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

😠 The debt collector VERIFIED your debt after you sent a dispute letter. WHAT DO YOU DO NEXT?

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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
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⛑️ Want help dealing with debt collectors and junk debt buyers? Call us at 352-567-3173 for a FREE 30-minute appointment with one of our lawyers (Mention this "Dispute comes back verified" video!) to find out how we can help you.

Chapters:
0:00 Dispute debt comes back VALIDATED—what do you do next?
0:25 Your right to demand validation
0:50 What they're NEVER going to give you
1:10 What they MUST give you
2:00 What you should do when they respond to you
3:58 How to tell if the debt collector is breaking the law
4:33 How to catch debt collectors in a lie
6:40 How to use this to your advantage
7:18 When you can sue a debt collector for breaking the law
8:34 Why you MUST know exactly what's in your credit reports
9:26 Find and fix factually inaccurate information in your credit report
10:36 The three-step process you need to follow
11:13 How to write a proper dispute letter

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🏷️ Click the Tags to learn more:
#DisputedDebt #debtcollectors #DebtValidation

[RWlawFL]

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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters the right way:
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[jonwilliams]

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

[agilitymediallc]

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.

[jonwilliams]

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

[RickyG]

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!

[leliahood]

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.

[BeTrueYourself]

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.

[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!!

[KatherineH]

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!

[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!

[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

[goldengate]

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

[acbarker]

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

[vinn]

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?

[journeefarms]

Thanks for the great information, Ricardo.

[natedogg]

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

[universaldialogue]

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?

[Gigi-rgxy]

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!

[SassMamii]

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

[ShirleyMays-etpk]

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?