mikewas, to random
@mikewas@esq.social avatar

Debt collectors don't have to prove anything to you.

There's only one time a debt collector has to prove anything, and it's never in response to a letter or other dispute from you.

👇

mikewas,
@mikewas@esq.social avatar

The law does NOT require them to send you "proof" of the debt after you dispute.

It does not require them to send you proof of ownership.

It does not require them to send you a wet-ink contract.

It does not require them to send you anything at all, besides the most basic information about your account.

The only time they have to prove anything is... when they're in court.

👇

mikewas,
@mikewas@esq.social avatar

If they sue you for the debt, then yes, they'll have to bring evidence of the debt and their right to collect.

But what if they don't sue you? What if you still want proof?

👇

mikewas,
@mikewas@esq.social avatar

Then you find a way to sue them.

We've got a free email course on the 53 ways a debt collector might break the law in a way that allows you to sue them. And when you sue them, you get to expose the fact that they can't prove the debt. (And that, too, is a violation by them.)

Want to find out how to take a debt collector to court? Go to the link below.

mikewas,
@mikewas@esq.social avatar
mikewas, to retirement
@mikewas@esq.social avatar

A lot of people think they can't be garnished but they don't really know what that means.

They've seen videos or read information telling them that certain income sources, like social security benefits, can't be garnished by a debt collector, and they think that makes them safe.

👇

#FDCPA #DebtCollectors #JudgmentProof #SSD #SSI #DisabilityBenefits #Retirement

mikewas, to random
@mikewas@esq.social avatar

It's polite to respond to a letter.

But it's not required.

When you send a dispute letter to a debt collector, you might think they have a certain time limit to respond to you with the requested information.

A lot of people do think that.

But it's wrong.

👇

mikewas,
@mikewas@esq.social avatar

A debt collector never has to respond to you if they don't want to.

They just have to stop collecting until they do.

So if you've sent a dispute letter and you're looking into an empty mailbox, it's likely they've just given up on you.

And sometimes, that's exactly what you want them to do.

DeniseGutzmer, to random
@DeniseGutzmer@ieji.de avatar

Four of Nebraska’s largest school districts use #debtcollectors to go after unpaid #lunchtabs

An elementary school boy ate $194 worth of lunches at school in Lincoln. When his parents failed to pay the entire amount, the school district referred the rest, $53, to a private #debtcollectionagency that sued the boy’s parents.

The #Nebraska Legislature is considering a bill that would ban the practice of sending unpaid school meal debts to collection firms.

#NEleg

https://flatwaterfreepress.org/four-of-nebraskas-largest-school-districts-use-debt-collectors-to-go-after-unpaid-lunch-tabs/

mikewas, to random
@mikewas@esq.social avatar

It's a nasty surprise, and it comes from the worst possible place: your boss.

When a debt collector garnishes wages, the first person they have to tell is not you—it's your employer. So the garnishment is almost always a surprise.

Even worse, many people who get their wages garnished don't even realize there's a court case against them.

Here's what you should do if you get a garnishment for a debt you didn't know about.

👇

CharlieMcHenry, to CreditCards
@CharlieMcHenry@connectop.us avatar

If you have and some third party is trying to collect from you, you really need to read this: Credit card debt collection and how you can thwart the system by standing up for your rights. “The debt collection industry is… among the most odious hives of scum and villainy as exists in the United States. The business is sordid and virtually immune to reform, despite decades of trying.” https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

bobjmsn, to random
@bobjmsn@mastodon.scot avatar

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 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 to chase her family for payment and reported the debt to the who refused her mum a visa because of their NHS bill.
Petition:

https://chng.it/5MV5WpgCcL

mikewas, to random
@mikewas@esq.social avatar

Finding a debt collection violation gives you so much leverage, it's worth knowing what to look for.

Here are some common ways debt collection communications break the law:

👇🧵

mikewas, to random
@mikewas@esq.social avatar

When should you ask for the "wet-ink" contract, if you're dealing with a debt collector?

Should you do it in your dispute letter?

Should you wait until you're in court, challenging their right to collect?

Should you do it with an ID theft case?

👇🧵

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