help me put my settlement req together :) tho we are only in the honeymoon stage (phone calls from PRA so far). Thanks again!!

[@RWlawFL]

I’m glad to hear you found out videos helpful and that you have access to good legal help.

[@KatherineH1986]

I have a rental company that added $1000’s of dollars in repairs after I moved out that were improvements the company needed to make to the property and not any sort of damage that came from my living there. Basically they invested in raising the value of their property and charged me for the improvements. I caused zero damage to the property but they kept my deposit and charged me for improvements they wanted to make to their property!

[@RWlawFL]

Landlord/tenant law is very state specific and you probably need to speak with a landlord/tenant lawyer in your state about whether the landlord has broken the law, and whether you have the right to recover your security deposit or any other damages.

[@BeTrue2Yourself413]

Really helpful video about debt collection solutions. I had a auto loan creditor reported I was late on a payment after the car has been traded-in.

[@RWlawFL]

Glad this was helpful!

[@acbarker5311]

All I wanted was a sample letter for debt verification. And you got into the weeds about lawsuits and juries.

[@RWlawFL]

We have other videos that specifically offer free templates. I’m glad that we could give you even more than you asked for.

[@RickyG225]

Everyone- This man here is so helpful with giving direction on these delicate matters. I want to give him some kuddos and high praise for all of his help and assistance. Just ask a question and he will deliver. Thanks so much sir and God Bless!

[@RWlawFL]

We’re so glad you find these helpful.

[@goldengate4463]

Great information attorney really appreciate it! Keep up the good work!

[@RWlawFL]

Thanks for watching!

[@SaintTrinianz]

Impoverished senior citizen, creditor sued while yet in a payment program. Case dismissed with prejudice. Debt charged off... and they're STILL attempting to collect. Honestly, I would have been happy to pay, but I am in poor health, living in my vehicle, struggling to survive, like so many people now...

[@RWlawFL]

If you're in Florida, we can help. Call us today: ricardolaw.com/contact/

[@dsadasey]

GOLDEN information

[@RWlawFL]

Glad you liked it!

[@journeefarms1069]

Thanks for the great information , Ricardo.

[@RWlawFL]

My pleasure! (This is Mike, by the way-Jason's my partner, and I'm the guy in this video)

[@universaldialogue2807]

What happens if I purchased a car got sick during the pandemic while in a bankruptcy that wasn't ruled in my favor with a debt that is now pass the statute of limitations in Indiana, a debt of $18,000 and the dealer has sold the vehicle for $9,000 but their still reporting to the credit agencies as $18,000; what can I do?

[@RWlawFL]

You probably want to speak to your bankruptcy lawyer about this.

[@dolphin1346]

Hello? In Florida my wife received a letter back on 2020. We filed a motion to see the judge So they just don't go and garnish her wages. This dept was back in 1997. So she went in front of the judge, and they came to an agreement to garnish $50 from her paycheck every two weeks. So we thought she was in the clear. They garnished that money for Approximately 12 months or so. She had found a new job that paid a little bit better. And then approximately ten months working at her new job & They started garnishing 25% of her paycheck So for example, when she got paid approximately $1800. Then after taxes, health insurance, and so forth. And then they started taking Out over $230.00 from her paycheck every other week. So her check went from $1800 And after all the deduction $900.00 who can live on that? It was illegal and what should we do

[@RWlawFL]

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.

[@vinn0815]

Hi, Michael! Thanks for this video! I sent a debt validation letter to a debt collector for LVNV. They responded within about a week. They sent 4 different letters within a day of each other. The first 3 had account statements from the original creditor and a statement saying, "this provides verification of debt." I'm still in the process of reviewing everything they sent me and haven't had the chance to answer their letters, but in the meantime, they have been sending me collection emails almost everyday. I was getting ready to write a letter to respond to their "verification" letter but then I got another letter saying we have reviewed the financial transaction history of the account and were unable to validate your claim." I'm not sure what that means though it sounds like they will no longer entertain any further dispute from me. I thought you have up to 30 days to respond but it's been like 2 weeks and it sounds like they're already closing any further communications about it. Am I correct?

[@RWlawFL]

You only need to dispute once under the FDCPA. Once you dispute that first time, it’s disputed. And you get what you get. But hopefully, you’ve got enough information at this stage to tell whether the debt is yours, and whether the balance is correct. If they continue collections, they do sonar their own risk. Every misleading or false statement they make exposes them to liability under the FDCPA from here on out. One of the biggest misunderstandings people have is that the dispute process is somehow supposed to resolve disputes. It’s not. It’s supposed to give you some bare-bones information to set you on the right path if you need to fight back. And the dispute process isn’t it, at least not after round one. After that, you’ve got to go to court if you want to get anything done. And that means you need the guidance of someone who’s been there before.

[@vinn0815]

@@RWlawFL Thanks for your answer. Resurgent sent me emails and texts almost daily after I sent them my dispute letter. They offered several settlement options and said if I create a profile in their payment portal, I will have other payment options. Is this a good idea to create a profile in their portal and negotiate that way? Or should I send them a letter with certified return receipt offering to settle in writing?

[@RWlawFL]

> I create a profile in their payment portal Oh, hell naw. I would never allow a debt collector to send me text messages or emails. I'd make them send it in writing, by US mail. And I'd sue them every time they broke the law.

[@michelleasunnydays140]

​@@RWlawFLa debt collector just texted me. the only option is to call them or reply stop to stop receiving texts.

[@RWlawFL]

So.... "STOP" is probably the best response. And then sue them if they continue.

[@natedogg7823]

So many great answers in the comments! Sir, YOU ROCK!

[@RWlawFL]

Glad you like!

[@Gigi-rg7xy]

I love your videos! I know you said in some situations we can sue the creditors or credit reporting agencies. How do we find these lawyers that take up these cases. What kind of lawyers are these or what are their titles? I would like to google these lawyers just to be prepared. Thank you!

[@RWlawFL]

I'm one of them. Most of the lawyers you're looking for will either call themselves consumer lawyers, "FDCPA" lawyers, "Debt defense" lawyers, or "FCRA" lawyers. What state are you in?

[@jmjlej]

This is great information that only lawyers can give but the only thing he has not told you is that if that debt is more then 7 years old it has to come off your credit once you inform the credit bureau about the debt being over the 7 year mark

[@RWlawFL]

I talk about that in other videos, like this one: kzbin.info/www/bejne/ipauYWx4a66JeNE

[@livingstonadamson8957]

What about opt out notices that the original creditor requires by law to be sent to the customer if her or she doesn't wants their non public information to be shared with a non affiliated third party? You can asked for these opt out notices. Under the Gramm Leach Bliley Act.

[@RWlawFL]

Debt collectors don’t count as “non affiliated” parties because they either act for, or step into the shoes of, the original creditor. And GLB doesn’t authorize private lawsuits to enforce, so it’s effectively useless.

[@brianrichards7006]

What does one do if the debt is correctly validated, and one actually owes the debt? Is it best to make an offer to settle with the collection company? And if so, what normally, would a company settle for? Maybe 20% of the debt? thank you.

[@RWlawFL]

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

[@wendyrathbun6134]

Since we live in a world where Contracts dictate agreements between individuals, What about there being no valid wet-ink signed contract between the borrower and the debt collector?? The creditor has already charged-off, I don't believe it's any of my concern if these companies purchase bad debt. How do we stop them in their tracks?

[@RWlawFL]

What pen did you use to sign the user agreement you have with KZbin to create your account? In the internet era, the idea of “wet ink signature” is a dead end. How do you stop them in their tracks? Catch them violating federal debt-collection laws. See our Debt Collection Battle Plan video.

[@wendyrathbun6134]

@RWlawFL Valid point...I have signed up for your daily emails & will find the law(s) they are violating. Thanks so much for your response! God bless you & thank you for helping to educate others!

[@RWlawFL]

Glad you found this all helpful!

[@AdminAccount-wy4od]

Thank you for the information. What if their response to the debt validation was just the signed contract ? They didn't provide any account statements to show payments made or how balance was calculated. Also, do you provide virtual consultations?

[@RWlawFL]

In Illinois, you should contact Hyslip Legal.

[@journeefarms1069]

Ricardo, can a medical debt collector send validation which states your diagnosis when they are not the actual doctors office? Does that violate HiPPA

[@RWlawFL]

Medical providers are supposed to keep your medical information confidential, but there's no way to sue them if they break the law. HIPAA does NOT prevent debt collectors from verifying medical debt, no matter what you've heard around the internet, and if a medical provider leaks private information, you can report them to various government regulators, but you just can't sue because HIPAA does not provide a "private right of action" meaning a right for an individual to sue for violations.

[@SassMamii]

Hi there! I got a validation letter from the hospital of the amounts owed, when asked the debt collector for validation.

[@RWlawFL]

With medical debt, the secret weapon is to compare your medical treatment records to your bill. If you find something you got billed for, but never received, that can be a powerful tool.

[@morenahondurena]

Hi! Do you have a recommendation for a debt collection lawyer in PG County Maryland?

[@RWlawFL]

I don't have any names for Maryland. Look around for lawyers who handle "debt defense" or "FDCPA" claims.

[@johnlozano5054]

Awesome information. Thanks so much

[@RWlawFL]

Glad it was helpful!

[@ausdlantein]

excellent info, very professional, i seea lot of charges on my credit card that i didnt do it. that why i failed to make payment and then eventually they put me late payment already, i need your help.

[@RWlawFL]

If they’re not your charges, this may be identity theft. If you’re in Florida, we'd like to speak with you.

[@Tuzlak22]

Where do you file a lawsuit against the creditor or reporting agency? At your local courthouse?

[@RWlawFL]

When we file them on behalf of clients, we usually pick the courthouse nearest the client. We don't usually recommend filing them on your own-especially since the lawyer is free if you have a real case.

[@npfd514]

Hi! Thank you for the videos!!! I'm in NY. I have 4 quick questions....1) Is there a way to have the reporting agencies NOT fix info that is disputed, but remove it? 2) What is the best way to have creditors remove late payments from an account once the account is current for a while? 3) If a debt was charged off, does disputing it restart the timeline for them collect and report an account? & 4) Can a charged off account be removed from my credit report if it is sold to a different company who has it reported under their name?

[@RWlawFL]

In NY, call NY lawyer Subhan Tariq: 718-674-1245

[@SeibroIncGuntersville]

Do the same rules that apply to Consumer Debt collection apply to Commercial Debt, in my case a UCC Lien?

[@RWlawFL]

No. Very different rules apply. If you've got commercial debt, you need a business lawyer.

[@m.s1596]

Hey I'm located in Indiana opened my door today and saw a letter taped to my door saying I'm being sued by Midland credit management (debt collector) I have 20 days to respond here in Indiana. Needing help what could I do or what could I send out to them to get this settled?

[@RWlawFL]

For Indiana, contact Hyslip Legal.

[@bnicolette81]

This is great info. What if the debt is only being reported on one credit report and not all three? What should I do?

[@RWlawFL]

You can send a dispute to the credit bureau pointing out any inaccurate, obsolete, or incomplete information so they can fix it or delete it.

[@johnAttiliis]

I would like to see if you can help out with old negative account. Just one creditor, could you buy the debt for pennies on the dollar or some other way to get it removed.

[@RWlawFL]

Are you talking about removing it from your credit report? If so, watch this video: kzbin.info/www/bejne/oZq5p3-fr7N8oNU

[@TemperanceLibraRising]

if it is a university how would a person know the exact amount they owe, Does a person have the right to request no contact without showing discrepency

[@RWlawFL]

You don't need to show a discrepancy to request no contact from debt collectors. At least, not in the US.

[@melissaschultz4032]

Thank you. How about when you send certified mail letter to the CEO and you do not even get the returned receipt back. Next move.

[@RWlawFL]

Seems like adding the CEO’s name was counterproductive. We never do that. Also, were you able to track delivery? Certified mail allows you to do that.

[@phillipjarosz659]

I have answered the validation ltr. Now I have a discovery ltr which I will dispute. Attached to it is 6 interrogatory questions I plan on respectfully dispute and decline to answer as it will give a false legal foundation on a fraudulent claim account.

[@RWlawFL]

If you're in court, you should immediately talk to a lawyer before you expose yourself to sanctions for discovery violations.

[@georgiekerrigan9996]

Why do so many collection repair companies advertise removing collections and such from your report for a fee ? I’m assuming they are sending these letters and get things removed but what if the debt is correct? Does this ONLY apply to debts that are incorrect ? Or is the idea that these debt collectors don’t want to go through all this and they will just remove it? I usually see hey we will remove collections from your report but what if it’s a valid collection ?

[@RWlawFL]

> Why do so many collection repair companies advertise removing collections and such from your report for a fee? They want your money. Some of them honestly believe they can help you. Many others don't care. You only have the right to fix inaccurate or obsolete information from your credit report. But check out our video on removing collections.

[@White.Indigenous.Autochthon]

What if you send them a billing error because they have failed to credit the beneficiary [obliger] with the dividend of interest on the remittance transfer? Is the only thing that gets validated is who the debt belongs to? Isn't it true that the signature on the initial application from the obliger is what generated the "money"?

[@RWlawFL]

The bar for validation is very low, as I discussed. Most debt doesn't involve signatures anymore, anyway. The beneficiary theory you're talking about sounds like something that doesn't really exist in the real world. A lot of people talk about that theory but none of them have any proof that it works in the real world.

[@myacrylicjourney624]

I see other people’s videos saying that since you never entered into an agreement with the collection agency that you don’t have to pay them.

[@RWlawFL]

Those other people are wrong.

[@ZZ-we7vt]

I have a debt collection letter for something I have no clue of nor does it reflect on my credit reports, which I have locked always. Read the letter saying where the debt occurred from and they don't have any information regarding anything with the account number or the loan name or phone, then asked for their fraud department and I was told they don't have one???

[@RWlawFL]

The letter should provide you with a way to demand written verification of the debt and its source.

[@LS-ws7rm]

What if you received a letter from the original lender and not the debt collector stating that “they sent the documents I asked for”

[@RWlawFL]

Seems odd. Who is the original creditor and who is the debt collector?

[@angiemorales8297]

That's great. Here in our country debt collector doesn't show any debt statement from the bank. Only total amount, even if so much error from the system they will forced you unreasonably to pay without proof of debt.

[@RWlawFL]

That seems unfair. Fortunately, in the US we have better laws.

[@ShirleyMays-et7pk]

I only have one reason for not paying that is i don't have anything in writing I owe him and not the credit card bank.... is that enough?

[@RWlawFL]

Yes.

[@joeconnors7024]

Nice video. What do you do when the Collection Agency has not responded to your dispute letter? Do they have a specific timeframe to respond to your dispute letter? If so, how long do they have? Should you send a follow-up dispute letter? What should the follow-up letter state? Thanks!

[@RWlawFL]

Once you send a letter… (and for anyone else reading, you can get letters like this HERE: rwlaw.gumroad.com/l/letters ) …the other side has two choices: 1. Stop collecting. 2. Give you a response. If they try to collect from you without giving you the validation information required by law, you can sue them and possibly wipe out the debt for good. If you're in Florida, you can reach us here: ricardolaw.com/contact/

[@joeconnors7024]

@@RWlawFL Thank you! However, the gumroad link is not working.

[@RWlawFL]

Try it again-there was an extra phantom character added to the link.

[@joeconnors7024]

@@RWlawFL Wow, awesome response times! It works, thank you!

[@RWlawFL]

I hope you find it helpful-please give us feedback through that platform. We're planning more information to roll out based on demand and feedback.

[@reneehenry1054]

What if the original account belonged to Republic Bank, which went under, and was sold to a debt collector against your will? That should be a different situation. I was paying Republic, and they went under. Then, these guys (NCB) bought the debt and started harassing me. When I asked for validation, they sent some documents in an unmarked envelope. Does this fall under the FRCA law about third party collections?

[@RWlawFL]

It sounds like the debt collector would be covered by the FDCPA, and if the report to credit bureaus, the FCRA as well.

[@ChelyLasVegas]

What about when the statue’s of limitation in your state has passed? And they still sending letter with a copy of your last statement.

[@RWlawFL]

Depending on what the letter says, that may be a violation of the FDCPA. Are you in Florida? If so, give us a call today.

[@henryfernandez299]

I have a debt collection sending me and statement of an account that does not show on my credit report at all not on one of all of the three credit bureaus. None of them are showing this that. What do I do? I already sent a validation letter and they sent me a statement back. What’s my next step?

[@RWlawFL]

What are you trying to accomplish? There are generally only three things a debt collector can do to you: report on your credit, sue you for the debt, or bother you with letters and phone calls. If the first two aren't happening, and you've already sent a dispute letter, there's probably not much else you need to do at this point.

[@mariemetellus6256]

I have a collection agency that refused to answer me, every month they keep reporting in my credit report.

[@RWlawFL]

They might be breaking the law. If you're in Florida, give us a call.

[@MsGemini321]

Ive had a parking ticket demand drom debt collecting firm ..from 4 years ago ! I never knew it even existed .. now stands at £170 ..for parking in McDonalds car park . Thats extortionate debt collector fees added . How do i challenge this ?

[@RWlawFL]

No idea. First of all, nothing on this channel applies to parking tickets. Secondly, it looks like you're in the UK so I couldn’t possibly give you the correct answer on what works there. Have you tried speaking to a solicitor in the UK?

[@khronos2782]

Great material. I had a bad accident a couple months ago and went to the Hospital. I've been working with the different departments and have a payment plan but the ambulance people sent me to collections 15 days ago. Is that legal in that short amount of time.? What should I do? Thanks

[@RWlawFL]

I'm not aware of any law that would stop them from trying to collect immediately once the debt is past due. How are the debt collectors interacting with you?

[@LunaBobbi]

New subscriber! You’re amazing!

[@RWlawFL]

Glad you like it!

[@untrellsharp1229]

If you dispute the incorrect names and addresses on your credit report and you show proof and the reporting agencies doesn’t remove them. Could you sue under the FCRA?

[@RWlawFL]

If they fail to reasonably investigate the inaccurate data, yes.

[@VMJRealtor]

I submitted a debt validation letter and the collection agency responded with a blank statement account that only has the past due balance, not the actual charges. No way to tell how the amount is calculated.

[@RWlawFL]

That's not uncommon. The bar for their response is very low. But if it used to be your account, you might have some account records of your own showing a contrary balance. And if you do, that's all you need to spot a possible FDCPA violation.

[@empathy_is_only_human]

In the event that credit information is not showing the original date of delinquency on the credit report.

[@RWlawFL]

Sounds like something you could dispute as incomplete. Once they fill it in, compare it to your records. Watch our Debt Collection Battle Plan video to see what you should do next.

[@lisad2563]

I received a letter from a debt collector in response to my dispute. The charges were for an apartment my daughter lived in. The charges were for cleaning and paint, which our our $200 deposit should have covered. They are asking for an additional $220 to cover cleaning and painting. My question is, since we cleaned the apartment and provided a receipt, can I dispute this amount? I understand most apartments have to be cleaned and repainted to some extent but if the deposit isn’t enough to cover that expense, am I responsible for that extra amount? I’m not sure how to respond or if I should.

[@RWlawFL]

Battling with landlords can be tough. Arguing with the debt collector is usually the worst way to challenge dirty landlord tricks. In most states, I highly recommend checking with a tenant-side landlord/tenant lawyer who can help you figure out if your landlord has broken the law in a way that gives you the leverage you need to wipe out this charge forever. Still, disputing the debt with the debt collector might give you leverage there, too. Talk to a lawyer and maybe try both approaches.

[@stephengordon4834]

Thanks for the great video, I have a car on my credit report that was taken but was settled for a amount and paid but is still on my credit report, is there anything that can be done?

[@RWlawFL]

Is the outstanding debt amount: 1. Inaccurate, or 2. More than seven years old? If so, you can dispute with the credit bureau that gave you the report.

[@marianl3447]

If a credit bureau reports says i was denied credit by a card co or bank that i did not apply for a card with : 1. doesn't that affect my credit score? and how can i change that? 2. For that reason (no. 1) and because i did not apply even for a card with them so how can i get records changed with that card? (it was a store and the salesgirl started the applications process for the card before i gave the ok and then i told her i have a card and did not want to apply for one with them so pls cancel that and she informed it was cancelled or not processed . I still got a letter saying they denied me so i called and said how can you deny a card i did NOT apply for ? how can i have this removed from report? i did tell the credit bureau that i did not apply for it and that denial is not valid but they would not do anything about that. and 3. so what can i do?

[@RWlawFL]

Yes. You can dispute inaccurate information. If you didn’t authorize the credit pull, the store may also be liable.

[@cees.7105]

I received a letter from a debt collector. Sent them a request for validation. They sent account statements and a letter that they claimed to have mailed. However, I looked at my credit report and that account is NOT on my credit report. I’m so confused!

[@RWlawFL]

They don’t have to report it if they don’t want to. A debt’s validity does not depend on it being reported.

[@dorothyderakhshani8764]

I live in Oregon. I am a ovarian cancer survivor and BRCA1+ so high risk for breast cancer too. Because of this Medicare allows me to have a breast MRI annually in addition to a yearly mammogram. In 2018, Medicare denied the MRI claim and it was sent to collections. The provider said they appealed the denial but Medicare still wont pay them. It likely was billed incorrectly because prior and subsequent years were paid by Medicare and my Medicare supplement. It is important that they bill with both my diagnoses so Medicare would pay for a breast MRI. They should know if medicare might not pay for it and they did not provide me with an ABN. Not only that, I told the provider to make sure both my dx’s are on the Rx or they wont get paid. They did not do it so it got denied that year. They sold the debt to a collection agency without telling me and now I am being sued in small claims court for over $3,600. I answered that I want a hearing. I want to dispute the bill but its a collection agency suing me and they are not the ones responsible for incorrect billing. What should I do now?

[@RWlawFL]

I would run, or walk, to a lawyer in your area that handles Medicare debt collections. If they are suing you for something you don’t truly owe, you can sue them back and put money in your pocket while making them go away forever.

[@theressorelus631]

I went to a well know Dentist office here in Georgia.They open up a account in my name.I had Insurance.The amount was over $5000.00 .After I found out what they did I went back to them and showed them all the paperwork.I never sign for that Credit.What they were doing was charging my Insurance and charging the credit card company.The Interest rate was so high,I started paying,but it never same to reduce.They sold it to a collection agency.Now they are coming after me.I am sick over this.Could you help me ? Or tell me what to do.Thank you for any help.

[@RWlawFL]

I don;'t know how Georgia treats that but if you were in Florida I'd be having a conversation with the dentist that they've want some Novocaine for.

[@khyiamatthews5308]

If I disputed the debt with trans union but they keep saying the debt is justifiable. But it’s not on my other 2 reports. How do I go about that? Then the original contract isn’t in my name nor did I ever give them my social security number, they keep texting me trying to settle even though I don’t respond to them.

[@RWlawFL]

This video is about disputing to debt collectors, not CRA's. If it's not your debt then you've got a possible ID theft dispute. If it is your debt, and the reporting is otherwise accurate, timely, and complete, you may not have a legitimate basis to dispute with the CRA's.

[@Michelleleigh83]

I just got a summons from from a debt collector in my old name and I'm also on supplement social security I do not have the money to pay now I only get 943 a month I don't know what to do

[@RWlawFL]

Have you spoken to a legal aid organization in your state?

[@TheGweedMan]

Where is the form letter? I am on an iPad and there’s nothing “down below“.

[@RWlawFL]

Here's the link to our FREE set of sample letters you can use: rwlaw.gumroad.com/l/letters We updated the video description to include the link. Thanks.

[@tambanyuma36]

What about if you didn’t get no letters or emails from debt collectors and they reported you to credit bureau?

[@RWlawFL]

Then they've probably broken the law and you can skip 5e dispute step and go straight to the lawsuit part.

[@bren4846]

What happens if I sold a car and said car was released on the dmv website and the sold car got impounded because the guy you sold it to got pulled over and never registered it in his name and the dmv has no record of the release of liability and the original impound lot sold it to a debt collector? How do I go about that?

[@RWlawFL]

This probably varies from state to state, so I have no idea how to handle this in your state. Whenever you buy or sell a car, it's hugely important that you handle ALL the paperwork properly or you may be setting yourself up for a bad situation like this. I hope you at least got paid for the car before you sold it. If not, I would guess you're out of luck.

[@skip123davis]

thanks for this! two questions: 1: i sent a certified affidavit to a law firm suing me over a debt. i was served papers at my home. i never received a delivery receipt from the post office. now what? 2: how do i sue for damages for unlawful collection activities?

[@RWlawFL]

If you've been sued, consult a lawyer in your state immediately. You can't afford to skip this step. For the rest, check out our recent Debt Collection Battle Plan video.

[@apegasus9594]

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 ? Already reported this to state AG and they refuse to enforce their deceptive business practices statues which has clear fines associated. Also the amount they claim i owe is barely over the cost for them to file against me and im not in the same state as them either.

[@RWlawFL]

If they filed a lawsuit in the wrong state, then they have violated the FDCPA.

[@erikarivera8277]

And also if they don’t do what they posed to… How do I go about a lawsuit towards them?

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@michaelstewart3207]

What is a charge-off and can it be beneficial on your credit report?

[@RWlawFL]

A charge-off means a lender or creditor has written the account off as a loss, and no future charges will be added to the account. I'm not aware of any situation where that would be good for you, except if they add illegal fees to the account after the charge -off, which may be a violation of the law and a basis for you to sue them.

[@michaelstewart3207]

Is it legal for a lender to write a charge-off if you're STILL making payments on the account@@RWlawFL

[@RWlawFL]

I don't see any reason why not.

[@jamiethornton6101]

what happens if you get one of those letters from Midland that says we have this debt and are considering legal action and you're disabled and can't work? And this is from an old Credit card debt?

[@RWlawFL]

Have you sent the dispute letter we talk about in our videos?

[@michaelzeigler9033]

A debt collector contacted me about an electric bill that is past due on a rental property I sold at the end of July 2022. I informed them over the phone and a dispute letter that the electric bill charges they're attempting to collect from September-October 2022 is not my debt and it's the debt of the new owner of the house (he didn't notify the electric company until Oct 6th) that he owns the house now. The debt collector responded and say that their client says that I still owe the debt. Where should I go from here?

[@RWlawFL]

If it's a bill coming from a rental property you owned, then it's not a "consumer" debt and nothing I say in this channel is going to apply to you. If you're running a business, you need to have a lawyer you trust to help you with tings like this.

[@JBanksPhotography]

Great video!! I have a question. I disputed and some items were removed, but others came back validated so I went to the CFPB and filed a complaint. More items were removed and some still came back validated. I still see reporting inconsistencies, where amounts and dates are reported wrong on the 3 bureau reports. Should I go back to the CFPB? Because there us no way they did a validation of items are reporting incorrectly.

[@RWlawFL]

It sounds like you're talking about credit reporting, when this video is about debt collection. But if you've disputed an item on your credit report, and it's still incorrect, going to the CFBP usually won't get you relief. The only leverage you have is to sue for violations of the Fair Credit Reporting Act. The CFPB doesn't work on individual cases.

[@EverettStClair]

Mine was sent to a collector and I went to pay but realized that date has passed that I was supposed to pay by but I realized they have my name completely wrong so what should I do now? I’ve never been in contact with them but they did send me a letter

[@RWlawFL]

If they’re trying to collect someone else’s debt from you, they are breaking the law.

[@TheMoistYam]

Hello! I sent a letter of verification and disputed the debt. Since then, I haven’t gotten a letter or been contacted by the debt collector in over 3 months. What do I do now?

[@RWlawFL]

We did a whole video on that! kzbin.info/www/bejne/g5zMkmyldp6caZo

[@lowrider5717]

My understanding is someone with first hand knowledge must attest under penalty of perjury the debt is owed??

[@RWlawFL]

Only in court. Not in response to a validation request.

[@mhfcb7215]

Hi . They sent me a collection notice with my first name but using my mothers maiden name not the last name I use for everything do I have to pay them?

[@RWlawFL]

Two things: 1. I hope you enjoyed FCB's victory over Real Madrid this weekend. Força Barça! 2. A collection notice with the wrong name is a red flag that the debt collector has incorrect records and information. If all they're doing is sending you letters int he wrong name, it's unlikely they'll be able to make you pay. If they try to sue you under the wrong name, you'd be able to sue them back. Even with things as they are, I'd like to see the letter they sent you to determine if they're already breaking the law. Can you reach out to us? ricardolaw.com/contact/

[@inklabdesigns]

I just watched another video where someone claims that a response from the debit collector just showing your last statement from your original creditor is not enough since it shows no proof that they actually own my specific debt, and that they would lose in court. He claims he got a bunch of cases thrown out in federal court because of this. Is that false information?

[@RWlawFL]

Someone’s getting confused about the difference between a debt validation response and what they have to show in court. They’re two different things. And if he’s claiming they sued him in federal court, that’s pretty fishy unless he filed bankruptcy. If you share the video with me I’d have a better idea of whether he’s right or just blowing smoke.

[@soulphoenix13]

Excellent and super helpful content. Liked and subscribed! 😀I have a random question to which I can't seem to find a direct answer. If it doesn't trouble you, I'm hoping you could answer...Can a resident of MA be charged 31.9% interest for an unsecured personal loan he/she took out online if the state usury law caps the interest at 23%? The loan would be from an online lender like Upstart or Prosper. Thank you so much!

[@RWlawFL]

Glad you liked! Unfortunately, as a Florida lawyer, I can't tell you what MA law requires or allows. But under federal law, some lenders are allowed to use the usury cap from the state in which they are located, instead of where the borrower sits.

[@soulphoenix13]

@@RWlawFL Thanks so much for responding. I hope you don't mind me asking a follow-up question. What if a debt collection agency/firm like Crown Asset Management, LLC buys that same debt that has an interest rate of 31.9%, can they still legally collect if they're not a national bank or a company that is licensed to and/or allowed to bypass a state's usury cap? Technically, the debt is no longer with the original creditor. I can't find this information anywhere online. Thanks so much!

[@RWlawFL]

I think it's going to depend on the laws of your state and the specific facts of your case.

[@soulphoenix13]

@@RWlawFL Thank you. I did some research on LLCs vs foreign LLCs and how the laws relate to debt collection. I found out one of the debts I've disputed was bought by LVNV Funding, LLC but they are not licensed to operate in my state, and they are not a foreign LLC registered in my state either. I'm hoping this info helps my case. I've filed a complaint with the CFPB and my state's Attorney General explaining the aforementioned. I'm waiting for the results/responses. I just want to thank you personally for making these videos. They pointed me in the right direction and inspired me to fight harder for my rights. Thank you. :)

[@RWlawFL]

I'm glad you're finding them helpful!

[@realmercy]

I live in Virginia, (Virginia Beach) how do I find a lawyer in my state to help me dispute a collection being reported to just one collection bureau?

[@RWlawFL]

Look for “FCRA lawyer Virginia” to start your search.

[@benbooker9114]

How is it I never liked this video until now 🤔……Sorry for the delay 😅. Great info! Still useful! Thank you!

[@RWlawFL]

Better late than never!

[@EnchantedBeauty76]

What if I'm disputing the amount of debt. I can't find info that closely resembles my situation. I rented an apt that they claimed there was damages to a countertop. Now the countertop was not a brand new countertop, it was very old and they charged me for a brand new $1500 countertop. I don't believe I should be paying them for a new countertop even the existing one wasn't new (at keast a 10 year old countertop) how would I dispute the validity of the charges? Ive already guven the original creditor $500 but now I have a $1030 debt reporting on my credit report.

[@RWlawFL]

Your dispute isn't with a debt collector, it's with your landlord. you need to speak with a landlord/tenant lawyer in your state.

[@samanthaheitz7521]

Is there a debt collector template we can use and fill in without paying for services?

[@RWlawFL]

Go here: rwlaw.gumroad.com/l/letters Enter "0" in the "fair price" window and you'll get the sample letters for free.

[@allimckee3533]

I asked for validation from the collection agency regarding my vehicle being towed and never being notified. They sent me all the invoices and a copy of the certified mail that the towing company sent to me. I never received the certified mail or was even notified I had any certified mail so I had no knowledge of all the fees accumulating with the towing agency. Should I dispute this back to the collection agency?

[@RWlawFL]

If your state law says that you don’t owe the debt if you didn’t receive the letter, then that might be a useful way to go.

[@sabrinatai31]

Spring capital oak said they will not reinvestigate. They only send old statements.

[@RWlawFL]

If they've already responded to your dispute with statements, it's time to move to the next step in your process-looking for factual inaccuracy. Check out this email course to learn how: ricardolaw.com/fdcpa-course-sign-up/

[@carmenmirandaaa]

7:48 So wait.... you said they don't have the right to contact OTHER than suing us. Does that mean if they still think the balance is valid even after we've disputed, they can just go straight to lawsuit without warning??

[@RWlawFL]

Yes. But if you're right, you can fight it. If you're not sure, you get to find out through discovery. It's very risky for them to sue you once you've disputed.

[@timothykilpatrick4516]

If you live in a state where the Statue of limitation has run out on the collection of the medical debt but the debt is coming from a state where The Statue of limitations hasn't run out yet are they able to still come after you for the debt?

[@RWlawFL]

There’s no simple answer to that because each state handles that differently.

[@Jowamana]

My son 17 years while in high school wanted to start a company, he needed leads so he got into an agreement that was done online to pay $300 per month for leads he paid January and upon discovering this I called the bank and canceled his card and now they had no way of removing the money this week he received a letter from collections stating he owes $700 and given ten days to respond what to do? Do we dispute?

[@RWlawFL]

If this is debt for a business it probably wouldn’t be covered by any of the consumer laws we talk about on this channel. Your best bet is to talk to a business lawyer who can help you untangle the problem.

[@OasisNile]

Greetings! You mentioned if a dispute letter is sent to the debt collection agency and that agency does not report to the credit reporting agencies the debt has been disputed then debt collection agency is breaking the law. Well if a dispute is done by the alleged debtor online through the credit reporting agencies website, I noticed on one out of the three, credit reporting agencies website, a notice added by that credit reporting agency which stated, "This debt is disputed." Does this mean the debt collection agency does not have to take any action concerning reporting that the debt is disputed since the credit reporting agency added that info? Or does that info pertain to something other than what the debt collection agency has to report?

[@RWlawFL]

If the debt is reported as disputed, the law is satisfied.

[@petethomas8251]

I have issue with a medical debt collector that the original debt was sent to 2 collectors for the same amount $4000, after the original medical client wrote it off…what do I do?

[@RWlawFL]

In addition to the steps you would take with every other debt, which I’ve talked about in multiple locations, you should also investigate your medical bills and your medical records. Under federal law, you have a right to obtain all those records. Once you get your medical records and detailed medical billing, compare them to the debt collection. Make sure that you got all the medical services that you were built for. Make sure that insurance paid for everything it was supposed to. And then, if you find that you were being billed for something you shouldn’t have to pay, that’s where you have leverage.

[@JM-qm9pv]

What if the original debt was never reported to any of the US credit Bureaus, now I have a debt collector saying I owe and that they will report it?

[@RWlawFL]

One has nothing to do with the other. If the debt is valid, the debt collector can truthfully report it for up to seven years from when the debt first went into default.

[@josephcelestine1945]

This is great for Debt Collectors under the FDCPA, how about original creditors under the FCRA?

[@RWlawFL]

This doesn’t apply to original creditors. The FCRA requires you to send your dispute to the CRAs or you have no right to enforce your disputes in court.

[@danisdanis6532]

I sent a validation to MCM, they responded with a couple statements from the original creditor and a notice from the original that the debt was sold to them. What do i do now?

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@victoriajackson275]

I disputed three accounts on Experian and now it’s saying debt buyer. What are my next steps?

[@RWlawFL]

Watch our Debt Collection Battle Plan video.

[@jeffreyrodriguez6273]

Statute of Limitations on Debt? Is it the credit agreement fine print state or the state I’m living in

[@RWlawFL]

In Florida, it could be either. Other states may vary.

[@tokishawnsione1]

What if the dept they're requesting you pay is not on any of your credit reports.. do they have to dismiss the debt in question 🤔

[@RWlawFL]

No. The credit report is not the test for whether or no a debt is owed or valid. It's just a report.

[@thequeenmum8514]

What happens if a collection agency is contacting me about a debt from 11 years ago, that is no longer on my credit? Is this even legal.

[@RWlawFL]

Whether or not this violates the law is going to depend on the exact wording of the letter they sent you. if they are threatening to take action, that is not legal, such as suing you for debt that is beyond the time limit, then they likely have broken the law. If the letter says they can’t see you, but they’re just hoping you voluntarily pay, then they probably haven’t broken the law. In addition to federal law, some states may have additional limits on what debt collectors can do regarding all debt, so if you think a debt collector may be doing something illegal, and you don’t know, it’s best to find out from a lawyer in your state.