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NowhereMan
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NowhereMan
@Thomas2374
Philosopher, Mountain lover, seeker,. “Yesterday I was clever, so I wanted to change the world. Today I am wise, so I am changing myself." -Rumi
Dallas, TX Katılım Ocak 2009
4.1K Takip Edilen2.7K Takipçiler
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Want an easy way to do some real good in the world? Join me on Kiva! kiva.org/invitedby/tom6…
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i pray debt collectors call me
last month one called about a $4,300 medical bill. i let him do his whole speech. then i said six words:
"is this debt past the statute?"
silence
in 38 states, debt expires after 3-7 years. once it passes the statute of limitations, they cannot sue you for it. legally. the debt still exists on paper but they have zero enforcement power
they're calling you hoping you don't know this. because the second you make a payment, even $1, the clock RESETS and they can sue you again for the full amount
that's why they say "just pay $50 to show good faith." that $50 reactivates the entire debt. it's a trap and they know exactly what they're doing
the play when a collector calls:
step 1: say nothing about paying. say this: "please provide written validation of this debt under FDCPA Section 809"
they are legally required to stop all collection activity until they send you written proof. most junk debt buyers can't produce it because they bought your debt in a bundle for 4 cents on the dollar and don't have the original paperwork
step 2: check your state's statute of limitations at your state AG's website. if the debt is past the SOL, send this letter:
"this debt is time-barred under [state] statute of limitations. any attempt to collect or sue is a violation of the FDCPA. cease all contact immediately"
step 3: if it's on your credit report and it's past 7 years, dispute it. "this account exceeds the FCRA 7-year reporting period. remove immediately." bureaus must remove it within 30 days or face $1,000 per violation
i helped someone wipe $23,000 in zombie debt in one afternoon. four letters. zero dollars paid
the collectors who called her every week? gone. the accounts on her credit report dragging her score down 80+ points? deleted. she went from 588 to 691 in 45 days without paying a cent
debt collectors buy your old debt for pennies and try to scare you into paying full price. their entire business model depends on you not knowing your rights
now you know
(link in bio. i delete debt and fix credit scores)
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Want an easy way to do some real good in the world? Join me on Kiva! kiva.org/invitedby/tom6…
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@WebullGlobal Why don’t you fucking do something about your stock
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Want an easy way to do some real good in the world? Join me on Kiva and invest in Labinot’s success in Kosovo! kiva.org/invitedby/tom6…
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Want an easy way to do some real good in the world? Join me on Kiva! kiva.org/invitedby/tom6…
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Want an easy way to do some real good in the world? Join me on Kiva and invest in Tahiana’s success in Madagascar! kiva.org/invitedby/tom6…
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Want an easy way to do some real good in the world? Join me on Kiva! kiva.org/invitedby/tom6…
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@Acyn Some reporter in real time needs to ask Chatgpt everytime that couch fucker talks and play it loud on speaker
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Want an easy way to do some real good in the world? Join me on Kiva and invest in Mugisho’s success in Uganda! kiva.org/invitedby/tom6…
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@John_Beckham14 My recommendation is everyone simply stop posting anything about him. He will fade into the ash heap of history.
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