Three calls in thirty days.

That's what debt collectors get under recently-announced FCC regulations, when they use prerecorded messages to call you on your landline. (Do you even have a landline still?)

If they violate this limit, that's a violation of the Telephone Consumer Protection Act. That violation gives you leverage by giving you grounds to sue.

Just another way for you to win your Total Victory over debt collectors.

#FDCPA #DebtCollectors

Omisha was just 10 months old when she was diagnosed with a rare form of cancer. She needed a liver transplant and several rounds of chemotherapy - the #NHS saved her life.
Omisha was born in 2019 in Britain, but because of her parents’ immigration status, she was charged £76,000 for her care. The hospital sent #DebtCollectors to chase her family for payment and reported the debt to the #HomeOffice who refused her mum a visa because of their NHS bill.
Petition:

https://chng.it/5MV5WpgCcL

That debt collector is probably breaking the law, and that means you have the power to fix the problem.

But you've got to be willing to do what it takes.

I'm not talking about writing a letter or calling them on the phone.

You need to take them to court and make them pay.

#FDCPA #DebtCollectors

It's a nasty surprise.

Some debt collector you've never heard of lists a collection on your credit report.

They're never written to you, or spoken to you on the phone, or even sent you an email.

But they've listed a collection on your report without giving you a chance to dispute it.

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#FDCPA #DebtCollectors

…When you sue for this violation, you not only get to recover damages, you can make them remove the false reports. And depending on the size of the debt, you can make that go away, too—forever.

So if they're spreading lies about you, now you know what you can do.

#FCPA #DebtCollectors

…And the CFPB isn't your personal army—they'll just close the complaint as soon as the debt collector responds with a denial.

But a lawsuit works because it hits them exactly where it hurts—their wallets.

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#FDCPA #DebtCollectors

…Because nothing else works to fix the problem.

They'll ignore your letters and waste your time on the phone.

They don't care about their BBB ratings (They're debt collectors. Of course their ratings are bad.)

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#FDCPA #DebtCollectors

…We filed a lawsuit, right away.

The Fair Debt Collection Practices Act bans debt collectors from putting false information in your credit report. If they break that law, you can sue them.

Why sue them?

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#FDCPA #DebtCollectors

We caught them in a lie.

The debt collector had put false information on their credit report, and we caught them doing it.

So what did we do next? Rounds and rounds of letters? Try to call them on the phone to fix it? Report them to the Better Business Bureau or the CFPB?

Not even close.

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#FDCPA #DebtCollectors

…

So when the judge says "Do you admit or deny the debt?" or "Is the debt yours?" you just say:

"I'd like to dispute the claim."

You can always change your mind later if you must.

#FDCPA #DebtCollectors

…

Unless you're 100% sure they have the legal right to collect from you (and if you're not a lawyer, you probably don't know that) it's perfectly fine to tell the judge you want to dispute the claim.

You're not lying to anyone. You're just saying you'd like them to prove their case.

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#FDCPA #DebtCollectors

…

By admitting it, you've given a green light to the court to enter a judgment against you.

You've basically given permission to the debt collector to garnish your wages, seize your bank accounts, and conduct a very intrusive examination of your finances.

What should you do instead?

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#FDCPA #DebtCollectors

"It's mine, but I can't afford it."

Every time we're in court, we see dozens, sometimes hundreds of other people showing up for their court date, making the worst mistake they could.

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#FDCPA #DebtCollectors

If they leave out just one, you've got them where you want them.

That's why you want to know the five things EVERY debt collector must tell you when they start contacting you about a debt:

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#FDCPA #DebtCollectors

You get that by making a plan, sticking with it, and following through to the end.

The plan for your Total Victory is our Debt Collection Battle Plan.

Ask us about it.

#FDCPA #DebtCollectors

You're not going to get that by hiding behind an arbitration clause.

You're not going to get that by demanding they show you a "wet-ink" contract.

You're not going to get that by hoping they don't show up in court.

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#FDCPA #DebtCollectors

Here's what a Total Victory over your debt collector looks like:

1. The debt is erased, forever.

2. Any black marks on your record, gone.

3. You pay them nothing. They pay you.

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#FDCPA #DebtCollectors

We recommend you do this in writing if at all possible, sent certified mail with the return receipt requested. If mail isn't working, a phone call might start you on the right path.

We hope you're all safe and getting back to normal quickly.

#FDCPA #DebtCollectors

In the wake of Hurricane Idalia, you may be wondering how you're going to make your mortgage payment tomorrow.

If the storm has left you unable to make your monthly payment, contact your mortgage lender and ask if they are offering a "forbearance" — a pause in your mortgage payments — to those affected by the storm.

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#FDCPA #DebtCollectors

You've already got it.

When they break the law, you sue.

And when you sue a debt collector, the question is how much THEY pay YOU instead of the other way around.

So skip the other steps and go straight for your Total Victory.

#FDCPA #DebtCollectors