They sell to another Debt Buyer. I Sent a letter to Midland LLC. The Only Response back was Jefferson Capital on My Credit Report with the Debt. That’s how they Operate Also. I finally got them when they Sent me a letter stating they had A Witness who Verified the Sale. My Response was I want a Jury Trial with the Named Witness. They Deleted.

I’d like to see the full dispute letter please. Thank you for your videos.

I finally looked at my credit reports only to see that Plaintiff marked the accounts as Disputed just before they sued me. I'm playing catch-up now--I want that dratted Purchase Agreement. If I write to Plaintiff now, they have already marked the account as disputed. Thank you for your enduring my comments on every video I see.

I would love the full letter

Wow, great information. Thank you 🙏

Thank You for sharing! Your videos are always on point!

Good deal! I really want to try this method with Portfolio Recovery!

Very informative and powerful information. Thank you very much John!

Thank you!!! Great video as always!!!

I Know this is an old video but you've always been good about responding. What would you ask for if this debt isn't a credit card but is a debt from an eviction? For example, I don't have an application for credit but I'm hoping the rental application would be the equivalent? And the lease would be the equivalent of the credit card agreement?

Three questions, please: 1. Does it make sense in a dispute letter to the credit reporting agencies where the item is marked as disputed to accuse the collector of debt parking , but the collector is not pursuing the claim? 2. Is there an agency to report debt parking violations? 3. Isn't derogatory credit reporting a part of debt collection? Thank you for all your help!

Awesome video... I was mixing e(8) with the third party communication. It means...instead of sending a collection letter to the consumer -- furnishing information is a violation. Am I correct? I think the most important thing is disputing the amount first as you said in the video. Later, it's a good case to sue them for e(8), business law violation, and any state law violation.

🔥landed🔥

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Good morning Sir' I have a few questions Mr. John Watts...by the way Thank you for your terrific insight in helping people who are dealing with these debt collectors👍👍👍🙏I pulled my credit report soon as I found out I was being sued by portfolio. Found out that portfolio recovery has two more accounts on my credit report...Is this legal?!!! Are they doing something illegal?!!! Fdpca wise?!!!Going to court tomorrow with portfolio. Killeen Texas. Any insight would be Greatly appreciated in the matter!!! Thank you again. Keep the videos coming to shed light on these debt collectors.🙏 .Mr.R.

Hello @JohnWatts would appreciate a full dispute letter. Thank you

Good evening Mr. Watts. I would like access to the full dispute letter.

I want full letter

👍 I live in Alabama. If someone like Portfolio is trying to collect an old debt - beyond the 3 years statute of limitations - should that be included in the initial letter? I have sent them letters before telling them they are reporting an uncollectable debt but it’s still there. I feel I need to start over and stick to a plan to get it removed. Also at what point do you address the “aged off” uncollectible issue with reporting agencies? Thanks again and Merry Christmas 🎄

Did I understand you correctly to the say that if the credit report has a notation of the account being in dispute that simply by having that dispute notation it nullifies any negative effect in the credit score modeling

Thank you John, any way i could a full copy of the letter?

And a fourth question (sorry): Should a copy of the dispute letter be sent to the credit reporting agencies as addenda to the dispute? Thanks again.

Can you send a dispute letter after the collection company has sent it to an attorney and they have sued. Also what constitutes updating a credit report? I notice in some accounts there is a field that says last updated years ago but each month they are reporting c/o

Does metro 2 reporting falls for original creditor? What if they update instead of deleting

debt collectors are trying to re instate old medical debt from me what do i do

Do you advise sending a Debt Validation letter to Midland, Portfolio Recovery, Resurgent.

I have four accounts open with one collector, should I send each letter separate and certified or can I send all four letters, one for each account in 1 certified package?

What is the impact if any when the Credit Report says - Consumer Disputes - Meets FRCA Requirements..."

Hey John! For Alabama - I researched where SOL is 6 years but for credit card debt it's 3 years (According to 6-2-37) - are both of those correct? I have 2 CC accounts out of SOL if that is indeed true and want to know how to dispute this.