Debt Removal Secrets
Is The Equifax Extended Fraud Alert Required
To qualify for Equifax's Extended Fraud Alert for personal credit reports, one will need to file a Federal Trade Commission (FTC) Identity Theft Report at IdentityTheft.gov. The Equifax Extended Fraud Alert lasts for 7 years, whereas a standard ...
Can The Validation Process Be Used If Enrolled In The National Debt Relief Program
Only if enrolled in the National Debt Relief Program, and one has NOT signed away rights to fight these debts by creating a new private contract that the debt collector signs themselves.
How Long Does Debt Removal Secrets Take To Complete When Going To Court
Debt Removal Secrets will take approximately 270 days to complete the validation process from the time payments are stopped and the court case is concluded (if one decides to file suit).
Can FDCPA Laws Fight Business Debts
No, FDCPA laws are for consumer/personal debts only. FCRA is generally limited to consumer credit transactions, but it can apply in some instances to commercial credit when involving a consumer. But most importantly, “A national bank has no power to ...
Judgment Has Been Entered Against Me
Demanding validation as shown in Debt Removal Secrets is the only way to reverse a judgement for a debt. One should hold off on signing or sending any additional information. Garnishments require your banking information, so you should not complete ...
What Is An Adverse Action Notice
An adverse action notice is to inform the person applying that they have been denied credit, employment, insurance, or other benefits based on information in their credit report(s). The notice should indicate which credit reporting agency was used, ...
Does A Court Motion Need To Be Notarized
Yes, many states require motions filed by pro se or pro per litigants to be signed in front of a notary public. Even if one lives in a state where it is not required, it is good record keeping to do so anyways.
Original Creditor Claims Contract Requires Arbitration - How To Avoid This
If the original creditor has an arbitration clause, it typically must be honored by the debtor (see citation). Only in the case of debts that are in collections would a debt collector be unable to claim an arbitration clause that was made with the ...
Loan Has Been Refinanced - Who Is Original Creditor Now
When a loan is refinanced a new original creditor may be established. Whoever is the current creditor for the loan is now the original creditor. This new creditor is not to be considered a third-party in equity.
What If Entity Has No Registered Agent To Send Lawsuit Complaint To
A complaint and summons (i.e. lawsuit) must go to the "Registered Agent" of the corporation, or to an officer, director, or managing agent of the corporation. If it is not a corporation, then list the owners of the business as the defendants. If ...
To Remove Student Loan Debts - Should We Sue Department of Education or Service Provider
Yes, the Department of Education can be sued via the Federal Tort Claims Act (FTCA) which allows individuals to use a federal government agency for damages, loss of property, personal injury or death due to negligent or wrongful actions taken by that ...
Can One Remove Old Addresses From A Credit Report
Yes, one can remove addresses from a credit report as long as it isn't currently associated with any reporting accounts. One will need to file a dispute with the credit bureaus to do this. Old addresses don't need to be removed or disputed just ...
How Is A Prior Foreclosure Removed from The Records with Debt Removal Secrets
One would sue the Mortgage Provider rather than the Service Provider for the home loan. Use all the same paperwork from the Debt Removal Secres program and settle, typically in Mediation, to have the record(s) removed.
Can A Person Appear In Court On Another's Behalf Via Power of Attorney
No. One common area of confusion concerns an agent’s ability to act for the principal in “claims and litigation.” An agent may hire counsel to pursue or defend claims on the principal’s behalf and may make litigation decisions regarding settlements ...
Can A Debt Obtained By Fraud Be Discharged
No, fraudulent debts cannot be discharged. The US Supreme Court has held that § 523(a)(2)(A) of the Bankruptcy Code precludes a debtor from discharging a debt obtained by fraud, regardless of the debtor's own culpability.
Does Debt Removal Work with SBA Loans
Yes and no. The program does not remove private loans and secured loans, unless the secured property has already been seized or the borrower is willing to lose the secured asset once beginning the process. Every SBA loan in the SBA's 7(a) program ...
Can A Child Receive A Student Loan If Parent Is Blacklisted From Receiving Future Student Loans
If one has removed their old student loan debts with the Debt Removal Secrets program then the system will blacklist that person so they cannot receive further student loan grants / loans. This applies to those with a CIBIL Score under 650 and even ...
Can Anyone and Any Entity Be Co-Signer For A Student Loan
A spouse, relative, guardian, or friend can be a cosigner; however, only one person can cosign for a private student loan. Even if two people are willing to be cosigners, only one can be. A cosigner is equally responsible for repayment of the full ...
Can Real Estate Secrets Protect Someone from Land Loans and Similar Foreclosure Types
Yes, both land loan and construction loan foreclosures are able to be defeated using the Real Estate Secrets system; however, there will always be a cloud on the title due to this unsettled debt on the real property. There are further [experimental] ...
How To Remove Debt in Other Countries
The Debt Removal Secrets program is only for use in the United States; however, for those in the United Kingdom we suggest reaching out to Solutions You Need UK and learning more about the remedy available for discharging debts.
Can Tickets, Fines, Tolls, Child Support, Alimony or Assessed Tax Debts Be Discharged
Even a bankruptcy will not discharge many tickets, tolls, fines, child support, alimony payments, and assessed tax debts. These are considered non-dischargeable debts, meaning they must be repaid. Though it depends on what the tickets or fine was ...
How Does One Determine How Much To Sue For In Small Claims Court
There are multiple violations that both the creditors, collection agents and credit bureaus violate and can be squeezed for $1,000 PER VIOLATION. See the following excerpt from the Debt Validation Request Letter: V. NOTICE AND DEMAND FOR PAYMENT If ...
Can An Individual's Car Be Taken in A Judgement For Debts Other Than A Car Loan
Yes, a vehicle may be taken by a creditor to pay certain delinquent debts even though one has no car payments and owns the title to the vehicle free and clear. This process is referred to as levy in aid of execution and is carried out by the ...
Does The Debt Removal Program Help Remove Debt Consolidation Loans
Yes, one can remove all unsecured debts save private debts.
Do Government or Court Debts (Judgements) Go Away
Anyone can "ask for validation" of a contract or judgement. A private contract like one has with a home contractor or any federal agency - that debt will need to be paid. The federal and state governments are considered sovereign and therefore debts ...
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, ...
Who Should Be Sued For Invalid Debt Verification & Validation
If one has received a letter, call the phone number listed and inquire regarding the basic information needed: 1) amount of the debt, 2) name of the current debt owner and 3) information to contact the original creditor. If this information is not ...
Can Unlimited Lawsuits Be Filed Against A Debt Collector or Creditor At Once (For Single Account)
One may only file a single case at a time for a single line of credit. On the other hand, if a creditor has given one multiple credit cards, each credit card would result in a separate lawsuit. Once any case is withdrawn from the docket (by you) or a ...
Will Personally Guaranteed Debts Risk My Personal Assets
If a debt is personally guaranteed then the creditor will sue one personally and for personal assets.
When Will The Hearing Be Recorded
The recording by stenographer or pre-set A/V court recording will occur at trial. All the motions, replies and discovery come after the hearing where a judge asks for a pleading. The plea has to be entered, but we give the judge an "unsigned guilty ...
Does Fighting A Debt With A Bank Mean Other Cards and Accounts With The Same Bank Will Be Closed
No. Removing a debt from a bank will not affect any other accounts, save the credit score reduction while fighting the debt.
The Bank Is Requiring Arbitration Instead of Small Claims For The Invalidated Debt
Invalidated debts cannot be required to undergo arbitration because it is a violation of federal law by fraud. The maxim of the law is, “Fraud vitiates all.” and therefore a public court of law is required for such a proceeding. Do not accept ...
Can Cash Advance Debt From A Credit Card Be Deleted
Yes. Credit is credit. These types of debts are always fraudulent.
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 ...
Business Debts, Bankruptcy and Debt Removal Secrets
Bankruptcy is a custom affair with each situation being unique to that business. It all depends on the company, its debt amounts and continuation issues at hand. Does the business have other lines of credit that can be willingly reduced, without ...
What is The Difference Between Discharge and Charge-Off in Debt
The bankruptcy "discharge" is a court order that the creditors who are owed money, cannot do anything to collect those debts from the debtor. If the debt is marked "charge-off" then the debt is still the consumer's legal responsibility, even if the ...
Debt Removal Secrets Cheat Sheet
1. Get credit report. 2. Opt out of bureaus & wait 10 days. (optional) 3. Send DEBT VALIDATION REQUEST letter to creditor/collector. 4. Wait 10 days. 5. Send NOTICE OF FAULT AND OPPORTUNITY TO CURE letter to creditor/collector. 6. Send CREDIT BUREAU ...
Can Back Taxes or Taxes Owed Be Removed with Debt Removal Secrets
No, back taxes are related to taxable events (typically from the use of private credit) and therefore will always be due. These are not debts created from thin air, which is why Debt Removal Secrets works so well - these are debts created due to 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 ...
Are Certain Original Creditors Harder to Delete The Debt Than Others?
When the debt is held still by the original creditor and it hasn't been sold yet (e.g. 90 days past due), then the original creditor who servicing the debt can matter. On the other hand, if the debt has been sold, then the original creditor does not ...
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