25 thoughts on “Requiring Debt Collectors to Verify or Validate the Debt-Your Secret Weapon against Debt Collections

  1. stromak says:

    Good video, but I don’t recommend to ‘dispute’ anything. Just say you
    accept the debt and will be happy to pay IF they prove there is such a
    thing. They’ll never be able to do that. No dispute necessary.

  2. Fightdebt says:

    @stromak Thanks for the comment. May not matter, but I prefer the clearness
    and unambiguity of disputing. Don’t want the lawyer for the other side
    saying to the judge or jury, that “she said she’d pay if we gave her the
    validation,…”

  3. stromak says:

    @Fightdebt I prefer no dispute – hence, no court 🙂

  4. stromak says:

    Unles there is a dispute, they can’t sue. Never enter dispute, leave them
    helpless.

  5. maria wasti says:

    ” Mr Ken is help from God for me. I came across with such a great person
    whose products are not for such a minimal price but most of all his help
    and sincerity is marvelous. I won my case because of Mr ken
    products,suggestions and his availability for people like me who are in
    desperate need and don’t know where to go. I won my case. It gave me so
    courage that i am ready to fight the rest of BSitters” Maria – Illinois

  6. Mike Dixon says:

    i dont know about this one. i did and the collector sent a copy of bill
    statement, and signed copy of the application.but not a contract

  7. FriendlyWalrus says:

    I have a question…Ive started to get messages from a debt collector
    regarding a recent debt. I’m wondering, when the collectors first start to
    make contact with you has it already started to affect your credit report,
    or does that only start to happen after a period of failing to pay?

  8. Fightdebt says:

    Thanks for the question. It depends. Some reporters report all
    delinquencies 30, 60 and 90 days late, etc., so probably if you have one of
    these your report has been damaged by the time they start calling. Others
    will wait and not report till they’ve given you a chance to pay up. But if
    it’s gone to collection, and specially if it’s been sold, damage has
    probably been done. You could find out, though, by getting your credit
    report.

  9. FriendlyWalrus says:

    I have one more question: how do you go about disputing the debt? Without
    wasting too much of your time with trivial details, the debt in question is
    from my (old) cable company, who it seems continued to bill me after I
    called attempting to cancel my service when I moved a few months ago. Since
    it has been sent to a third party collector, should I take this up with the
    cable company themselves, or is it no longer their problem and my fate now
    lies in the hands of the collector?

  10. Fightdebt says:

    That’s very simple: just write and say “I dispute this debt. Please send
    verification as required by law.” Can’t answer your other question. It
    depends on who owns the debt. If the creditor has sold it, then paying them
    doesn’t do any legal good. But if they still own it, then they may still
    want you to go through the debt collector, but… I wouldn’t. Only the
    creditor who still owns the debt can actually clear your credit report. For
    more, check out articles on my site.

  11. Fightdebt says:

    I do sympathize with the desire to “see them in hell before paying,” but I
    don’t suggest this kind of stance. Good credit – as good as possible – is a
    help towards a better life and should not, in my opinion, be casually
    sacrificed. Maybe better to pursue remedies through the BBB or other local
    government. But hope what you did works out for you.

  12. rar6178 says:

    what happens if you get a letter from an agency about a debt they say you
    owe but its not on your credit report.

  13. Fightdebt says:

    This really isn’t true. They do not need a dispute. They merely need to
    prove a failure to pay when due (a “breach” of contract). In my opinion
    you’re looking for a “silver bullet” that doesn’t exist.

  14. Fightdebt says:

    If you have disputed the debt and claimed that the product was defective,
    you should also have a right under the FTC rule that provides that a
    consumer has the same rights against whoever owns the debt. Thanks for your
    comment. Sorry for the delay in responding. Youtube has gotten a little
    tricky about comments.

  15. kcphaid says:

    But what if I am not the person they are trying to collect from ,but keep
    calling me anyway? How do I fight that?

  16. joelchummel says:

    I might be missing the gist of what you are saying, but it’s not about what
    they can say, it’s about what they can PROVE, and you are entitled to a
    copy of that – a.k.a. the debt validation, and by law, if they can’t
    provide that, they don’t have a case anyway.

  17. 1dducks says:

    A friend asked…Can a debt from another country like Canada be easily
    perused in the USA? Is it common for a debt to be domesticated by a
    creditor? Can they still get a judgement here?

  18. Fightdebt says:

    Is it “common?” Well, certainly not like, “every time.” But if you mean
    does it happen often enough so that everybody with the business of doing it
    pretty much knows how to do it, I’m sure the answer is yes: it is fairly
    routine. It isn’t all that easy, though, for a smaller operation, and it
    does require expense, so in any given situation is probably unlikely to
    happen. Specially for a small debt.

  19. Fightdebt says:

    I am occasionally criticized for using words like “probably,” “might,” etc.
    That isn’t the sign of lack of expertise, but rather the opposite. The
    legal system is not mechanical. It’s run by humans, and as most people who
    have been caught up in it will know, that means it isn’t always completely
    predictable. That’s something you should never forget.

  20. kaiok1777 says:

    Hi, how do you know if the debt is with the original client, is being
    recuperated on behalf of the client via a debt collection agency or has
    been bought by a debt collector (usually at a % of the original amount) –
    does a verification reveal this?
    Is an invoice a reflection of the true debt – in my case it was a claim for
    damages and repair to a vehicle in a car crash, I was riding a motorcycle
    at the time and damages to the car was $20k (itemized repair bill- I didn’t
    have insurance) – BTW I nearly lost my life, multiple fractures, open
    wonds, lacerations etc, occupants of the vehicle were fine. How can one
    find the actual amount owed, which could be significantly less if the debt
    has been bought? I have already signed up for a repayment plan because I
    got a letter saying I would be taken to court if I didn’t pay and they sent
    me letters whilst I was still in hospital getting treatment (6-8 month
    stay), now I am finding difficult to keep up with payments.

  21. Alex Povolotski says:

    Stand up for your rights, people! It’ll save you a lot of money!

  22. Subpilot57 says:

    Asking them to call the company and ask – “is this the guy?” and they say,
    “yea thats him/her.” is still not verification ie., proof of debt. I would
    think they would need to show a valid contract w signature and or a linked
    social security number etc. I recently received a summons to answer a suit
    for $12k which was not mine, but someone with the exact same name. I sent a
    reply to the court saying the plaintiff lacked standing etc because they
    had the wrong person and could not prove I owned the debt because there did
    not exist a contract with my signature or SS# linked the account. The
    plaintiff dropped the case as soon as they received a copy of my response
    by certified mail. However, had I not answered the complaint within 20
    days, the plaintiff would have asked for judgement against me and received
    it. What I am looking for in these videos is some verification to the
    question: Is the debt collector obligated to PROVE via contract w signature
    or SS# linked to the debt – that YOU are indeed the defendant they are
    after? I would think they were, otherwise, anyone could say, “that person
    never paid this bill” etc – make the whole thing up and sue someone.
    Granted somewhat unlikely, but the point is, it really boils down to their
    word against yours, and that alone proves nothing in court, but they seem
    to be getting away with it anyway.

  23. Eric D says:

    They should go away if they can’t prove it. They make mistakes too. A
    hospital tried to sue me for a procedure to remove my appendix. But they
    got the wrong guy! They bothered me for months, until I agreed to go to
    court and show the judge that my appendix was still there!

  24. joe marrero says:

    The Importance of the Teleconference Call
    Listening to “Your Legal Leg Up on YouTub” equips one with the basic
    understanding of what to expect and Ken’s course material goes into more
    deep with an abundance of examples. However, the teleconference puts all
    the material in perspective by listening to real stories. Ken is a wealth
    of knowledge, he informs one not only what to include or say but more
    important what not to include or say. As one reads the materials, there is
    always question and the teleconference give you an opportunity to resolves
    your question. You will hear other people’s question(s), which you may or
    may not have thought of, and how Ken resolves and elaborates on the issues.
    To fully understand the material, I believe listening to the teleconference
    call is a must.
    Joe M.

  25. Jim Wizco says:

    I use a very specific validation letter every time a debt collector (of
    unsecured debt) has tried to collect from me. It asks very specific
    questions which are perfectly legal to ask and they can’t answer because
    they don’t have the specific info I’m requesting. About 95% of the time
    they never send me another thing. It even has worked with debt collection
    attorneys’. One company even sent me a letter after my validation of debt
    letter saying they deleted their account from my credit report.
    Send everything certified mail with electronic return receipt requested.
    Keep track of everything they say if you talk with them and everything they
    send you, save! If you want to pay the debt, pay the original creditor, not
    those debt collecting vultures! I’ve also had (2) suits with debt
    collectors dismissed. I answered the suits myself. One of the suits
    involved a larger law firm that did collections for the city of Milwaukee.
    Make sure they do that with prejudice if they offer you that. Times are
    tough, stand up for your rights with these people, don’t be intimidated, be
    informed and use the law against them. Best thing to do, don’t live beyond
    your means and use a debit card instead of credit cards.

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