What If a Debt Collector Validates Your Debt ❂ Verifies ❂ Validation

What id you dispute a debt with a collector and they send you "proof"?
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What do you do after you dispute a debt and the collector sends you "proof"?
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What If a Debt Collector Validates Your Debt ❂ Verifies ❂ Validation
• What If a Debt Collect...

[@2002erli]

THIS IS A K I C K - A S S V I D E O ! ! ! Thank You!!!

[@HitmanCreditSolutions]

Thanks for your feedback. It made my night!

[@pacland32]

​@@HitmanCreditSolutions Hi I filed a complaint to the CPFB about the excessive calls and lack of proof from the confirmation that Westlake portfolio suppose to give me. Well CPFB closed the dispute even though I have clear proof. What should I do at this point.

[@goodluckdaa9190]

@@HitmanCreditSolutions Please what your email address because your website is not popping up.

[@InHisService772]

It’s insane that the original creditor can write the debt off, receive a tax deduction and then sell that debt to a third party collector for the amount that was written off as bad debt!?!?

[@sandyjones1014]

Should be illegal, (I'm sure it is) but the courts/lawyers are all in on it. $$$$$$$

[@freed6164]

yup and the credit bureau is very well aware of it and still unjustly pin our credit reports with these fictions debts, I heard they in on it but don't know what they get out of it....

[@brirocks]

Actually,the original creditor gets pennies on the dollar from collectors . The reason is the IRS considers the bad debt as an asset. Therefore, the original creditor wants to get the bad debt off their books ASAP.

[@kellyherbeck3618]

I always thank them for paying off my debt. They can no longer report it as a valid debt

[@dragon202006]

What do you mean?

[@dr.jones.3832]

How is that working so far?

[@PhantomXVoice]

I'm confused lol. Can you explain that?

[@freed6164]

Yes I did this on the phone and the collector did not know what to say it was fun!

[@grimthreeper4112]

They not only can but WILL

[@coffee3490]

Yo this video was so genuine and helpful to be outside of the box like that what do wonders for confidence and peace of mind

[@theoteslaa]

Pretty sure this video got my case dismissed, thank you much!

[@MrJoshuat72]

Great Stuff Hitman!!!

[@davidclark3603]

You're absolutely right!

[@homeschoolingmommaDanitza2014]

This is FIRE!

[@evemito]

Thanks so much for this. You're so great and helpful.

[@HitmanCreditSolutions]

Thanks for the feedback!

[@pattielaine2931]

Thank you so much Sir, May God continue to bless you.

[@bennyfromda-bronx6343]

Thank you for this excellent video. I am in the same boat. I told the collection agency the debt is not mine and to prove it. They got a zerox copy of a statement supposedly from the hospital. But no where on it was the collection companies name. I am going to try these instructions layed out on this video. Thank you again.

[@TRSmith-ts7id]

Thank you for this information.

[@333chamaeleon6]

Bad ass brother. Thank you.

[@wadeawilliams]

Thanks for the feedback!

[@eurrainajones844]

Thank you so much for your video it is a big help.

[@jeffreyloradiaz2466]

Thanks, this video really helped me a lot !!

[@irmamoralesrealty101]

This is awesome, thanks for the video!

[@wadeawilliams]

Hope it helps!

[@freed6164]

Wow genius!!!! Thank you so much!!!

[@destincasimiro6984]

Thank you for the video it was insightful...

[@ohhhmaia]

Thank you! Super helpful!

[@HBKAT100]

But if you pay a credit card from your bank account month month?

[@mikemartino3422]

Thank for the advice

[@moiseslerma3695]

thank u sir 4 ur knowledge

[@lucine2295]

Here is the key...ask them to produce the original wet ink signature contract they dont have it...and Never produce it

[@MrFrugalFrank]

Many years ago, I had to many past due debts..Eventually got them to go away using them having to validate the debt.Most really don't have access to that info. Restored my credit and have a couple small debts that will be paid off in a few months..

[@lourdessantiago8195]

Thank you 🙏🏽

[@HitmanCreditSolutions]

You bet!

[@MsJazzy49]

I’m glad I found your channel and I like the information you shared what happens if the debt collector place a collection on your credit report but they never sent you any kind of letter about the debt ?

[@HitmanCreditSolutions]

Send them a debt validation letter. Also, send a dispute to the credit reporting bureaus that are reporting the trade line.

[@lernen.ohne.angst.official2737]

@@HitmanCreditSolutions I 2nd this response. At the very least, dispute through the credit bureau. The debt collection agency by law has to respond to all e-OSCAR requests. Worse case, it could be removed from your credit if the debt cannot be validated.

[@skip123davis]

this is really helpful! i am being sued, and sent an affidavit, filed it with the courthouse, sent it to the law firm via certified. i have not heard back yet, and was wondering what happens next. now i know!

[@Centreofsource]

How did it go!?

[@LunaBobbi]

How did it go?

[@customconnections2425]

🦗🦗🦗

[@freed6164]

I told one of the collectors has I thanked them to pay my medical debt that I was really surprised and blessed by their generous gift but made it clear that I have never agreed verbally or on paper to pay my debt much less to pay them back...they never bothered me after that!

[@SpontaniuzProductions2]

That’s some some advice 💳💯

[@HalfManxHalfAmazing]

Just got a call Wednesday from a collector on a medical bill from 2018. I’m I still following these steps. I’ve never agreed for them to share my information with a collections agency.

[@HitmanCreditSolutions]

Send them a dispute letter and be aggressive. They hate people that are aggressive. They win when they are the alpha.

[@SamplingPercussion]

Hit the collection agency with a CFPB complaint after the first round, if they do not comply with your request. Request to see the un-redacted contract and hit them with an FTC and CFPB again if they refuse to provide and they’ll stop.

[@calliopivogiatzis2235]

I would write a response on that letter that says; 1. I have a hardship and 2. Please forward the bill to a charity or foundation to pay this debt

[@taniacancel7350]

Awesome information million thanks! Please correct me if I’m wrong once I review my credit report and notice any collections I reach out first the credit agency asking them to provide the original contact or if they send me a letter I owe them with no signatures, then I submit these paper work to the credit bureaus and ask them to please remove this collection from my report since I do owe this credit agency. Am I understanding the procedure? I have seen so many video that are getting confused, but your video has been shorter but straight to the point. One last question can use a PO Box as my address or an actual address is required for both credit bureaus and agency?

[@tomashill8520]

Thank you for the information . I am currently challenging a collection agency for a debt written off as bad debt. (storage facility ). As you have said, their validation letter was the original contract and a receipt of charges that states the debt was written off. Contents were sold at auction. Do I mention that the original debt was written off in my response to their validation letter?

[@marksonsamo6019]

I owe my university about 8,000. A collection agency called me and told me I owed the debt, I remember I said I know I did, but to the school, not specifically with the collection agency. My credit history is that I have no credit, never opened a credit card. They haven’t contacted me and it’s been a month since they called.

[@goober698]

That has been written off and I don’t owe the collection agency crap

[@alecmakgoale2517]

Awesome video really appreciate, just a quick one, how to stop paying collectors after already falling in their trap or stalling the sermons. Thanks in advance

[@sarahlockwood8133]

I got sued. I provided an answer to the court at $225 per answer. Never heard from them again. Until two new collectors are claiming the same debt. Looks like they decided I wasn't worth sueing and resold the debt. So here I go again. I'll try the unresponsive letter and see where it goes.

[@ashetc.3649]

Hi how can I enforce what you did by charging them $225 per answer? Is it a law I state?

[@Liam__G]

It's possible to avoid service of the suit, therefore they can't continue with the process/suit. So no judgment either.

[@ambrielldunlap4233]

Hi, I wanted to know if I should send my social security number in the late payment dispute letter(Inclusive of my contact information). or should I leave it out? Also should I include a utility bill and if any, what documents would I have to get Notarized? I hope that you can help. This is my first time disputing things off of my credit report, and I would like to make sure I give the creditors little to no reason, not delete the late payments. Thank you for your videos. They really are helping young adults such as myself get and keep a handle on our credit!

[@lourdessantiago8195]

This is very helpful my situation is that I’ve been disputing a bill that isn’t mine. Someone stole my identity so now I’m still getting this pre collection and I have until tomorrow to resolve. I dispute this too

[@Iamdathinkerevolve]

Hey Mr. Hitman I sent out a validation dispute letter and I received validation on the debt I have documents would like you to take a look at it to find out what are the next steps I need to take on my credit report it’s been charged off and paid in full, but the collections agency is still trying to collect. Really need some guidance on how to handle it

[@nowandthenlanpat2925]

I recived a summons from the Original creditor filed by thier Attorney. The problematic part was the documents had a water mark on them say " Copy " and then in the signature box on the page it was stamped by a computer saying that I signed but no signature was on it. Also it had 2 initial sections but they only had the letters N/A and below that the words " Initials must be present on hard copies " but like I said they weren't there. My Social Security number only had the last four numbers and the same exact thing with the account number. So I asked myself what is wrong with this???

[@naia-gl2nf]

how do you know it was their attorney? I'm trying to figure out if thats what my situation is. they are debt collector and attorney but the lawsuit says that its capitol one thats suing me. confusing.

[@SamplingPercussion]

@@naia-gl2nf You needed to ask for the Chain of Custody of the debt and the Bill of Sale, and a copy of the unredacted contract, and the Certificate of Compliance of the debt. You have a lot of ammo to burn through with all that.

[@user-gc6ul8bf6d]

I need a dispute letter today

[@wadeawilliams]

Just send a letter telling them you dispute the debt. It doesn't need to be more than that. Have your name and account number on it. Send it certified. Keep a copy.

[@lowrider5717]

I got a summons from an attorney representing the credit union with a copy of he note and application

[@audreymay9378]

Protect what’s yours and don’t let the debt collectors rip you off

[@rogerk3304]

Who is ripping who off?

[@MrMr554]

I requested a validation letter and a HIPPA release form from a Debt Collector. In their return letter, they did not provide a breakdown of fees including all collection costs and charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services. So, I filed complaint with Consumer Financial Protection Bureau. Their response to CFPB’s Consumer Complaint was that there is a lien.- CCP 360.5 to extend the statute of limitation of the bill for 4 more years. They refuse to provide ANY documentation with my signature acknowledging the lien. Have you ever heard of this? What do I do? Joe

[@user-sh4tn7iv9f]

Hi Boiler, from your video, it seems that you’re here in Colorado. Wondering if I can call you sometime soon about a debt involving an insurance company over a traffic accident, which no one seems to want to handle?

[@camillie1008]

Hi! I just found your video because I received a debt collection notice (they've covered all their bases in the letter) for a time-barred debt with a credit card company that's 6 years old now. According to my credit report, the credit card company charged off the debt awhile ago. I'm wondering if I should just ignore the letter or respond in one of 2 ways. First, send them a dispute letter requesting validation for proof that I owe the debt collectors OR send them a notarized notice of Conditional Acceptance upon proof that there exists a signed agreement that I owe them?

[@wadeawilliams]

Send a simple debt validation letter.

[@Softball2468lover]

LOOK AT THE STATUE OF LIMITATIONS FOR DEBT IN YOUR STATE. YOU PROBABLY COULD HAVE ALREADY HAD THAT OFF YOUR CREDIT REPORT PER THE FCRA

[@alexismarshall8227]

Thank you for this information. Is there anything that I can add to the response letter when they responded after the requested 30 days?

[@HitmanCreditSolutions]

No. Did they really respond? Usually, they wont even send you anything other than unsigned papers. Think about unsigned papers. They are not proof. No person has validated your account.

[@alexismarshall8227]

@@HitmanCreditSolutions Right. They just sent copies of the past due statements. I’ll respond back with the info from your video. Thank you!

[@naejalisa5883]

Hey! I’m on your website and I seen post from you and some are referring to videos on a “blog”. Where do I find the videos? Can’t find them on the site.

[@wadeawilliams]

Hi Nae! My website is getting redone. Not sure of a go live date. I wish I could blame someone else.... for now, I am only on KZbin. My guess is I will have a website next week.

[@4050322]

This is a none sense the collection agency will only mark the acc as disputed but will still report to the credit agencies and impacts your score.

[@sl2427]

Going through the same ...

[@brandonhenley3647]

What if I don't have a debt on my credit report? Meaning I have no evidence on my credit that I'm in debt for the amount that is said I owe?

[@Dying_Breed.300]

What about medical bill that went into collections is there a ez to get it removed

[@jr4062]

QUESTION: if the debt collector sends you a collection letter with added verbiage on the back of the letter that states you are beyond the statute of limitations but when you contact them, the time is reset, what does all that mean?

[@admin6228]

But if the debt collector is hired on behalf of the creditor and they submit the debt agreement. What happens then? What can you do?

[@HermesGirl]

So I didn't owe money to a former landlord because my damage deposit covered more than the bill. The debt collecter responded with a copy of the bill which showed the damage deposit amount which the landlord wrote VAWA next to then the charges but he did not subtract the deposit. I sent a letter pointing it out, and also pointed out how the Violence Against Women Act does not allow landlords to pocket the damage deposits (and I cited the law) and that all this proved was that the landlord owed me $199. I cited several more laws. And never heard back. Three months later I get notice from equifax my credit was dinged 50 points because of this debt. I am in the process of disputing it with the credit companies... one down two to go .. but thought I'd research a bit first and yours was the first video I have come accross. I didn't think of the signature angle. But if they decided to report and pursue it despite me citing laws that it would be against, I don't think that would have stopped them?

[@erica-ng6vh]

I have medical debt on my credit report. I sent a debt validation letter, they replied with medical procedures I had done. I reported with HHS, and they said they are unable to assist in this matter. Idk what to do at this point?

[@ga3829]

At this point the debt collector sent a statement with no actual proof on how this debt is mine. All it shows is a balance and late fees charged. What do i do in this case. Do i contact them and dispute or go straight to the credit bureau and try and dispute with them?

[@SteveLohbeck]

i need a hitman

[@tendajiakili7136]

I was in Utah and I took out a loan with Lift Credit, payments got misunderstood and I thought it was paid off but I still owed $250, this was in 2014. They waited several years for the interest to rack up and then sold the debt to NAR in provo Utah. This debt is over 7 years old at this point and should not be on my credit but NAR is reporting a late payment starting in 2021 when they bought the debt, not when I defaulted on the original. I have disputed through experian and they just accept the bill from NAR as fact. I have tried to get a statement from Lift Credit but they refuse to work with me. What the heck can I do?

[@HitmanCreditSolutions]

You have probably figured this out, but this is a crooked system that doesn't give a F about you, the laws or common sense. That said... If I were you, I would consider two paths. I would consider filing a complaint with the Consumer Financial Protection Bureau. I have mixed perceptions of them. They used to actually do their job. I think bureaucracy and politics caught up with them and now they are not as effective. I would also consider filing an FCRA lawsuit against NAR. They are clearly violating this law. This will cost you ~$500 but you will get that back in settlement. This is a tall task if you haven't prepared yourself. It is absolutely do-able. Or do both!

[@maggiemmoore]

@@HitmanCreditSolutions CFPB are worthless and even dangerous to your financial worth. They wrote a nasty letter to my bank who had actually helped me through my Identity Theft.

[@soundmixer6324]

@@HitmanCreditSolutions Are U still Around?

[@maggiejimenez3468]

What do you do if you live in a state (FL) where an electronic signature is valid?

[@wadeawilliams]

Challenge it like a physical signature. Let them prove it. Make sure you are disputing more than the signature. There are all kinds of things to dispute.

[@theopiluslowe2213]

What happens after I set up a payment plan and then stopped. I already restarted the clock with 2 or three collection agencies. What can I do?

[@HitmanCreditSolutions]

Sorry, you admitted the debt by your agreement. You admitted that you owed a third party money when you made the agreement and doubled down by paying them. Don't do that again.

[@nicolegraves8261]

Thank you for the info!! I just have a question I received a court date to attend for a collection agency that was filed in Sept 2021 and my court date is in May 2022. According to the paperwork from court the alleged debt was last paid in March 2016 which means when I attend court in May 2022 it would be over the statue of limitation 6 years. So would the statue of limitations be honored or would they go by the court filed date?

[@wadeawilliams]

What you are saying makes sense. I can't answer the question because these are state laws. Look at your state laws. You may need to hire a lawyer to write a motion to dismiss. Make sure you wait until the Statute of limitations are over to file. I hate lawyers, but the document shouldn't cost you much. In my experience, in local courts, filings from non-lawyers (pro-se) are scoffed at.

[@nicolegraves8261]

@@wadeawilliams Thank you!

[@wadeawilliams]

@@nicolegraves8261 Anytime my friend!

[@orangindonesiatinggaldiame6420]

@@wadeawilliams can you help me . Debt collector sent me mail and I would like to mail them back but do not have a sample of template

[@sandyjones1014]

I think the date they served you beat the 6 year mark.

[@justinpierre3793]

How do I join your debt credit resistance. Is it still possible to use the letter and where can I access it.

[@deboral6989]

Thank you. Hospital bill in collections. If correct, the hospital had a clause put in to allow release of private hippa info to be released to a third party collector. They sent me an FULLY ITEMIZED STATEMENT. BUT NEVER RESPONDED TO MY REQUEST YO VERIFY I HAVE A DEBT WITH THEM. The itemized statement shows close to $2k in double charges on the bill. How do I fix this please....

[@Droppingemz]

hey how did this go for you i have hospital bill collection as well

[@adamcalafut3535]

I did both steps. Sent my dispute letter. They sent documentation with information. Then i sent my 2nd letter that you described here in this video. What should i expect after that from the collection agency? They haven't called or sent me a letter in 3 months since i sent my 2nd letter.

[@HitmanCreditSolutions]

They may go radio silent. Are they on your credit reports?

[@adamcalafut3535]

@@HitmanCreditSolutions No its not on my credit report. Any experience with some1 sending 2nd letter and not hearing back for a bit? What do you mean by radio silent? This temporary?

[@HitmanCreditSolutions]

@@adamcalafut3535 Why do you care if it is not on your credit report and they are not suing you? If you have disputed the debt, that is all you need to do. Dispute anything they send you going forward.

[@adamcalafut3535]

@@HitmanCreditSolutions Thank you for your time and replying.

[@maryshellsmith6627]

I have this situation with medical debt, but it hasn’t been reported to the credit agencies. I want to not pay, and send all these letters, but I’m concerned they will report it to collections. What do you think?

[@cynthiamitchell4472]

I was sued and the man read off the paper my name etc.i told the judge i didnt sign anything with them went to court twice judge sided with them now I have to pay

[@jessemarkham1164]

I asked for verification of 3 debts with the same debt collector, all they responded with was a form letter with a rubber stamp thats says its verified and owing. However they haven't sent any verification and the letter was only for 1debt and states it is now there debt and i no longer owe the original creditor. The original creditor also put it on my credit report that it was charged off. How should i proceed to get these issues taken care of?

[@farmer8102]

a LAWFUL contract must have both parties signatures in wet ink. Even if they have a contract with just your signature it's not a LAWFUL contract.

[@ilovealex2208]

Can I get a sample letter to send? I received a letter and all the creditors sent of "proof" was a statement. No signatures nothing.

[@tandy101]

What if I got a letter with my signature? And I gave them 30 days and they sent the response later than the 30 days

[@beeha8133]

What if they send a statement of the amount from the credit card company owed but not the original document with signatures. Is this still proof?

[@HitmanCreditSolutions]

No.

[@goodintentions8714]

How many letters until you file with CFPB? I didn't get any documents I requested it's literally say this account was received in our office and the remaining balance is this like how does this validate anything

[@jkruse08]

I just received"debt verification" from a debt collector which is essentially a print out of a medical debt that reads account balance is zero. They failed to provide my signature saying I was financially responsible for these services or anything else I requested. How do I respond to this?

[@HitmanCreditSolutions]

Consider telling them they were not responsive to your demands. Why tell them how to cure the issue? Let their lawyers tell them how to fix issues. You dont work for them. If they are causing you credit issues, consider filing a FDCPA lawsuit in federal court. State and local courts never give you justice. The "judges" their are just cashiers in an ugly dress. Just simply tell them they were not responsive to your demands. Don't say in two words what you could have said in one.

[@diverse-treasures]

HELP! What do you do if the ORIGINAL CREDIT ISSUER validates the debt (hasn't gone to collections yet?) They provided me with a copy of an electronic signature (it doesn't even look my signature). The debt will be two years old in July and is the only derrogatory tradeline on my report. Do I have any options at this point?

[@PhantomXVoice]

Amsher collections sent me a validation of my debt from CITI bank that i owe over $600 and they sent me bank statement and my signature on an original document. Im trying to fix my credit and I sent my verification letter first, and I get this as a response...which i wasnt expecting. What should i do? Thanks!

[@liberated_andblack959]

Looking at my credit report that I bought. I seen the debt collector has different "date opened" is that a way that I can dispute the error? Private loan collectors are tough.

[@HitmanCreditSolutions]

Absolutely dispute it. Their logic is probably that the collector's account and the original account are two different accounts. I would dispute both.

[@j.a.3138]

I have the same issue with LVNV Fundings. The original creditor was credit one. My account was transferred to 3 other collection companies. I sent a validation letter to LVNV and received a package of all my bill statements with credit one printed on them, from Mandarich Law Group. They also sent me the transfer and assignment, bill of right, etc with each signature of collectors. What to do next?

[@HitmanCreditSolutions]

You can't believe what they send you. You cant take it hook line and sinker. You have to challenge it. Who says it is validation? Is there a person that says so? If no person signs it, it is hearsay. Reply back telling them they have been unresponsive to your demands for validation.

[@j.a.3138]

@@HitmanCreditSolutions Thanks! Will send them a letter tomorrow

[@truman8527]

@@j.a.3138 keep us posted on what their reply is please! I’m having a similar issue with them as well.

[@mcbaby1520]

@@j.a.3138 Any updates.?

[@eileenlastra6087]

I went to court and after i claimed that the account, the debt was not mine. After sending them a debt validation letter the collectors sent me statements with my mame and address on them. I followed up by asking them to verify this account by sending me the list of debtors where my name appeared and the line where my name appeared. They never did. When i returned to court i told the judge they stll hadn't validated the debt. The debtor discontinued the debt and an order with prejudice was issued. But when i looked on kredit karma they had reported the debt as still owing and it reduced my credit by 23 points. What can i do to remove this.

[@HitmanCreditSolutions]

What court were you in? If you were in a county or state court, you are in trouble. I have never seen a local court care whether there was a debt or not. The court wont validate anything except your payment options.. In fact, they only care about you paying. They are not fair and certainly don't care about you. They will say you have rights, but will not enforce your rights. If you walked into their courtroom, you screwed yourself. In my estimation, a 99% chance you will lose. You need to be in federal court. That is the only place in America that you will get justice. Once you appear in a local court, you will not be able to file in federal court. Once you have a judgement against you in local court, you cannot go to federal court usually. (look up res judicata) If you are already in the local "Kangaroo" court, you need to consider this your cost of education. You will learn that there is little justice in America. Cut your losses. Next time, file a federal lawsuit before your local court date. Federal is a higher court. The motion the local court for an Extension of Time until the federal court case is settled. Most of the time, if you file a federal case against a debt collector, they will settle. They will send you a check and zero out the debt. I have done this about 50 times. I had a lot of checks coming in. Don't let this happen to you again.

[@Spiritualthoughtsforyou]

My question is why does it matter how it connects to the debt collector ? From my understanding they bought the debt ,didn’t they ? Even though the paper work doesn’t say they did or have their companies name , the debt is bought isn’t it ?

[@HitmanCreditSolutions]

In every sale, there is a buyer and seller. When a creditor sells the debt to a third party debt collector, this is true, right? Lets call this the "transaction". In the above super simple example, where are you in this transaction? You are not. You are not a party to this transaction. Why are you bound to a transaction you are not a party to? Most people say they are a party to the transaction and agree to make payments or something. They screw themselves. Stop being a party to something you are not involved in. Also of note: if you ask for proof of this transaction in court, the debt collector will not show you or the judge. They dont want anybody to know how little they have invested in their claim to your money.

[@joyceroach9451]

Hi, a medical collection show up on my credit report with 2 of the 3 Bureaus I disputed them both one of the Bureaus have completely deleted the debt and the other hasn't, I received a statement from the Bureau who didn't bother to delete the debt stating they have verified the debt is mine however they did not do what I ask and that is sending proof ..where do I go from here?

[@superjam18]

Did you find out what to do,? Im expecting a response in the mail to my debt validation letter today

[@ashfox4637]

The collector in my case is a resolution service, and they know the HIPPA laws. I think they are a middleman for the hospital. In this case, if the original creditor validates my debt, what do i do? Negotiate? Thanks!

[@davidfaxon3336]

See what they sent to validate the debt. If it's a hospital bill that you owed see if they sent any medical information such as medical procedures. That's a violation of the Hippa and Hitech acts

[@tswpholla]

Great vid and info! I'm currently being sued by my late grandmother's mortgage co. Im currently responding to Summary, and a hearing is set, is it too late to send letter 609? I'm in PA

[@HitmanCreditSolutions]

My guess is it is too late. My guess is you are in county court, not federal.

[@tswpholla]

@@HitmanCreditSolutions correct, of common pleas. I have noticed, a few incorrect company addresses and names of the debt collector that I hope to point out during hearing. Thank you for the response

[@OMagnify]

Interesting. Read this situation ...current scores are over 750. The only negative bad debt are 6 Navient private loans in derogatory-charge off status. Opened between 2006-2008. Last payment dat 2012. Last activity date 2016. Only reporting on TU. Statute of limitations in VA is 5 years. Its now 9 years from last payment date. There is a cease and desist order in place from 2015 (from a previous lawyer group) I didnt know it was still active. In order to get pre-approval for a home loan...what should I do? Do I write letters for removal or call/write Navient to ask them to remove it? Will I loose major point if they are removed and my history is gone?

[@HitmanCreditSolutions]

If your score is 750, it may not matter. I have a lot of mortgages. You may just need to find the right lender. Going to a bank is more likely not to work for you. Try a private mortgage broker. If you are using a Realtor, they can likely point you in the right direction. If you dont have a realtor, you will just have to do a little research. I would try to let the issues naturally fall off your credit report. Statute of limitations in states usually refers to how long they can sue you, not the length of time they can report. The length of time they can report is in the FCRA; a federal law. A good mortgage broker will be able to get you a home loan.

[@OMagnify]

@@HitmanCreditSolutions Thank sooooo much!!!!!

[@OMagnify]

@@HitmanCreditSolutions Okay so I just spoke to a lender who shared that I will still be unable to get a morgage with those old student loan charge offs. Be said even if I wait until they "fall off" it still wouldn't make a difference. I need to call Navient to open those accounts and bring them current. Thats something I wont do cuz there is no assistance with private loans and those crooks at Navient ballooned all those loans. Thanks for your suggestion.

[@HitmanCreditSolutions]

@@OMagnify Why only one lender? If you spoke to an average lender they cant do it and cant think outside of anything resembling a box. If you give up, you wont get anywhere. Chase cant help you. US Bank wont help you... Try 15 mortgage brokers before you give up.

[@teresitacerrillo2230]

Yes hi I have a student loan for 15 years how do get off my credit report its awful this is still in my credit report

[@sonianerat5849]

What if on one of the papers they sent back says that the debt was sold to the debt collector?

[@adriennemilledge1085]

This was the first time I was able to remove a collections account WITHOUT being able to do the pay for delete method. This is my question, I know that I owe this it really not much so I don’t have a problem paying it but do I need to pay the original company so it doesn’t get sold to a different collections company ?

[@LaserFocused]

A lot of times the original creditor won't take payment after they write off the debt. It is worth a phone call. I would also send the collector a debt validation letter ASAP.

[@HitmanCreditSolutions]

What laser focused just said is the right answer.

[@adriennemilledge1085]

@@HitmanCreditSolutions I don’t know if my response is confusing but I already sent my verification later and disrupted it the collections company already removed it what I’m asking is do I need to worry about the debt being resold and it being back on my credit

[@HitmanCreditSolutions]

@@adriennemilledge1085 You never know what will happen. The collectors will do what optimizes their return on their investment with no regard for ethics or law. If it happens, you start over, unfortunately. That is why I sue them. That is the only sure way to win.

[@MadmoneyJero]

First I want to thank you for helping ordinary folks like me. I recently sent a validation letter to a collection agency on my credit report and they responded with unverified pieces of papers which shows no signatures, wrong amount and wrong creditor from what I requested. Fist, do I request they delete the account which I initially requested validation on? Or do I demand validation for a second time?. It's like they attempted to validate an account I have never seen before but not the account I requested validation on. How do I approach this one. I'm like you, I will go the length to prove these thieves wrong. I have defended myself in a court before and worn.

[@HitmanCreditSolutions]

Reply that they were not responsive to your original demands. If they don't then go away, send them a notice of intent to sue. Email me if you end up needing that letter.

[@bkmarine1]

With that information that you sent or rather received back, can't you also send that information to the three credit bureaus and ask for them to delete information from your report?

[@orangindonesiatinggaldiame6420]

@@HitmanCreditSolutions how to contact you

[@inklabdesigns]

Has anyone done this with MCM and got them to drop the claim? These guys are aggressive and sue for even under $1,000 and so far I haven’t seen anyone anywhere on the internet mention that they were able to get the case dropped.

[@Reyvil777]

I just got notice from a collections agency saying i have debt with an apartment complex i used to live at, i submitted the move out notice in time but they never closed my file on the system so it continued open for 2 more months even though I contacted them and multiple time talked about this. Now the collector is reaching out. In the system they had my move out notice but now i don't have a way of retrieving such notice, what should I do? I'm planning on submitting the validation letter first

[@HitmanCreditSolutions]

The validation letter is a must. It seems to me that collectors will never listen to a situation and stop coming after you. Treat them like any other debt collector.

[@Reyvil777]

@@HitmanCreditSolutions thanks a lot I'll definitely do that this week

[@mocohen5492]

what if they send me my lease agreement between me and the owner of the apartment and now a third party collection agency is collecting on a debt

[@wadeawilliams]

The lease agreement was between you and the landlord. The debt collector just inserted themselves into the situation. What contract do you have with the debt collector? None. How do you owe a non-party to an agreement money? Only if you agree.

[@perryman2010]

What if I sent in a verification letter and they sent back just the original contract and what I owe can I still proceed with disputing and asking them to remove the debt?

[@jasdun1272]

Same thing just happened to me! I'm following this question for answers.

[@chanelchanel3228]

Also if the collection agency is in my area can I just take the letter to them directly?

[@wadeawilliams]

I wouldn't. You make a gap in the paper trail. Have the delivery confirmation from the post office is amazingly powerful.

[@Goalrushmedia]

Hello, i had some ambulance debt collection, they sent me back a statement with the original company letterhead...what should i do?

[@wadeawilliams]

I can make a letterhead. I would send the collector a dispute letter.

[@TashaudBullock]

What do you do when the collector Send you back A statement. No contracts no sign contracts. Just a statement of charges and payments. With my name and how much I supposedly own them?

[@HitmanCreditSolutions]

Tell them they weren't responsive to your demands. What they sent you was a piece of paper, you asked for legal verification. Tell them what they sent you was hearsay, at best. I always refer to it as the piece of paper. Just to be a smarta$$. But it really is just a picee of paper until *you* admit otherwise or they have a witness.

[@baywilliam7095]

That is helpful. What if the original creditor assigned the bill collector in writing?

[@HitmanCreditSolutions]

Not sure what you mean. Did anybody sign anything they sent you? If not, it is just paper with toner on it. Don't let them assert authority to an unidentified person. It really is just paper until they have a specific person sign it or swear to it under oath

[@houstonhomesandliving157]

@@HitmanCreditSolutions they sent me a letter saying they sold thr debt to the debt collector along with a print out of a statement from the last statement the original creditor has on file

[@LaserFocused]

@@houstonhomesandliving157 Did you reply back to them that it wasn't their debt to sell? I am kinda being a smart azz. I would just hold on to the info that they sold your debt. It will be important if they are still on your credit report.

[@pam2sweet318]

NONE OF YOUR SITES ARE AVAILABLE I TRYED YOUR FACE BOOK COULDN'T FIND IT BECAUSE IT'S UNAVAILABLE, WOULD LIKE TO LEARN MORE ABOUT THIS DEBT COLLECTION

[@123dogone]

i have a couple credit card companies trying to sue me in court, what are the basic questons i need to ask

[@243monpaysheart-gachette-f5]

Bank of America sent my debt to the Credit collection.The credit collection send me a 30dsys notice (after that we will go to court) what should I do? I’m ready to pay off the money but I want to be done properly and remove it from my report. Please help

[@HitmanCreditSolutions]

Send a debt dispute letter. That will maintain your rights and perhaps scare them off.

[@millicentallen81]

Thank you for this video. Is there anything different that needs to be done if instead of a debt collector it's a law firm? I was just sent a application with my signature and a past due statement from this firm in response to my letter.

[@HitmanCreditSolutions]

No difference. Don't put them on a pedestal because their daddy sent them to law school.

[@millicentallen81]

@@HitmanCreditSolutions Lol, Thanks!