@creditcoachtiff: If a debt collector says the debt is 100% correct and verified say exactly these words… #debtcollections #creditrepairspecialist #repaircreditscore #debtcollectors #CreditRepairServices
Just don’t answer the calls. If you never engage, many collectors eventually stop calling. Download Credit Karma and dispute the item over a holiday period if you want to challenge it. Once you file a dispute, the credit bureau generally has 30 days to investigate and the furnisher must respond within that timeframe under the Fair Credit Reporting Act. If they don’t verify the information, the item will be removed.
2026-07-26 02:47:27
58
Christina 🌻 :
save what, exactly? you dont allow downloads on your videos?
2026-07-25 13:39:17
90
youchosejay :
Your debt was no longer yours once it was sold to the debt collector. I could be wrong tho. I’m not in debt lol
2026-07-27 19:10:02
4
NV2.0 :
This is meaningless advice, you already agreed to it in the terms and conditions.
2026-07-25 17:20:48
6
Zero Sugar 4 Me :
The debt collector refused and said they are just going to sue me because i'm pretending like I know the law
2026-07-26 01:10:21
2
DrDangerousDave :
you could just not answer the phone..... way easier
2026-07-25 19:14:30
5
🥓💚BubbaDragon69💜🥓 :
I simply tell them this. I did not pay the original creditor what makes you think I'm going to pay you? You bought the debt it's your problem now.
2026-07-25 19:19:20
3
MoonDragonArt :
I have one charge off, debt collectors are still trying to collect it, what do I do
2026-07-26 02:38:06
1
BlueCheeseDog :
They can refuse. I have learned.
2026-08-03 06:24:22
2
3miss3ing3 :
OK, so I took out a mortgage with one lender that lender sold it to another lender does that mean I don’t owe the second lender anything because I never agreed on my mortgage being sold
2026-07-25 14:00:41
9
SusieQ🔮🧿♉️ :
better yet, dont answer and confirm who you are. clock starts over. they can fight amongst themselves in my voicemail
2026-07-26 12:36:20
9
Christi Ballard :
I’ve tried that and they keep calling sometimes eight 8 times a day and tell me the same thing every time that I have to email them and then they will email me that information and then they get rude so I hang up and block the number only for them to call me from a different number
2026-07-26 23:56:07
4
X.996 :
The account agreement is you purchasing the product.
2026-07-26 18:33:18
1
Stephanie B :
I don’t wanna certified mail though. I don’t wanna have to go down to the post office to sign something.
2026-07-25 05:25:22
3
Monique ~ ❤️❤️ :
I just send this exact thing to Midland credit
2026-08-04 22:27:56
1
Worland's Workshop🍉 :
but if you do say this don't give them your address they're supposed to already have your address as well if they don't that's their problem
2026-07-26 20:43:07
6
Rosalynda :
oh don't forget legal chain of debt custody
2026-07-26 01:18:23
4
🌺Damien :
They didnt even have my correct address 🙄 'we sent you letters' to a place i havent lived at in 9 years
2026-07-25 15:23:19
9
chooch :
what is a debt collector?
2026-07-26 02:57:58
2
Lou :
And if they don’t have the address to send it to do not give it to them
2026-07-27 05:08:49
2
Christopher W Binder :
I just tell them I croaked. it's very effective
2026-07-26 17:20:33
1
N0B0DY :
THANK YOU 🫶
2026-07-26 21:09:22
1
ThatUafellow :
I can’t download or save this
2026-07-26 14:19:55
1
Michelle, EdS :
we are dealing with a shady collector. they say we owe a debt I know we don't. it's nowhere on my credit report or my husband's. our last dealing with the original company was before COVID--no longer even collectible in our state even if we did owe them money. so far all they are doing is texting but it's sooo annoying.
2026-07-26 18:49:55
1
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