The credit hacker.

Be sure to thank them for paying off your bill. Because by legal authority, you never signed anything with them. Then hang up.

I am testing this now. Just disputed something in the last 15 minutes.

I disputed a collection on my credit and said I did not sign a contract with this company and it fell off my credit in less than a month.

What they need is your wet signature and of course they don’t have it. Because that was the security that created the note. And they don’t have the original note, hence, chain of custody

My dad told a debt collector who called when I was in my 20s broke living at home, "Don't call my phone again, you guys made a bad mistake lending this idiot kid money, what the fuck were you thinking? He's a broke idiot" never heard from them again, ever.

I would do this and I do believe in paying my bills, but when the hospital charges you 50k with a 10k copay when the cash price is 3k they can go fuck themselves.

Pay your bills and 💯% of debt collectors will disappear

just PAY YOUR BILLS lmfao, the ultimate credit hack.

Yeah, but how about, pay your bills? Problem solved and no one gets FUCKED OUT OF WHAT YOU OWE THEM, ASSHOLE!