THIS is how I got a $6,000 Settlement from a debt collector

She’s very accurate except for one important part: you have to request preferred communication in writing. “I told them on the phone” will not hold up in court.

How about you just pay your bills.

weird, I just pay my bills and keep them out of collections

Be sure to record you telling them that. My phone has a record function for calls. There are probably some other apps to do this as well. Also be sure to inform them you are recording.

Or just pay your bill.

The dumbest thing you can do is hire a debt settlement specialist my bf is one and they charge thousands to settle your debt when you can literally call them yourselves and settle it without having a middle man

Aww look at me 🫶🏽🫶🏽. All of what I said is 100% true. No, you don’t have to put it in writing, this isn’t a cease and desist; you don’t have to record it, you can request the transcript or recording during discovery if it even comes to that.

Never do this. Ever. Until they send you court documents looking to get a judgement, ignore them Most of the time if they cannot locate or find you, they will limit their collection attempts. In most states after 4-5 years they can’t legally obtain a collection then you’re free

Yea don’t listen to that shit Don’t answer their calls and block inquiries on your credit. If they can’t confirm you are after a matter of month it will subside.

@grok any truth?

Yes, there's truth to parts of it. Under FDCPA, debt collectors can be sued for violations like harassment or ignoring cease requests, leading to settlements (e.g., $1k statutory damages per case, sometimes more with multiples or damages—examples include $1.5k-$83M awards). However, ceasing calls legally requires written notice, not verbal. The $6k claim is plausible but verify with a lawyer for your situation.

@bonk333 @Brown_World7 What about text

Yes, text messages from debt collectors are covered under FDCPA rules, similar to calls. They can send them if they follow consent and verification procedures, but you can stop them by sending a written cease-and-desist notice. Violations, like ignoring it, may lead to lawsuits and settlements (up to $1,000 statutory damages per case, plus actual damages). Consult a lawyer for your case.

@tuccituu @bonk333 @Brown_World7 Can texting "stop" count as a written letter ?

No, texting "STOP" typically opts you out of further texts under CFPB rules (Regulation F), but it may not fully count as the "written" cease-and-desist notice required by FDCPA to stop all communications. For that, send a formal letter or email compliant with E-SIGN. Verify with a lawyer for your case.

@tuccituu @bonk333 @Brown_World7 Ok so email is considered written instead of text. No problem

@tuccituu @bonk333 @Brown_World7 Yes, email can qualify as a written notice under FDCPA if it meets E-SIGN requirements (like being verifiable and retainable). It's often more effective than SMS for formal cease-and-desist. Always keep records and consult a lawyer for specifics.

Brown thoughts are always wrong thoughts. Your seven years starts after your last conversation with a debt collector.

Better yet, PAY YOUR FUCKING BILLS AND THEY WON'T BE CALLING IN THE FIRST PLACE.

doing everything but pay the debt u made, got it

Or just pay your fucking bills.

Imagine going this far out of your way to welch on your debts.

I did this and got a $7,000 settlement. It works

If this works in Nigeria, a lot of Nigerians will not pay their debts to loan sharks

Do you have a class or a service? This works on America?

Or, hear me out, pay your bills.

So she is just a piece of shit scamming companies and teaching others how to too. Fun times 🙄

More info plzzz!🙏🏽😇

Cappppp this bitch lieing through her busted teeth

Pay your fucking bills.

Thank you!

And then you should tell them you are a sovereign citizen and that you do not recognize their maritime law, and then get them to admit that ‘birth certificate’ is actually a ‘berth certificate’, and tell them you do not answer questions. They will hang up and resign

𝐰𝐢𝐜𝐤𝐞𝐝𝐧𝐞𝐬𝐬 𝐩𝐫𝐨 𝐦𝐚𝐱...

I can't get Veronica to stop calling about a loan that's being processed

How about just paying what you owe?

Or just pay your bills.

Does this work for child support?

This is whats wrong. Pay for your shit.

How about just pay your bills

Trying to set a mf'er up big time

Not at all, they will report to the credit bureau that they may contact and make it seem like this debt just occurred. In all reality. It could be like 2 to 3 yrs old.

Why she driving while saying all this ? She on the way to the debt collection office or sum?