HUGE SECRET Collection Companies Don’t Want You To Know! Don’t Pay Them 🛑

In this Video I cover a major huge tip in credit repair that everyone misses or never use. Stop these debt collectors right in their tracks with this tactic! #credit #Creditrepairservices #creditrepair

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Disclaimer: I am not a financial advisor. Limitless Culture and/or Mike The Credit Guy does not provide tax, legal or accounting advice. This material has been prepared for entertainment purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

[MikeTheCreditGuy]

➡️ Set up Free Credit Analysis and Mike will let you know what program you Qualify for.



⬇️ DISPUTE LIKE A PRO DIY Credit Repair
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🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

[MoolaMar]

I’m so glad I found you and I pray I’m not too late. I followed the steps from an agency and was informed to file a complaint with the CFPB. I also filed disputes on the three credit bureaus. I really wish I saw this video weeks ago, 😢😢😢

[Richard_Murphy_Mortgage_Guy]

Sooo...letter 1 is refusal to pay.

Wait 30 days.

Letter 2 is 15 USC 1692c?

[natimanicole]

This definitely worked! Thank you. I tried setting up a consult but the links only allowed me to upload my personal docs, not my credit reports. Going to schedule anyway and maybe that will get fixed

[kylepopell]

It’s rare a return receipt comes back to you

[angelav]

If a debt collector contacts you for a medical debt that you didn't even know you had back in 2021, isnt that fraud on the original company and HIPAA violations? What are the steps to remedy this and so it doesnt ruin my credit score.

[ava]

Mike thanks for the info. I have a collection from an apartment, not an eviction I paid on time. I never received any mail from the apartment but I have a collection.

[markwatts]

Sent validation letters to all three bureaus, original creditor and collection agency. Collections were removed from reports. Should I now contact original creditor and pay 140.00, amount they say l originally owe!! Don't want to see this bill anymore anywhere!!

[JazzyMarineVet]

My medical collections has just sold that to somebody else and then sold it to somebody else. I did send that letter about 4 years ago and since then they've sold it to two other people so I had to keep sending those letters.

[ninjashhh]

Thanks! QUESTION: Should we send this first and if they respond correctly then send Validation of Debt letter? Is that correct?

[baseballsorr]

I have a business loan that I'm personally liable for that has now gone to collections and I can't pay. I haven't spoken to them but they calling off the hook but nothing in writing yet or on credit report. What do I do?

[ocampo]

Hello, I have one collection that is inaccurate and going on 8 years old now. It list on my Equifax report as Collection - (CLOSED). However its not on my Experian report. Should I follow the steps laid out for Equifax and get it in the mail. Thank you for the video.

[yejvgdo]

Mike what about if the creditor sues you and they hired a firm to take over the file? What can I do ?

[brandoncarroll]

Remember, Even if the junk debt collection agency sues you. They first have to prove two things in order to succeed. 1) Prove that they own the debt, and 2) Prove that you owe the debt. Admit to nothing. For you never borrowed money from the collection agency. 9/10 the proof of ownership is still with the lender, and not the collection agency. Bottom line. Pay the owner of the debt.

[damu]

Can I try and settle the debt first, if that doesn’t work try this method?

[kylepopell]

Do I have any point yet to talk with you personally by phone about the situation individual

[GlenDonohue]

would it just be easer to file bk. this sound like a full time job.

[lmqqhld]

Certified mail is great until federal postal fraud is involved.

[duellarothamel]

I have a question that I can't find the answer to. I received a letter from collection agency on a presumed old CC. I have no notification from the 3 credit reporting agencies of this bill. I might add it is over 6-7 years old, from the date on the CC bill. I'm in Texas. What do I do?

[jamesharris]

Hmm, but then the debt collectors go after you in court to garnish your wages right?