DON'T EVER PAY COLLECTIONS (AND WHEN YOU SHOULD!)

Рет қаралды 325,240

3 жыл бұрын

In today's video, I'll explain why you should not pay collections, and when you should. All my recommendations 👉🏾 bit.ly/naamwynn
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In fact, I have seen this play over and over again. Too many people are paying collections accounts will do are not required to. Don't let debt collection agencies harassing you on debt that they have no right to collect.
With that said, here's what you learn in today's video.
First, I'll go over what are charge offs and collection accounts, and what they mean to you. I will next cover what debt collections can and cannot do. It's very important to know your rights.
Next, I will share with you exactly what do you need to do when receiving debt collectors. You have to be very careful about how to handle them. One mistake can ruin your chances to successfully dispute this collection account. Before verifying the debt is your make sure you know the statute of limitations in your state. Legally, after a period of time debt cannot be collected.
Lastly, I will share with you tactics on how to deal with collectors and get negative marks from your credit report.
Enjoy!
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#creditrepair #collections #credit
DISCLAIMER:
This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support! This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author makes no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video.

Пікірлер: 864

@NaamWynn 3 жыл бұрын

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@nermingultekin9519 2 жыл бұрын

I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in This name below and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!

@marissasaucedo4400 2 жыл бұрын

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@gnosticsabaton4975 Жыл бұрын

I don't pay collections agencies and I don't care about my credit score, because I already have 3 homes, so screw them!

@ciphered2000 3 жыл бұрын

"They cannot contact you between 8 am and 9 pm." is incorrect. They can only contact you during these hours, but not outside of them.

@chukob5 3 жыл бұрын

I didn’t pay them so they’ve take all my impact payments

@xmissknowitallx7627 3 жыл бұрын

They can’t contact you at all if you ask them not to, also if you ask them to contact you with only written correspondences they have to do that too. If they don’t you can actually get the debt erased because they aren’t following rules. There are a few exceptions though. You just have to communicate these things with them.

@evelyncoleman7476 2 жыл бұрын

I subscribed just because you seem so helpful. Thanks, even though I don't have credit issues it's great that you're helping people

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@wfbaca 3 жыл бұрын

Lots of good info in your videos, brother. Semper-fi.

@anitasengrath9270 2 жыл бұрын

I stumbled upon you and thank you for your page. Also, I love that you're representing Asians. Currently and aggressively working on my credit. Your videos are sooooo helpful.

@LovelyAna1 3 жыл бұрын

I shared ur video with my sister. She'll need ur help!! Thanks so much for all u do n ur videos!! Much appreciated!!

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@cs5952 10 ай бұрын

Credit isn’t black or white

@kldegeyter 3 жыл бұрын

Great video! Definitely need to get the ball rolling on some past accounts.

@Davids2-High 2 жыл бұрын

What a great video. More info then and truth then most videos Iv seen. Thanks again.

@hermanlopez2945 3 жыл бұрын

Love your video with all the tips and tricks for smart decisions.

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At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself

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@Lady-Carmakazi 2 жыл бұрын

I wrote you earlier but it didn't post so trying again. Look into first time home buyer money you can get into a home dirt cheap that way. I was able to buy a brand new home with only $900 down. FHA loan. Ask around at different banks & mortgage lenders for first time home buyer money it's usually easier to get in the first part of the year. Any lender can pre-qualified you too, they'll let you know what you can afford . Fha loans are a littler easier to get if your credits not perfect. Only need a score of around 620 or so.

@jusysl6321 Жыл бұрын

Saving and investing

@democracysdoomsday7905 Жыл бұрын

Savings is great however it isn't enough. Put just as much effort & energy into fix/get-ing credit. Your credit score is the only thing that can get you the best Interest rates "deals". Credit builder, secured credit etc. A dwn pyt is just too seal the deal. Doesn't make as much of a difference, you'd think. My brother in law had the lowest interest rate & payed off his jeep earlier than my bro. My brother thought a big dwn pyt would result in a good interest rate along with options. It was definitely a rude awaking.

@TheRena1969 Жыл бұрын

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@aggrodkreg4321 3 жыл бұрын

I wish I would've known this 5 years ago. I let a Sprint account go into collections, and I started getting harassed by the collection agencies during weekend drills. I did manage to get the money I owed to Sprint... I just went directly to them and settled the account myself, telling the collectors to pound sand. I removed the collection a few years later when I started to get into credit rehab, but I know it could've been worse. Still... always good to know the tools you have for a given situation. I appreciate the work you do, from one vet to another.

@rkba4923 Жыл бұрын

NOT wise to pay original creditor once it's been turned over to collections! But, I'm not a lawyer.

@tatianadaniel3569 Жыл бұрын

@@rkba4923 Can you answer a question for me??

@michelleharvey7581 10 ай бұрын

Currently in a situation where I tried to use my Army Tuition assistance for university. After finally contacting who i needed and getting it set up, i was told it just takes a little to go through and then it will go through. I dont go to that school anymore and the army never ended up paying the tuition. Now im sent to collections with destroyed credit from it. Im still figuring out how to deal with this all, but people like you are amazing for calming me down. Financial stress and anxiety is like no other.

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*f o r w a rd* whatever concerns/questions you hv to…

@anthonyjacksonjr4812 3 жыл бұрын

This understanding was very good to hear. Thanks again.

@heven729 3 жыл бұрын

Thanks for your videos devil dog. Happy birthday! Semper Fi!

@NaamWynn 3 жыл бұрын

Semper Fi devil!

@kymk143 3 жыл бұрын

Wish I would’ve known all this years ago..This is so helpful! Thank you so much.. Gonna share with friends and family!

@ammooth1592 3 жыл бұрын

So do I 🤝🏿

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@pinkpriss 3 жыл бұрын

Thank you! You are/were easy to listen to...spoke fast enough etc. I clicked through many of the other "Don't pay collections" videos on KZfaq because they spoke too slow, could not stay focused etc or were just plain boring.

@NaamWynn 3 жыл бұрын

Thanks! Many have said I spoke too fast, so I tried to slow down in other videos.

@tommyle7658 3 жыл бұрын

@@NaamWynn and caption too, thank you

@kitty-ld6oo 3 жыл бұрын

Thank you for the info. I needed to know I made the right decision to work paying my federal student loans. Very helpful. Thx🎉

@mslj4062 3 жыл бұрын

Thank you Mr. Wynn! 🙏🏼 This video was most helpful and enlightening. I have learned and continue to engage in as much financial literacy as I can since the pandemic hit. That to me is TRULY the 🗝️ to success! I feel the "Silent Generation", understood the importance of good credit, and as such it was part of their lively hood. In any case it was a pleasure to watch this video. Thank you again. Take care. 🙌🏼😔🙏🏼💯🎯👏🏼

@luistobar7 4 ай бұрын

Very valuable information! I will definitely subscribe to your channel . Thank you for taking the time to make this video :-)!

@TheSkipTracer 2 жыл бұрын

And thank you for getting it right on stating your name and therefore before becoming liable. Biggest myth I deal with. However you are not admitting guilt if you don’t respond to the letter. There could be a lot of reasons. The guilt is always admitted in the signed contract.

@rickjunior6478 Жыл бұрын

Been thru that, never did, never will. You demand they stop calling, they have to abide.went through this back in 1999. Went to a bankruptcy agency, they work with you. Got awesome advice on what needed to be done to track your finances. After clearing the probate period, I have never stop using the tracking program they provided. I am now retired with healthy pensions and savings.

@haashaas2508 2 жыл бұрын

DUDE, YOU ARE SERIOUSLY AWESOME

@carlosaceves5493 3 жыл бұрын

I just jumped on to your channel - good info thank you.

@wrinklyvikings1343 Жыл бұрын

Dude, your video was so accurate. This is exactly how it all works, love what you're doing, keep making these informative videos, the more they know the wiser decisions they'd make, I wish more ppl understood though that we're not their enemies and we also want to find a win win situation for each other.

@NaamWynn Жыл бұрын

Appreciate it!

@danielzamora4421 Жыл бұрын

Do you a dispute to debt collector or credit bureau

@artemusgordon3832 2 жыл бұрын

Hi Naam, very helpful video. Thanks. :)

@cakrmc1928 2 жыл бұрын

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

@marissasaucedo4400 2 жыл бұрын

BAD KhenCorp⨀COM

@furkanakdogan9890 2 жыл бұрын

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a service from this name below, and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

@marissasaucedo4400 2 жыл бұрын

BAD KhenCorp⨀COM

@robiieray 2 жыл бұрын

Spam

@Cantetinza17 2 жыл бұрын

Yeah got a $500 limit from capital one.

@ilianawadkins8829 2 жыл бұрын

Thank you for your information it was very helpful

@vickyvic2852 3 жыл бұрын

This was so helpful!

@lovely31bluprint 3 жыл бұрын

Great information from Colorado. A person receives SSI or SSDI benefits owes student loans and NOT in default. That said, a form have to be filled out yearly call Income Based Repayment (IBR) is an option. It gives borrowers a way to make loan payments. IBR provides for reasonable student loan payments based on a person"s income. Payments can be as low as $0. After 25 years on the program, any remaining debt is forgiven. People with loans in default cannot be in the program. However, people can get their loans out of default by making a number of "reasonable" payments. Once the loan is out of default, offset of benefits should stop.

@Alonzo42189 11 ай бұрын

Bro. I understand. Keep going!

@brendacapestany2518 3 жыл бұрын

I Negotiated my own collection payments. I paid it then and within six months I have excellent credit I owed almost 4 to chase I paid 600.00 it went away.

@sweetness4635 3 жыл бұрын

I’m scared of chase . Lol

@Unknown-xv8lj 3 жыл бұрын

Michelle Why?

@galato4234 9 ай бұрын

How do you do it? If you have a debt that is 5 years old in Florida, do you think it will should be erased from your credit report? Thanks for your help.

@labreneshajohnson4536 5 ай бұрын

Did you negotiate to have it removed or they did it on their own. My cc refuse to remove from my credit report

@RuthDameron 3 жыл бұрын

Great info, thank you!

@annaahmed2564 Жыл бұрын

That is very helpful tips loved thanks for sharing keep it up good work.

@digitaItrapping34 Жыл бұрын

Do you have any passive income streams?

@robertwhite9898 5 ай бұрын

Everything you said is correct 👍 I’m in the state of Ohio & the Statue of limitations is (6) years on credit card debt,s My advice to all would be to check your state & see what the statue of limitations is . Every state. Is different. Once the statue of limitations is up or beyond it the creditor can’t do anything.

@deborahhopper1070 3 жыл бұрын

A good video, Thank you.

@BokHog 3 жыл бұрын

Collection laws vary by state. Some states have more consumer friendly laws than others. So, what he is saying about what the collectors can or can not do may or may not be true in your state. Which is why it may be worth paying a lawyer for consultation if it is a concern.

@sergiolandz6056 3 ай бұрын

there is still universal rules they need to follow since the collection agency's never ever contracted with you to do business.

@thecougarexperience 10 ай бұрын

My fellow Vietnamese, your lighting is on point!

@EmirAk0 2 жыл бұрын

Bother - may I suggest you make This below name correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare

@allicejay4599 2 жыл бұрын

BAD KhenCorp⨀COM

@joeykim373 3 жыл бұрын

Great Video Naam! It feels like forever since you did our collab! Hope everything is going well... just trying to catch up to you everyday haha

@NaamWynn 3 жыл бұрын

Haha youtube moves fast! You'll get there homie

@Rakki_Haitatsu 3 жыл бұрын

Naam Wynn Thank You so much! Thanks to you I ended up paying 25% of my debt with a collection agency that's been hounding me for months! Your videos helped to guide me and also give me the confidence to negotiate a settlement. Subscribed! :)

@Kw_Torres Жыл бұрын

Did I get taken off your credit report

@johngatsby1473 Жыл бұрын

@@Kw_Torres more than likely it shows paid for less than full amount.

@Jennifer_Lewis_Beach_Living 11 ай бұрын

That’s good, but remember that it doesn’t do a lot to your credit score if you settle or pay it off AND they won’t remove it from your credit report. It still shows up on your credit report, AND it resets the statute of limitations of suing AND reporting, so your score is going to take a hit for the first few months. The only way this will benefit you is if they completely delete the entry from your report. A lot of legit collectors are doing that because the consumer has smartened up to how paying a collection doesn’t benefit them, especially if the SOL expires. The only way legit collectors are getting their money is to agree to delete the item from the credit report.

@ivyfeenix 11 ай бұрын

@@Jennifer_Lewis_Beach_Living What do you do if it's past the statute of limitations? It's 3 years in my state, however, the creditors stopped reporting years ago--but it's still on the report.

@mikebarreras26 3 жыл бұрын

Very helpful!

@HenryTheIII 3 жыл бұрын

Awesome points! I had one account in collections and I paid as it was till in the S.O.L. They settled the balance for lower than what I originally owed. It was deleted from my credit report also.

@Vinegarissweet 3 жыл бұрын

Same!!

@HenryTheIII 3 жыл бұрын

@@Vinegarissweet that’s awesome!!!

@manoharmj2338 3 жыл бұрын

@henry the III could please share your negotiation points and tips.

@robertwhite9898 Жыл бұрын

Awesome

@Jennifer_Lewis_Beach_Living 11 ай бұрын

Excellent! Yes the only way it’ll really benefit your credit score is if it’s deleted from your report.

@mikecagle984 Жыл бұрын

If the company I owed money to, "sells" my debt to a third party, why would I owe the third party money I never agreed to repay or signed a contract with?

@NaamWynn-my11w Жыл бұрын

Please refer your question to my email at

@NaamWynn-my11w Жыл бұрын

Naamwynn65 GmaiI’

@ITIRICI 3 жыл бұрын

Average is 45% for anything over 1k dollars Anything under 1k can usually be around 30%

@kripton9ite445 Жыл бұрын

Source?

@gwenhenderson63 7 ай бұрын

Your letters have really helped me. I appreciate your willingness to give us this information. My daughter had a car accident back in 2018. They put it on my credit and not hers. I’ve tried to get that removed. Is this possible? It’s the only collections left on my credit.

@micalah8282 3 жыл бұрын

Statute…of limitations. Not statue. This is very helpful. I’ve been working tirelessly on my credit and another persons for the past month and significant changes have happened. A lot fell off, a lot was paid. I’ve done some things really well, and made mistakes as well. Thank you for these videos!

@Rockfor970 8 ай бұрын

lol

@davidwade8194 3 жыл бұрын

Great video. I love watching your KZfaq videos. I just want to make one small correction. I am an accountant for a financial institution that issues credit cards. Once a loan becomes 90 days past due all income accruals stop and any previously accrued income will have been reversed back to the last date of payment. I am pretty sure this is a universal standard that conforms with GAAP. Therefore, nobody is paying taxes on stale accounts even if they have not yet been charged off. Love your videos and you are awesome with presentation.

@NaamWynn 3 жыл бұрын

Thanks David for the insight!

@Cfg-gr8kv 3 жыл бұрын

❤️❤️❤️❤️great information and great that really works

@cameronfousvlogs5211 3 жыл бұрын

@fmspec 3 жыл бұрын

Thanks for your video, however, the collector sold my debt to another new collector and killed my score heavily again. Tired of this credit stuff

@KaChauDiva 3 жыл бұрын

Same. The new collection agency is vicious. I got served with papers during the pandemic and I answered in court within the 15 days. We go to court in September. They have since sent papers demanding that I admit that I owe the debt. When initially contacted, I offered to make payments, but they refused.

@robertrudisill5777 3 жыл бұрын

Debt collection agencies buy in bulk for less than 2 cents/$. Never pay more than 10 cents on the dollar

@gunnyjohn2580 3 жыл бұрын

Who could possibly give this video a thumbs down??? Great information 👍 Semper Fi!!!!!!

@DogManDan 3 жыл бұрын

Anyone who knows that is you let it go to collections (depending on your state) you will end up in court and with a nice big hefty wage garnishment & embarrassment as a result. You could even end up in jail.

@jeanniestanley7728 2 жыл бұрын

Debt collectors

@sergiolandz6056 3 ай бұрын

@@DogManDan cant go to jail for unpaid debt, if you do then i dont understand what you did wrong, but i have never heard people go to jail for debt. Take alex jones he owes 100's of millions and not paying it and hes not in jail.

@itzrlymeman 6 ай бұрын

Start your negotiations with a low ball esp if past the statute of limitations. Worse you can get is a no. It’s worked for me.

@sonictonic_ 3 жыл бұрын

I’m really enjoying your informative videos. Thank you. Question... can I safely ignore or assume I’m passed the SOL if I’ve been getting letters from a collector that’s originally from an old cc of mine where I don’t see the account on my credit report at all? It’s pretty old but I don’t know exactly when originally, I just remember having a dispute with the cc on the amount and then life happened and I just let it go. I would never do that now but that’s what I did here. At this point though, even though it’s not a ton of money, under 1k, I. Hesitant to pay it mainly because it’s not on my credit anyway and what if I did pay or settle and THEN they put it ON my report? I’d rather leave things alone in that case. Every few months they send a letter with a settlement offer, always with an expiration date, but they always send another down the road. What to do, any insight?

@msh5597 3 жыл бұрын

I hired Lexington law and they were able to get some debt off of one or two credit bureau but not all three and I had them for eight months

@travissk5036 Жыл бұрын

Thankyou. Great Content!

@Bonsp1 2 жыл бұрын

Great video thank you so much one question what about the creditors that continue to report the collection every month

@iAdden 3 жыл бұрын

“It’s fine that you’re calling me while I’m at work even funnier is that I work at home”

@CindyLopez-wj3uj 3 жыл бұрын

I’m weak 😂😂😂

@royalkst1lla667 3 жыл бұрын

I can feel that your videos and all the information or content that you provide is of very good help, thank you very much dor me and many more, BUT, if before uploading the videos you could at least edit it and upload them with a CC in Spanish to so that we can better understand the content and thus reach much more needy and much better subscribers, I can assure you that your videos will reach a much more needy audience and your content will better understand.

@LolaValiant 3 жыл бұрын

This was great

@darylspencer3918 2 жыл бұрын

Hopefully someone can assist me with this situation: I had a company send my account to collections after I refused to pay for services they did not supply. I shot down the first collection agency writing the standard letter of dispute. They sold it to another collection agency, who I again shot down. I just received YET ANOTHER demand for payment from a THIRD agency. At the conclusion of my letter of dispute, I insisted they do not sell my information to another organization. I don't know if this will do any good, but just how do you stop this? After a while, I will have spent enough on certified letters to have paid the account debt I'm disputing! :-(

@dmana3172 3 ай бұрын

I got a collection on my credit report. They kept calling, but I didn't answered it yet. I don't if I should. However, it doesn't matter. They cannot garnish my wages.

@judithbredy6114 18 күн бұрын

Great video! what about if the collector refuses to give letter of negotiation?

@hz_kayntr264 2 жыл бұрын

We’re renting a guest house at the back of the main house. We applied for rental assistance last time it was available in LA. They prioritized apartment address than residential. They never replied at all with our application. My wife & I lost both our jobs and score went bad, I paid Lexington Law to help me fix my credit for months and they did not fix anything except my attitude about how "good" they are. I canceled them once I saw nothing happening Ty i have been using this name below since few weeks, great way to build. I LOVE IT

@marissasaucedo4400 2 жыл бұрын

BAD KhenCorp⨀COM

@janfan72 6 ай бұрын

good info

@platano3000x 2 жыл бұрын

I started paying 2 bills that some lawyers own...i got freak out when i received a letter were they had all my job information and one of them even was going to take me to court on certain date and that if I loose on court they will be taking out like 250 dollars out of my pay check every week..i decide to do a payment plan and well thats what im doing now

@charlesahon 3 жыл бұрын

Good info.

@garyfarrell4076 26 күн бұрын

Kudos to you, *Solvency backdoors* for your extraordinary dedication and hard work in helping me fix my credit. Your efforts are truly commendable, and I encourage you to maintain this exceptional standard as you embark on future endeavors. The path ahead is filled with promise for someone of your caliber!

@MSilah 26 күн бұрын

*I’m glad I found their website after looking their name up😊*

@MarilynPenson 24 күн бұрын

Their name is spelt as *solvency backdoors* & are committed to getting dead credit and finance back in track.

@MarilynPenson 24 күн бұрын

I’m glad to be fortunate enough to get to know their name and looked it up online.

@MarilynPenson 24 күн бұрын

*You also need to look their name up to see their website.*

@shockjock35 2 жыл бұрын

I had someone call that left a voicemail to say they were filling a complaint with my county and they if I don’t respond they will take legal action against me. They never said what the complaint was for or what their company name is. I don’t have any collection debt on my credit report. It was crazy because they called someone that I know who had just got a new phone number less than a week prior to them calling my friend. I didn’t even have my friends new number yet.

@Cantetinza17 2 жыл бұрын

My former husband and I have a Vegas timeshare that is in collections. It's actually hurting his credit I think, but I've been doing research on what we should do about it. We were on a payment plan and then they reneged on it and wanted us to pay way more then agreed. Yes a lady called me about 4 months ago and actually threatened me with jail.

@robertwhite9898 Жыл бұрын

You can nail them . FPDCA which is a federal law . You have rights . Don’t let them push you around & threatening you . The first thing to do is to document it & keep track . Dates & times & with whom you spoke with . Check the laws in your state. On collections . That lady had no right to threaten you . You should have reported her. I’m the type that doesn’t take any crap from nobody. You have rights I’d would have laughed at that moron

@Jennifer_Lewis_Beach_Living 11 ай бұрын

If they threatened you with jail, sue them. That is against the law with the Fair Credit Reporting Act.

@benvashchenko5696 3 жыл бұрын

Make a video about medical debt. Someone hit my wife (car accident) and she went to the hospital now I'm in collection. Insurance ran dry and the debt collector thinks I owe them money.

@Dwayne-mb2uj 10 ай бұрын

Our student loan was paid off by the government for working in a low income school as a teacher. This is a two year old video so even though it is very good it is not current.

@naamwynn.Approve 10 ай бұрын

Questions pertaining to this are to be *directed/fwed* via

@naamwynn.Approve 10 ай бұрын

maiI; to: naamwynn65 GmaiI

@simont557 Жыл бұрын

The last time i had a collection agent chase me was 10 years ago for a hospital bill for pain killers. the amount was $30. when they rang i said thank you for purchasing my debt, i consider it fully paid for now. and i hung up the phone. never heard from them again

@tatianadaniel3569 Жыл бұрын

😂😂 Sir, has your credit score been affected since then?

@simont557 Жыл бұрын

@@tatianadaniel3569 that’s my business…

@tatianadaniel3569 Жыл бұрын

@@simont557 I'm sorry. I didn't mean any harm.

@NaamWynn-my11w Жыл бұрын

Naamwynn65’ GmaiI

@pnair5120 8 ай бұрын

Hi, I got a Collection on my account for Medical debt, by Collection Agency, No Letter received. No HIPPA AUTHORIZATION, NO ITEMIZATION How ahould I handle this , diaabled and retired since 2017 Thanx

@joanedwards1479 3 жыл бұрын

I always put the letter in the trash

@rosaortiz4495 3 жыл бұрын

Thank you .

@rcfowler1238 10 ай бұрын

If you need a monthly subscription as an ongoing credit problem, you need to reevaluate your situation. One time credit fix is all anyone SHOULD need.

@naamwynn.Approve 10 ай бұрын

GmaiI naamwynn65

@naamwynn.Approve 10 ай бұрын

Questions/concerns you may have are to be directed/referred over there.

@BobbyGazo Ай бұрын

I had a debt collector ( child support) harass me for many years I finally put an end to it in 2015 I went to court told the judge and the prosecuting attorney that I wasn't giving another nickel I've never heard from them since 😂😂😂

@MsChynadoll716 Ай бұрын

The method yt videos pointed to isn’t really working for fixing your credit, finance and approvals.. Solvency backdoors is the solution to all bad credit reports, negative items, finance & approvals 👌

@MsChynadoll716 Ай бұрын

Their abilities to swiftly resolve issues with credit distinguish them from those well known companies. You’re the best solvency backdoors keep up the good work and thanks for fixing people’s credit.

@MsChynadoll716 Ай бұрын

Their name is spelt as *solvency backdoors* & are committed to getting dead credit and finance back in track.

@MsChynadoll716 Ай бұрын

I’m glad I was fortunate enough to get to know about their name and looked it up online.

@MsChynadoll716 Ай бұрын

*You also need to look their name up to see their website.*

@landonmillett4717 Жыл бұрын

Hey man quick question. I was in a pretty bad situation about a year ago and had broke my lease to my apartment and had to pay the remainder of the lease. I didn’t ever contact them to pay them. It’s been over a year now and the account just came into my credit report as collections. It’s $5000. I’ve been working hard to get my credit score up and this is really affecting it. What do you think my best bet would be? Should I negotiate and set up payments plans with them if they agree to remove it from my credit report? Or would they even let me do that or would they want the payment in full? I just don’t want to pay that amount of money for it not to matter when it comes to my score. Thanks

@hellohunter8583 2 жыл бұрын

I had a collections contact me on a phone bill back when I was young. I told them “piss off im not enriching you off my downfall. I’ll pay Verizon, not you “ They say “sir they have transfered it to us and want us to handle it” I said “ still no, I’ll deal with them. Your not getting a dime “ I called Verizon and ended up paying Verizon instead. This was years and years ago Collections was mad because they just bought debt for no reason lol

@FrankAvin21 3 жыл бұрын

Can someone tell me why is it that when I ask the collection agencies that if they bought off the account they respond with “we don’t buy debts we are just collecting for the original lender.”

@njeriankh 3 жыл бұрын

It means the money, or at least a portion of it, will go to the original creditor with the collection agencies getting a fee for collecting it. The debt is still owned by the original creditor & while you might see a late or delinquent payment on you credit report, it won't be reported as a collections account.