Why you shouldn’t🔥 pay collections 💊

I used work for a collection agency as a skip tracer. If the debt collection agency purchased the debt without your permission, too bad for them. NEVER acknowledge a debt to a collection agency - the moment you agree to work with them or even sound like you are going to work with them, then you are on the hook. Even asking for proof of the debt can be construed as an agreement because of the words you use. Never say, " I'll work it out with you, but first send me proof." Always ask for the proof without any other remarks. You can say that if you owe a debt to the company they claim to represent, you will pay that company directly because you are not contracting to pay your debt to anyone else. Even if the agency claims to be a law firm, you are under no obligation to pay them anything if they purchased your debt, unless you have agreed to do so. Here's how it works: Debt collectors purchase your bill from your true creditor, who has written off your debt. This means that they have, behind your back, settled your debt because the collector basically paid it for you - without first notifying you of their intent and giving you an opportunity to either agree to the sale or to protest it. You have not contracted with the collector until you agree to pay them. Next, they claim to be representing your (now former) creditor, insinuating (if not outright claiming) that they are collecting on their behalf. They will never tell you that they purchased the debt until you pin them to the wall, so to speak, about it. This is because they know that until you agree to a contract with the collection agency - either verbally or in writing - that you don't owe them a dime, and their goal is to trick you into a contract. And they are very good at that. If a debt collector contacts you, do ask for proof of the debt and who owns the debt. After you receive what they have to offer, tell them - especially in writing - that you do not agree to conduct business with them on this case, and to cease and desist all forms of contact and attempts to contact, - that means phone calls, texts, calling other people or your employer, "snail mail", e-mail, personal contact (in person or via fake process servers), and so on. It is very important to specify "on this case" if you have ever conducted business with them before on another case. Otherwise, they could have you on the hook because of the past. Also, these collectors often use more than one agency name so that they can report you multiple times to various credit reporting agencies, meaning that your original debt doesn't "fall off" your credit report after the mandatory 7 years. So you may have made one company name think you would work with them, then they claim to hand it off to another company when it is really the same company. Additionally, many collectors are working without a collector's license, and if they are not licensed in your state, then they cannot legally go after you in that state. If you ask a collector for their license information, and they refuse to provide that, document that and end the conversation, then report the matter (and any other harassment or unfair practices on their part) to your state's Attorney General's office. So beware! Collection agencies often engage in unfair collection practices and can be held accountable for that. Portfolio is one agency that has been in court numerous times for that and has been made to refund people and pay fines, but they still engage in those unfair practices.

Debt Validation Claim: 15 USC 1692 G - 1. Full detailed list of Payment History 2. Show original signature on the Contract for this Creditor 3. Has there been any insurance claim found on this debt 4. Show Proof of Chain of Title to collect on this debt

💚🐸 😁wraps it up

Yep I just got my 4th lawsuit where debt collectors tried to sue me and I got all 4 dismissed this way.

💚🐸That’s good news💃💪

In 2008 when they bailed out the banks, I said F this to paying $18,000 in CC debt. I never responded to collections thru a single piece of mail or phone call. After 5.5 years my debt was erased. It doesn't even show on my history. Today I have a score of 840.

Collection called about a hospital bill. I asked them to mail me something showing because of phone scammers and I needed to review it. They never sent.

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For a company to sell a debt to a collector is also a violation of contract law, called "Novation" to Novate, all three parties must approve a transfer of a contract. If you pay an agency a single penny, it starts the clock all over again.

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