Debt Removal Secrets
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 ...
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
The debt can still have one "ask for validation" but if it's a private contract like a contractor or federal agency - it'll need to be paid. The federal and state governments are considered sovereign and therefore debts to sovereigns do not go away – ...
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 Once any case is withdrawn from the docket (by you) or a ...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 ...
Can An Attorney Handle The Debt Removal Lawsuit Instead of Me
Yes, having an attorney represent one’s interest in court if a great idea when they understand they are challenging the debt due to failure to perform proper validation and verification, including the bank’s inability to lend their own credit - so ...
5 Tips for Dealing with Debt Collectors
1. Debt collectors are not allowed to call before 8 a.m. or after 9 p.m. They must also stop all calls when requested by Certified Mail. 2. Most credit card accounts have a one-time settlement rate that’s preapproved by the debt collector. It is ...
Does Debt Removal Secrets Work For Business Debts (LLC, Corporation, Etc.)
The FDCPA applies only to the collection of debt incurred by a consumer primarily for personal, family, or household purposes. It does not apply to the collection of corporate debt or debt owed for business or agricultural purposes. Despite this ...
The Account Is CLOSED But No Debt Collectors Have Contacted - What Next?
If 90+ days has passed and the original creditor has closed the credit account, it will immediately be sold to debt collectors. Be aware, it takes debt collectors time to initiate a collection process as they purchase "bulk debt bundles" and have a ...
Can Anyone Go To Jail From Unpaid Debts
The Bill of Rights under Section 20 of Article III of the 1987 Charter states that, “No person shall be imprisoned for debt,” which means debt collectors won’t be able to send one to jail for not being able to settle a debt.
What If The Debt Is Private & Doesn't Report to Credit Bureaus
The wet-ink argument is all that exists for private debts that do not report to credit bureaus. If the creditor did not sell the note to the Federal Reserve, a debt collector or fund the loan with outside assets - it remains private. Virtually all ...
Does This Work For Federal and Private Loans
Does the loan report to the credit bureaus, if so the debt can be removed.
How To Get The Same Credit Card After The Debt Removal Process
To open THE SAME CREDIT CARD with the original creditor, a lawsuit must be brought against the third-party debt collector. The debt collector will then send a notice to the banking bureaus, credit bureaus and original creditor that the debt no longer ...
Is There A Recommended Date Format To Be Used
Multiple products will ask one to place a date. Wherever the user is located (i.e. United States) the generally accepted date formats should be used (i.e. Month/Day/Year).
Can This Remove A Mortgage / Home Loan
Debt Removal Secrets will not work if one still possesses the home. A home is considered a secured debt because an asset can be seized. If the the home is no longer in one's possession, the debt / derogatory mark itself can be removed from the credit ...
Can This Remove A Car Loan
Debt Removal Secrets will not work if one still possesses the vehicle. A vehicle/home/boat is considered a secured debt because an asset can be seized. If the the car is no longer in one's possession, the debt / derogatory mark itself can be removed ...
Can Debt Removal Delete A Student Loan
Yes, Debt Removal Secrets can remove student loans. It does more work than the typical debt (credit cards, bankruptcies, medical bills, etc.); so be prepared to go through the program 3-4 times (sending letters, filing a case, withdrawing the case, ...
Can This Remove A Bankruptcy
Yes, Debt Removal Secrets can help remove bankruptcies from one's credit reports quite easily. There is ALWAYS something wrong with the credit bureaus reporting (names, dates, amounts, name of court, etc.). The best option is to make the credit ...
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 ...
How Does One Stop A Collection Agency From Harassing Calls
The way to stop a collection agency from calling/harassing is to ask for proof of validation. A collection agency may not contact a debtor until this validation (and verification) process has been completed. if a collection agency continues to call - ...
How Long Until An Account Goes Into Collections
91 days is the typical account turnover to a third-party collection agency after payments have stopped. At that moment, the original creditor has sold the debt note to another party.
Is It True That A Debt Collector Must Respond in 30 Days
This is actually false. The 30-day requirement is placed on consumers. While a consumer must send a validation request within 30 days of the first collection letter that contains the 30-day notice, a debt collector can take as long as he chooses to ...
Can One File In Small Claims Again For The Same Violation
Yes, if one has entered a Motion to Dismiss Without Prejudice as the Plaintiff, the ability to re-file again is always available. There are many reasons to dismiss and file at a later time: to collect more information, build a case, obtain proper ...
The Debt No Longer Shows In All Reporting Bureaus But Creditors Still Shows Balance & Account - Should One Take Creditor To Court
No. There is no damages according to FDCPA. The opportunity to get another account with that organization may not be presented now; however, the debt is gone for all public concerns.
State Statute Says Banks "Exempt" As Collection Agency - What Now
In states that have this statute, one cannot file under state statutes against a bank [original creditor]. Federal statutes like FDCPA are still available.
Can One Remove A Criminal or Civil Penalty from IRS/Gov.
Often bankruptcy is what an attorney will suggest and this is a valid route with extreme amounts of debt, but the debt removal system works EVERYWHERE a bankruptcy does. Whether one can eliminate (discharge) a government fine, penalty, or ticket in ...
What If Someone Is Trying To Deliver Service Of Process (Serve A Lawsuit)
If the process server is attempting "scare tactics" - with enough confidence (and never identifying oneself or age) - the server can be told to leave the property or area for disturbing the peace. Do not answer any other questions, do not engage in ...
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