Never Pay Collections (2023)

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Why a debt collector is contacting you

A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt. Read more

Learn what could happen if you avoid a debt collector

Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. If you believe you do not owe the debt, you should tell the debt collector. Read more

Learn about some examples of "unfair" practices by a debt collector

The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices in trying to collect a debt. Read more

#Credit #debtcollector #creditreport #creditrepair #credithacks #credittips

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About Limitless Culture and Mike Meza:
Hi, I'm Mike. I established Limitless Culture with a singular objective, to improve creditworthiness and provide credit education for regular, everyday people with fun and engaging content, DIY products, and (for some because no everyone needs it) monthly credit repair services for people with specialty disputing needs. I want to empower working-class people and their families to be able to take control of their credit files the right way.

[MikeTheCreditGuy]

⬇️ DISPUTE LIKE A PRO | DIY Credit Repair: ⬇️

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I’ll tell you what truly works, *Brandon’s program* truly works! On my file, first 1mo i’m up 100pts, and 9 negative items deleted. Everybody’s credit file is different, and Brandon’s program is credit management to a better file, not credit repair Brandon’s not a mechanic. We have to take our own individual steps to improve our file, but Brandon’s direction makes you take the right steps! Thank you Brandon!

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Working with *Brandon* has been a great experience. In a short time frame, there has been a remarkable improvement in my credit score, with an increase of 200 points and fifteen negative items removed from my credit report. Brandon has been an incredible help, providing me with the knowledge and support to tackle the issues that have been holding me back. I am very grateful for having someone like Brandon to help me reach my goals. Many thanks.

[olgabarkovskaya]

Because of your info and explanation I won my case on charged off account in court!!
Collectors really do not know all of your info and judges not on the collectors side . You just have to be well prepared and do not afraid!

[TMTTucker]

What if a collection shows up on your credit, and you have no memory of the account nor any written collection letter regarding the account? How do you go about removing this?

[Userrrrpwldp]

Friends he is a cheater. The comments are all fake

[canwetalk]

charge offs and still have vehicle...when is a good time for a BK?....South Carolina

[sheltonshorter]

Purchase agreement that makes sense why pay someone claiming they own the debt

[epwnxfy]

Thank You for all this knowledge you give us.. I appreciate this so much, I'm following and listening. Thank you very much

[geminiascension]

I ignored them for approx $2600 . Got slapped with a judgment & now they are garnishing my wages. Why are you saying to ignore

[vanessamorrison]

After the statue of limitations expire on a debt in your state and it's sold to a collection company can that collection company keep reporting to your credit profile for up to seven years and change names over and over. If so is there something that can be done.

[anthonysmith]

I had collections and they sued me in court so I had to go to court and hire a lawyer. Explain to me why some people say never pay collections? They are on my credit reports

[crazyfireman]

Question, if I have old IRS debt from over 5 years ago which payments stopped due to life issues, balance of a few thousand and received a letter from debt collector. Thoughts and thank you I really appreciate your content.

[hypebylos]

@mikethecreditguy does your DYI offer these letters ?

[anthonysmith]

I have 5 paid collections on my credit report, how can I get them off my credit report?

[danisimms]

What if they do not give you what you ask for?

[-whackd]

I'm trying to research and I think the statute of limitations is two years for British Columbia (Canada). Does that mean 2 years from when the credit card company sold the debt to a collection agency? Not two years from the credit card bill?

[williamprice]

Florida debt collecting statue of limitations