NEVER PAY COLLECTIONS! Telling debt collectors they get NOTHING in 2024

NEVER PAY COLLECTIONS is one of the most popular pieces of debt-collection advice you'll see here on YouTube. But is it true?

Florida debt defense lawyer Mike Wasylik explains WHEN and WHY you might want to pay NOTHING to your debt collector and when that might not be such a great idea.

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

⛑️ Want help fighting off debt collectors so they get NOTHING? If you're in Florida, call us at 352-567-3173 for a FREE 30-minute appointment with one of our lawyers (Mention this "Never Pay Collections" video!) to find out how we can help you.

Here are some of the other videos I mentioned in this one:

What you'll find in this "Never pay collections" video:
0:00 Is it true you should never pay collections?
0:46 Two questions you need to answer first
1:11 Three ways debt collectors may be bothering you
1:48 What a debt collector MUST do on your credit report
2:24 Two ways to remove a collection from your credit report
3:02 How to negotiate a "pay for delete" deal
3:37 How to stop phone calls and letters from debt collectors
4:10 The risk of cutting off contact with the debt collector
4:35 What to do when the debt collector files a lawsuit against you
5:06 How to get the help you need
5:40 Got a debt collection horror story? Tell us here.
6:08 Here's what you need to know next

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
👍 OTHER VIDEOS YOU'LL LOVE

Debt Collection Playlist

Credit Score Fix Playlist

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🗣 FIND US ONLINE
Facebook

Web

YouTube (yes, right here)

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🔔 Want MORE like this?

Subscribe

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
🏷️ Click the Tags to learn more:
#debtcollection #FDCPA #FCRA #debtdispute

[russrichards]

I am in Washington state. A lawyer once told me that I can safely issue the cease and desist order and not worry about being sued. The reason for this is because I am on Social Security disability and it’s not garnishable income. So, even if I lose the case, I still win!

[RWlawFL]

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

[thomashughes_teh]

I did pay a small legit debt that occurred at the time of becoming disabled. It took a while, But I did it. Now I have excellent credit above 800 for over 7 years in a row.

[roxcyn]

This channel is definitely providing informative and accurate information.

[earlthompson]

Definitely the best in the business as far as I'm concerned. Hope you guys have a happy holiday!!

[judyanderson]

I just found you today and I’d like to thank you for speaking so clearly. Unfortunately I’ve lost most of my hearing but I heard every word you said just like in the good old days. Good job!

[douglasrank-imgp]

Thank you for this video. Very, very helpful.

[joshuanicholsjr]

thank you for the info I will be looking for your website god bless you

[smetalk]

In Florida, Just called and left a message for a call back. Will keep you guys posted.

[jacquelinemanzano]

IMO, it depends on the consumers education about law and debt collecting whether they would/should pay to delete negative accounts on their credit report, or whether they would pay a debt collector who sends them a demand for payment. That said, it pays for consumers to listen and learn from the content you and other attorneys provide in your youtube videos. In my personal experience, in 2004 I paid a large amount of $$ to debt collectors so they would NOT ruin my credit, I did this through lack of knowledge about the law and how debt collectors easily violate the FDCPA. Then one day I decided to buy a book from NOLO all about disputing debt and holding debt collectors accountable. Suffice it to say, I no longer pay debt collectors and I will not hesitate to sue them when they violate my rights and the FDCPA. A simple education goes a long way. I will never stop learning.

[leohornsfan]

I love your videos. The one thing that people should be aware of also and if you can talk about this in one of your videos is zombie debts. I had someone contact me telling me that they were hired by the original creditor to sue me for a so called debt that I owed from 15 years ago, but they wouldn’t give out any information like their location just what state that they were in and wouldn’t send a letter of validation when asked. It turned out that they are scammers and prey on people who don’t know their consumer rights. That deeply needs to be addressed

[mikekossman]

In MO, I had old credit card debt that got charged off and is reporting through my report from collectors as “active”

[antikawhite]

Dealing with all three in the state of Mississippi wanting to clear the debt and improve score

[SonicBoomC]

I live in Tennessee. I've always just ignored collections and contact attempts from debt collectors. This was never a problem until I had a card with Bank of America, and I had two local creditors try to collect from me. All 3 went to court against me. One my lawyer was able to get thrown out. One they won a request for garnishment, so I went to my local court and filed a motion to have it setup on a payment plan. Bank of America I ended up settling.

[citishapowell]

pleasure watching your video I really learned a lot, yet I have some questions regarding my situation. I've recently received a call from a collector about a 2012 student loan that I had no knowledge of, but then she proceeds to tell me that she has a signed promissory note (my signature) so I told her to send it to me. (she said, "30-45 days before I receive the mail")
I was under the impression that all of my debt was cleared because I applied for the Total and Permanent disability discharge. (I checked my credit report no student debt!)

[raelynnthomas]

I am being taken to court by Zwicker and associates. I do not want to go to court. I just received the letter yesterday here in Utah

[anthonymartinez]

Wish I would of watch this video before I set a date with the agency to pay in full on my collections .
Great info to know

My question is since I set a date with the agency to pay in full on my collections.they said the report to the credit ppl at the end of July and it will come off.
Say it doesn't, but says or show "paid in full" so then do I dispute it?
Since it's paid off but still on my credit report.
Thank you alot for the info you earned a sub today

[leeh-xhiw]

I live here in Florida also about sixteen years ago I didn't pay my CC debt it went in to collections. One company was try to collect a payment from me and I almost paid it. But the company called my parents house told them I was rude to them called them a bunch names. But when I was going to agree to the payments over the phone the guy kept telling to speak louder and I think I was being recorded. So I got an attorney and it hold them off for awhile. After about eleven years after that it did show up on my Credit score but it didn't effect on my score at the time I had a 730 score. And I would get mail from other companies trying to collect and that was about three years ago. My girl friend at the time told me not to pay it.

[danoconnor]

I live in Ohio, Ive been getting phone calls and I got a letter. I am most certain this is related to my hospital and medical bills, which I have been paying monthly, to the hospital. One bill is from 2019. I had a verbal agreement over the phone to pay "x" amount per month, and I kept up on my end of deal.

[REB]

Or they start calling relatives to embarrass you or put pressure on you for a debt that was attached to a car accident that insurance settled 12 years ago.