NEVER EVER PAY COLLECTIONS! 

l have IVA for the last 2 years , could you give an advice how to start

Sup homie!?

Hey man. I forgot to say thank you😢. You saved my ass from paying an outrageous PayPal debt bs attempt in 2018. I responded with a letter and next thing I knew the shit was gone from my PayPal account and the collection company NEVER contacted me again. ❤1LOVE HERMANO

Not answering the phone doesn't get rid of the problem. Some time ago I saw a $40 collections on my credit and I never received a call from the agency. It was for a bill that I had no idea of from a doctor At least 4 years old

unless you're looking for a job. :(

Horkslair, actually you should answer the phone. It is how you adress the caller that will determine the outcome. Receiving a call from a number that you don't recognize should result in you not confirming your identity, that includes your address or confirming the last four digits of your ssn if they rattle it off. The caller only suspects that they have the correct # and person they are trying to reach. They will always state "this is an attempt to collect a debt". Responses to these calls, whether they are legit or not, should be limited to something like, "I'm sorry, but I do not confirm personal information over the phone, if you feel that you have the correct person you will need to mail a bill to the address that you have on file, please do not call this number again. Thank you". That will deter most from anything further. For the ones that claim that you will be served, sued or arrested, that is considered a threat, send them a cease and desist letter via certified mail and file a complaint with your state attorney general's office.

Rule number two: "Never get out of the boat."

Horkslair. That is PRECISELY what I do. I DON'T answer the phone. I also block the number. If they use another number, I block that too. Once, someone thought they were being clever and texted me, asking if I was so and so. Like I would fall for that!! Hahahahaha!

Unknown Person LOL!!!! Did I upset you with my comment? Do you need a hug buddy?

Jeffrey Fuentes He had a bad day, girlfriend dumped him for his narcissistic personality. His hair pin triggered Conniption fit launched ian assumption complete with waving arms like those air blower filled roadside attention grabbing characters. No one one takes a loan intending on not paying it at all, as that is called fraud and people have gotten jail time for it. Plus banks are allowed by law to loan out 8-17 times of what they get in, thereby creating money out of thin air. So guy named “Unknown Person” it is going to be ok

Unknown person, debt is not always due to money that was borrowed. A friend of mine had an ambulance bill that came after his Medicare time frame for paying was up. He then tried to find out how much his health care from that year would cover and found out that the healthcare company he had then folded and people were filing grievances because they hadn't paid their medical bills. Medicare would have covered it 100%, but the company didn't bill anyone until it was too late to get it covered. $650.00 and he is on social security.

@@unknownperson2422 Listen man, Jeffrey Fuentes was not talking about stiffing anyone, he appreciated the information so he wouldn't get ripped off by Collection Agencies...how could you not understand that, you moron?

@@unknownperson2422 I bet your a collection agency worker who's asshurt over this video.....get a life👏🏼

Maaaan smh

How long did it take for you to get to a 800 from a 540?

@@kathleenmaldonado5726 Mine was 3 weeks

THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG

THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG

THIS IDIOT CREDIT BACK DOOR IS. REALLY SCAMMING PEOPLE OUT HERE OMG

Loved your comment

Hi sassy, medical Bill's can also be paid by an anonymous donations person,but you'll need to ask the hospital to put you in that list..its free for you and a tax write off for the donater.

The hospital bills FRAUDULENT amounts, and that is the problem...

@@hiteshwadhwa123 I'm with you. My Bill's were sky high too.

Move to Canada then US is rough if you in big city, American dream is to keep you in debt, which is why I want to move a small state

I love and needed this.

All judges are Freemasons and Shriners. They've helped their cult brothers through the centuries to the point of monopolizing most industries. Finance companies are going to be owned by members of freemasonic secret societies, so they are still just doing each other favors while enslaving everyone else. This slavery has been going on in this land since the first light skinned people came with the Virginia Company. Police and sheriffs departments are filled with Freemasons, so more laws, more criminals, more guilty verdicts=job security and bonuses for all with new flashy cop cars. The lawyers and judges are all BAR members which originates in London, Esquires of the crown, protecting the masons/knights/cops in the modern day battlefield of the courtrooms. Traitors to our republics, with the help of their communist allies from Germany and abroad, invaded our soveriegn republics, replacing inalienable rights for the mob rule of democracy by zombies.

Before I'm attacked about the Shriners, why is it that all these billion dollar hospitals and charity centers people are donating to are keeping quiet about natural substances that destroy cancer and MRSA like nigella sativa (black Caraway) seed oil? All your "medicine" are toxins derived from crude oil or Stephan Co, who is the only one the DEA allows to import coca leaves. A nice state-protected drug Monopoly. The doctors killed my grandpa by giving him MRSA during an unnecessary procedure while this healing plant was kept secret from all of us by these demons. It will be made illegal next.

What was the reason you got into credit card debt? Did you have a catastrophic event to deal with?

Panther God Yep....Best thing to do is contact the creditor directly and set up a payment plan because this will follow you around like a shadow...The more you avoid them the worse your FICO score gets...

Thanks for this.

@@chrisg2281 You are the racist here, idiot!

Titika Hill my pleasure ... I care about people

How bout be responsible and pay what you owe?

Mark Creasy Yes, I sincerely agree with responsibility, and not just for the applicant but also the lenders. I have worked for several different financial institutions, and each lender had different underwriting guidelines. I did not work for any predatory lenders, but am aware that they do exist. They overextend credit, knowing some of these high risk loans will go delinquent or be charged off. We saw proof of this with the crash of the real estate market. The banks then went to the government with “we are too big to fail.” Rather than take the losses for their high risk loans, they made the tax payer bail them out. The taxpayer is now paying the loss. To be fair, some people will have life altering events that will make it hard for them to repay debt; i. e loss of a job, serious illness, etc. Not all people who have bad credit are irresponsible. Some have just fallen on hard times.

Mee too 🙏

HOW TO BE A DEADBEAT AND GET AWAY WITH IT

You realiE you're still not going to be getting any sort of loan for the next 7 years though right? 😂

@@spencerislegit 7 years go by fast

@@WhyRU-vidWhy so you'd rather get away with not paying your maybe couple grand in credit card debt to waste 7 years of your life? Wow I can't imagine how miserable it is to be you

Yupyup

It's nice to stack up your money until you get a judgement on your credit report and then they can go for garnishment. Good luck with that thought.

That's because these people literally are broke😂 they're stacking them welfare checks😂

@James Maynard 👌😄😄😄😄😄

THE BEST PART IS HOW YOU PEOPLE TAKE MONEY AND GOODS FROM BANKS AND SAY "" THEY'RE NOT GONNA TAKE "MY MONEY" "" LOLOLOLOLOL

I will Call you on May 14 2025

Redayvn Hughley my sister has Lupus so I feel you 1000%! Stay strong queen, less stress. The best!

Dawn Murphy Hello guys I got $10,000 in my credit card from @hacker_rodney1 on instagram he loads all USA and Canada banks

It's very nice of you to offer your support and insight to others. You will never know that these words saved someone's life.

Dirk Diggler. people’s lives are worth much more than money. Lenders get a tax right off for the loss, so let’s put it all in proper prospective. I had a neighbor that was $60k in credit card debt. She did not get there alone. The lenders helped her aquire that amount of debt.

Dirk Diggler and thank you for your kind words I am all too happy to help

Dawn Murphy ,Thank you!

Brian D Nice comment!! 🇨🇦

Brian D sir you should also research using your birth certificate to pay debt. and ive also found that foreclosures are unconstitutional. the bank is committing fraud when they foreclose on a property....its a little too much info to get into but im sure you will be as fascinated to learn about this info as i was. the real america, land of the free still exists, its just being hidden under fraudulent agencies and statutes. the irs is another one.....completely 100% fraudulent. and dont take my word for it, take the word of ex irs employees who figured it out and are now out to expose. i think this is one of the most important concerns we face today in terms of keeping tyranny at bay because we are completely brainwashed to not even question these things....all to maintain the illusion of control. even the judicial system is unconstitutional since it became a corporation ran by the bar association (which is a skull and bones organization. making it, at the very least, a conflict of interest if all employees of the court (including your own lawyer amd the judge) work for the very corporation that wants to enslave the society they are suppose to uphold.)

Brian D watch a video called "irwin schiffs secrets to living an income tax free life" ......i am honestly amazed this video has not been banned yet!

Keeping It Real With Credit so if I paid money to a student loan debt collector I already admitted to the debt and in no way is reversible?

David Rodriguez yes

Herbert Hutchinson so true. People are just rabid these days for no good reason

So what happens if say you make a payment then stop paying on the agreed term from the collection agency?

Movie Jimmy 777 ...hi there...I work for a collection agency. I can tell you with 100% certainty that the majority what is said in this video is incorrect. If someone accrues a debt from a signed contract, it cannot be sent to a collection agency unless said contract shows that it will be sent to one if it goes unpaid. Also, telling an agency your name doesn't equal admitting to owing a debt...signing said contract and not paying it equals owing a debt. If a bill is unpaid and fees are added, those fees are from the original creditor, not the collection agencies because...the agencies don't own the debts, they service them for debt buyers(unless they have in house collection departments). It clearly states in the contracts people sign that this will happen. As for credit reporting...it is not the goal of the agency to damage a person's credit, it is to collect the debt, therefore it would make ZERO sense to continue reporting on someone's credit if it is paid. Any agency can remove a charge off someone's credit, but it is up to the agency. Why they wouldn't...that I can't tell you...but, it would behoove them to do so. As for settlements, that is up to the debt buyer. It's not actually based off the age of the charge, but is based off the number of agencies who have had it in the past (and every debt buyer chooses the settlement amounts or if they eant to settle at all as there are no laws that say bills sent to collections have to have settlements on them). So, if it's the first agency, it could be 10% off, if it's the 4th or 5th, it may be 50-60% off...never really know until it's in collections whether there will be anything given off or how much is allowed until the file is loaded. Thanks for your time! Have a good one.

R Goods can you email me at arturobarus@gmail.com please. I would like to ask you a few questions.

Bill Faulkner Amen

KEEPING IT REAL WITH CREDIT THANK YOU!! That is a very nice gesture and you've helped me more than you know already. I will keep your info and I may indeed impose on your expertise again! Your knowledge is invaluable. THANK YOU AGAIN!

koolmanlou. I tried that BEFORE a problem started. My husband died and his income stopped immediately. I paid as long as I could and eventually became delinquent. I will never hold a CC again. When my husband died I was short on burying him by $200 and asked for an up in my credit for that amount. The account was never delinquent and I hadn't ever asked for a bump in the 5 years I had the card. They have no heart and I won't give them another $$.

Or from people who know he's wrong. No one can reset your original default date which is when the 7 years start and all new scoring models count paid collections as positives. Ignore medical bill collections since no one really counts those and also ignore collections where your original default date is more than 5yrs old as they dont hurt either. Source: i worked at transunion. Both collection companies AND credit repair companies are scams that consumers need to avoid.

+R Goods Is it true you could go to jail if you don't pay ur credit card debt?I heard if you have a court order for bad credit and don't show up to court that they can lock you up.And still lock you up regardless.Is that true?

Jonathan Villalobos if your being sued you need to show up, if you have been served and are aware of the court date. If you just don't show then yes you can go to jail and lose the case as well. But apart from that there is no way a person can go to jail for not paying his bills. The only exception would be if you defrauded the credit agency and used false information to get the credit. Then yes they can charge you and you could go to prison. But if its legit, if Chase wants to give you a credit card with a 5G limit and you go out and charge it to the max and then don't pay....there is no way you can go to jail for that. Good Luck

+Herbert Hutchinson Thanks for the advice Herbert!

For credit Card debt, no, they are not going to send you to jail if you do not show in court. What will happen is that the company who owns the credit card debt will get a no contest default judgment because you where not there to defend yourself in court. The only debts that can get you put in jail are ones that are the result of fraud or a Tax liability or child support. A credit card that was legally obtained by you and simply not paid will NOT land you in jail even if you do not go to court.

+Don Ixion Thank you for the advice Don.

Yolanda Summers How do you create an LLC? I looked it up and you have to have a business and go through alot.

It's really simple to create an LLC. Google your secretary of state's home page and it should have information on how to file. Every state has a different price that they charge to do the paperwork. Some states allow you to file online. Other states may want you to print out an application and mail it in. The application is really simple. They want the name of your business, who owns the business and the name of a registered agent. The registered agent could be anyone in the state. Even your mom, your best friend, anyone. The registered agent is simply a person within the state that can accept a subpoena for you if the business is ever sued. All businesses have to have one on file in every state. Once you get the LLC they will send you a Certificate called 'Articles of Incorporation' that shows you are incorporated within the state to start the business. In Mississippi, it takes about 20 minutes to file an LLC and the cost is only $50.00. You get emailed your certificate. Then you go to the IRS site and get an EIN number. That's all you need. The articles of incorporation paperwork with the state and the EIN number from the IRS. The entire process can take less than one day. Most states and the IRS issue all the paperwork and tax numbers you need immediately online. There is little waiting. In 'most states'.

Yolanda Summers , you said NEVER pay a bill from your account. Which account? the LLC account or personal account?

Yolanda Summers wow! keep dropping this good game its important I heard somewhere that you got to learn to play the game to succeed and then learn to play it just as good or better then any one else u need to have your own channel cuz this is good game

You cannot pay personal bills directly from your business account using the an electronic transfer but if you wanted to shield personal funds in a business account (to keep them protected from creditors looking to garnish your personal bank account) and pull them out when you needed them in cash to pay your bills no one would ever know. The business account takes on an entirely new identity under the law. Separate from you. It becomes almost like a person. It's difficult to explain. But I was referring to people who are paying bills using their personal account. The companies love having checking and routing numbers for a reason. This is because a creditor can send through your account what is known as a 'Universal Draft' which allows them to deduct whatever funds you have in there to cover what you owe. My bank representative (from Bank of America) told me this. So let's say you have been paying your car note using your checking account and routing number and you fall behind. You have to pay rent. Well.. the car finance company can legally send a draft through your account, without your permission, to try and collect whatever funds you have in there to cover your past due delinquency. Some don't do this. Others will do this. Legally they CAN do this. So never give your checking or routing number. Ever. They keep this information even when telling you they do not.

Anthony Guarnieri soo are you saying I can stop paying my mortgage?

Neo Klyptic uhhhhhhh im pretty sure no he is talking about COLLECTION accounts num num

Lol

It checks out

He is correct about that....

Rob Solo how did you that I got medical bills out the ass

it's easy to get medical bills that high. people can't always afford health insurance.

I've wiped several medical bills from my credit report. Legally they can't verify your debt because of HIPPA laws. The only way they can verify the debt is if they have you sign a HIPPA waiver so don't sign things blindly.

First of all this only applies if you haven't paid anything to the collections agency nor confirmed to them over the phone or in writing that you owe that debt. If you've done any of those things then you should probably get a financial adviser. Otherwise you simply go request your report from the website "Annual Credit Report". You can request it for free once a year and that website is 100% safe because it's controlled by the US government. You are gonna need to request your credit report from all 3 credit report companies: Equifax, Experian, and Trans Union. Medical debt usually appears on your credit report 4-5 months after you were sent your first collections letter. It will take 2-10 days for them to send you your credit report to your house. Look at it and look for anything related to your medical debt. Then you write a separate letter to each credit report company asking to verify those reports. Some of your debts will appear on only 1 credit report company and some will appear on 2 or 3 of them so pay close attention and write each one a separate letter based on your credit report. After you send your letter it will take 1-8 weeks for them to respond. They will either say that they could not verify the debt or that they could. If they said that they could not verify it write them another letter asking them to remove the debt that is not verifiable. If they say they could verify them ask them for verification paperwork/proof. If the hospital/doctor/credit agency provided anything related to your medical record then you need a lawyer to start a lawsuit for violating HIPPA laws. Most people wipe their entire debts when they sue the hospital/collections company as a settlement. Also, please be aware that just because you remove your medical debt from your credit report does not mean that you don't owe it anymore. If the hospital wants to they can still sue you. Although if you can't afford to pay it you'll be fine, the judge usually forgives most/all debt if you can't pay it.

Rob Solo. I have $40,000 in debt. How do I contest it on Credit Karma??

if ya stopped spending money for a fake face you might be able to pay your fucking bills. Fucking kids these days expect everything for nothing.

Bonniville Black Cherry wow, you're a nasty person. If you must know that is my real face, all natural. I have a career, three kids and i freelance as a model. My son had minor surgery on his thumb and due a discrepancy with insurance billing i was left with the balance i mentioned. I do respect you're honest opinion though and I'll pray for that wicked soul of yours.

Bonniville Black Cherry it wasn’t that serious

Bonniville Black Cherry lmao mishi wacked the fuck out of you 😂😂😂 not even a come back? Damn son, go eat a tide pod now and think about the dirt you tried to throw 🤣

So who is actually the one who reports u to the credit bureau ? The original creditor or tha CA?

KEEPING IT REAL WITH CREDIT: I might just be reaching out to you. I watched like 10 videos and the only one that was helpful was yours. All the rest didn’t actually give any information, they just skirted around the topic. Thanks again.

Your very welcome

Why dont you people who incur the debt NOT want to repay it? Why are you listening to anyone who tells you not to repay a debt? Why ask for credit if you are not going to repay?.

Vin D question i have two online loan that i didn't pay back and they said if i dont pay them back they will send me to collection what do you think i should do

IF you have the money, try to negotiate a payback arrangement.

Double Down I paid all my bills on time but 7 years ago I had a major health issue. Medical bills fucked my credit up. I don't want to pay that stuff.

NEVER make an arrangement to pay anything, either verbally or in writing, and the debt will fall off after 7 years from the time it was placed into collection (6 months). This would be at total of 7-1/2 years. But you have to make sure that, during that time, you DO NOT GET LEGALLY SERVED. That would likely turn into a court judgment and follow you as long as a bankruptcy. Check the statute of limitations (SOL) in your state regarding time allowed to sue for alleged unpaid debts.

Keith Cahalan ..... I was in a court situation also.... I was summoned by way of sheriff... I believe it was a law firm that was collecting the debt... how could I have fought that?

Donald Trump right now owes an outstanding loan to Deutsche Bank of Germany for over $300 Million dollars. Will they put that in collections? LOL

That's cool, but it's "debt".

@@nf4866 I'm not lying. I was such in a bad place because of my asthma. And why do you care so much about my spelling anyway? Who the hell really cares? Nobody but guys like you. Ultimately no body gives a crap. As long as my point got across which it did. And if that's really you which I know it's not. Try to be yourself instead of Samuel L. Jackson. And why do I care. Because it's obvious you are insecure about the way you look. The real Samuel L. Jackson has no debts. There I spelled it right. Don't tell me in used a dangling participle.

WRONG.. there are unknown events in life that make issues. People lose jobs, lose a father a wife or a husband. Debt collectors will collect you're money then sell the account to another etc. I have one from 1997 that my dead wife did. She died and they came after me. I paid it. a year later another company contacts me for the same damn thing.. It is now 2017 STILL these thieves contact me trying to constantly collecting the same 325 dollars and they always attack my credit. If you look at mine you see 7 different collection agencies claiming the same money and every one of the bastards refuse to be honest and remove it. You have no idea what you are talking about you just assume you are better than others... Shame on you

David Moody wow you should if you haven't already is maybe contact a lawyer. it's my understanding that you are not libal for purchases your wife made. Just because you were married does not mean you are responsible for it! You can even contact the Federal Trade Commission. I just received a summons myself and plan to fight back

Yeah anything above like 5 thousand is something they'll sue for.

Bankruptcy or move to a different state that does not allow credit card garnishments.

You should go to *Forbeshacks.* _Xyz_ They help in paying bad debt and fixing bad credit records.

Michelle Torres how do I build good credit or even start one tho?

credit = trust get one credit card (student credit cards are normally limits to 500$ or more) and make a purchase with it. Let's say about half the max amount you are allowed. (you now have a debt of 250$). When the bill come in (every month) pay back more than the minimum to lower your debt to 75% that amount (your debt should be now at about 60$). This will 'tell' the credit company you can be trusted and you can pay back your debt and manage your expense. Do this for 6 months. (buying something then paying it back, always on time, always more than minimum amount required (that info will be display on your invoice). Then, after 6 months, either ask for a bigger marge of credit (let say 1000$ instead of 500$) and see if they agree to increase your limit. Often you will not even need to do this, they will phone you or sent you an email asking if you would be interrested getting your limit heighten. Normally in a few years, you should have a great credit. Of course, that doesn't do everything. Your salary, the time you work at your current job, will also give you a better chance at getting the car you want with the credit rating you have. No one would trust you with a Ferrari if you don't have the corresponding salary, whanever the credit rating you have...

@@pound4pound740 Start of by maybe financing a small purchase like a $500 stereo, make your monthly payments on time and it won't be long until it is paid off. This would be an easy feat for teens living at home because usually they are not paying rent or other bills. Take advantage of this time that Mom and Dad is helping you. These are major stepping stones to the success you have in your Adult life, even though you don't realize it now Kids !!

Michelle Torres you slave

Michelle Torres sheep

rick g statue of limitations is key

Hi what does your score need to be to qualify?

Check with a loan officer that does mortgage loan in your area or state. Here in Texas you can have a 580. There are hundreds of loans available for first time home buyers; they work with you.

Thank you

if you have this stuff unresolved on your credit file you will be denied a home loan. I have seen it ALOT working for collections, best bet is to PAY what you owe or 99% of the time the bank will deny your loan until its paid and until the collection agency tells them it was paid. this guy is a quack

If you just live by cash and don't use credit then you don't need the bank

Never, ever buy the home you live in- always rent where you live. What you DO want to buy is multi-family properties, that way- you could be manager, what the tenants would cover your person living expenses, and you could even rent to yourself- and legally write it off! One owning their own home, without having a space to rent out- not only will One have to work to pay off the mortgage and off all their other bills and living expenses; yet, they’d still have to also pay for the mortgage, all of the repairs and responsibilities toward the property.. Also, they’re stuck in one spot for a good chunk of time; often unable to have the freedom to travel when they chose, due to daily work commitments- along with limited funds from paying all of One’s expenses. If a person did want to travel, and chose to be gone for long periods of time- their property will merely be sitting there, constantly costing them money.. However, if One purchased a multi-family property- they could easily live in one of the spots and manager the property themselves or could hire a property manager and live off the premises.. Though, the best part- whether the person is living on the property or not, they will constantly have an income coming in; taking care of not only their personal expenses, though, all the expenses to maintain the property, as well.. Look up Grant Cardone, here on RU-vid- he’s got some AMAZINGLY informative videos.. Seriously, it’s about working smarter- not harder. If you’re going to put all that work into earning the funds for your own home- why not make sure that money will consistently make you money, and become your own boss while you’re at it?

Roderick Brent knowledge is power only if there's action put into it 😉

+Jenny Fierro Amway I agree good sister

Roderick Brent you're a cutie

BUSINESS SAVY your thirsty

John Ibarra first of all its "You're" not "Your", and why do I have to be thirsty to give someone a compliment? Guess you'd rather me be bashing him instead huh???? I can't see how that botherd you or Why lmao. SAD!!!... You see I can tell by your writing that you have no intelligence, so I can't even get mad at you, I can only feel sorry for you. So now that you've taken the time out to address me with your simple minded thoughts, you can now carry on with your miserable negative life. I'll sleep well at night happy, and positive. Oh, and he's not only cute, he's Handsome. Toodles!!!

Lmao

Cowboy 😂

🤣😂😂

😂😂😂😂😂

😂😂👌🏽

KEEPING IT REAL WITH CREDIT I subscribed halfway through your video lol

Katrina Mann ikr

lmao. 99% of the people who watched this video have a credit score of less than 301 and still trying to find ways to lower it.

This is so much BS. BECAUSE It says in the fine print THEY ARE ALLOWED BY LAW TO SELL THE DEPT TO THERE 3 PARTY WHEN U SIGH IT SAYS IF YOU DONT PAY WILL SELL IT TO BBC YOUR LIVING IN A DREAM WORLD NEO BECAUSE YOUR SS NUMBER IS LINKED TO THE ACCOUNT

Anthony Alexzander n

I totally agree with you Anthony but then do you know that sometimes it doesn't get to work that, I disputed my negative files , 2 months passed , I spent 107 USD trying to ask these credit companies to help me but they were so busy that they just charge me and give me BS crap . I ended sourcing for alternative, I used one programmer sometime to delete my records and also boost my credit . Am 780s and almighty thanks to the Daniel guy behind my smiles . I applied already and I got it just in 4 weeks interval . Danielsten @ workmail . com would be his personal email domain . I only can urge you to give him a try and see the outcome. and by the way , I can facetime with you just to show you my current scores if you so wish . Good Luck

I do not have bad credit and never did. I worked in collections. I do not use credit it is a suckers game.

Anthony Alexzander man you sound stupid the riches ppl in the world became rich of m credits

Smarter than you because I can write and it appears you have trouble spelling.

You have to understand contract law.

Chris Frazier lol!!!

😂

Chris Frazier 😂😂😂

Chris Frazier 😂😂😂😂😂😂

Chris Frazier and he has 47 thousand friends who just happened to like it

Reb C yes! Very appreciated 😌

Ronald Anders Mr. Anders my name is Katie, i can appreciate your situation, but he is not 100% accurate, your bill is too fresh, you are not out of Statue of limitations, FDCPA allows the agency collecting for your medical bill and they can come back and garmish your wages or bank account unless it is SSI/ SSA money. Try the hospital charities that offer to pay patients bills. I was a debt collector for 15 years and managed in the debt collections dept. At a law firm, we definitely sued a lot of people who thought the same things he's claiming and it could have been avoided with a payment arrangement. I hope this helps.

Get an Iphone and then just block the number so they cannot leave you annoying msgs. I don't have any debts right now but you never know what can happen in the future. I wanted to watch this guy to see what he knows. He knows a lot and his information is correct.

Yep, this guy is going to get a lot of people sued and ruined. When you get a mortgage, often the bank will sell that mortgage to a new company. Does that mean I just don't have to pay any more? Yeah, try that and see what happens. The agreement you have can and will be sold and you are still responsible for paying.

wow...an attorney was involved with me to pay off a credit card...bitch was nasty as hell with me in the beginning but she must of been reported cause later on she was super nice as hell...

Mrreasonablethinker, you are correct, servicing debt is not the same as purchasing debt. The outsourcing of debt has become the norm for many tech and medical billing companies. This means that the original party is still a stakeholder of the debt. You can still be sued per your example normally the medical side of billing takes precedence over lab expenses which in many cases the lab companies will place your account with a collection agency per whatever percentage is covered under insurance and the amount not covered and is the responsibility of the debtor. Many collection agencies basically provide a service for these companies, in other words, again, they outsource the accounts and pay a percentage back to the collection agency. The original debt holder may or may not offer settlements.

jred726 hmm, really? That's pretty helpful information to know.

Tony A. Yes sir! If you have CK, find a collection account, if you have one and click dispute. The credit bureaus will then request proof from that creditor that you owe. If they don’t have it, it’s take off by the bureau with 30-45 days. Your score will go up from every account deleted. You can only dispute one report at a time. I suggest going for the account with the highest reported balance. Good luck, I hope I helped

So even if you do have knowledge of the derogatory mark did you dispute it as "I have no knowledge of this account" because they give you a few options, thanks!

Emilie Covacari That's exactly what I did. It's a gamble but most of the time it pays off. These collection agencies are scammers and if you can beat them at their own game, do it!

jred726 great advice sir !👍