How To Get The Same Credit Card After The Debt Removal Process

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• What If The Original Creditor Still Has The Debt or Shows On The Credit Report

  If the debt has been "discharged" or shows something similar on one's credit report, the debt note has been sold to a third-party debt collector already. While the debt collector may not have reached out to collect the debt yet, one may still send a ...

• The Collection Agency Sent The Account Back To The Original Creditor

  Despite what a letter may say (see example attached) about a debt collection agency "returning the account to the original creditor" - it's just not true. Should one receive a reply like the attachment, continue with the debt removal steps as usual ...

• Judge Said Original Note Is Not Necessary | Verification of Debt

  This is a blatant misrepresentation to keep one from exposing the truth. The Judge is in most cases using the words VALIDATION and VERIFICATION interchangeably, but they are very different in their meanings. The Chaudhry v. Gallerizzo case upheld a ...

• The Debt Collector / Attorney / Law Firm Says They Represent The Original Creditor

  Unless they are the original creditor themselves - this is doubtful. The debt collector can legally say they “represent the original creditor” because a debt buyer may go forward under the authority of the original creditor to pursue a debt. Thus, ...

• What If The Lender Denies Someone For The Same Credit Card

  The lender would only deny one if the process was only executed on the credit reporting agency. If the process has been done to completion where the original creditor or debt collector has removed all record of the debt, the same card can be obtained ...