Creditors Are Double Dipping on Your Charged Off Balances possibly receiving 100% payment in full via the Insurance Claims they file on Your Charged Off Balances. They also receive tax write-offs. They completely wash their hands of your debt… yet they seem to think that they’re still legally allowed to put it on your credit report when they no longer legally own the account. They know they’re going to send it to a collection agency who is then going to put a second tradeline on your credit report. It’s like a vendetta against consumers who had to sign off on a complicated unfair legal contract just to purchase the car or home that every American has a right to. We’re then sent to demonic vultures if you will third party debt collection agencies who are not regulated in any way and Break federal and state laws on just about every call with just about no recourse. And if there is any recourse, it’s a slap on the hand by the Federal Trade Commission. Collectors are virtually never held accountable for the state and federal laws that they break. And most times the C-Level management at the agency will turn their head even if they’re sued because the collector is making the money.
Credit Repair Organizations Are Charging You Before The Work Is Completed, illegal. Also they are not telling you the whole story & are not telling you that you can get third party debt collection accounts completely removed from your credit report because they wouldn’t have much business if they told you that! They are not going to tell you that the credit bureaus Etc are already breaking the laws so really you only need to send one letter and if the entities ignore that letter the only second letter that needs to go out is a complaint letter and if that’s ignored then you need to have an attorney look at your case. iIif things were done this fast and easy with credit repair companies then they wouldn’t have any clients. There’s so much more to tell.
Collection Agencies legally have no right to collect, garnish or file Judgments.
Credit Bureaus Are Breaking The Very Consumer Acts Their For Profit Companies Were Founded On. The Fair Credit Reporting Act, so they can make billions.
WE WILL TAKE YOUR HAND AND WALK YOU THROUGH THESE FIELDS with Grace and Virtue and Attorney’s if need be.
Truths Most Won’t Tell You Ever
YOUR SCORE CAN AND PROBABLY WILL TAKE SOME SORT OF A DIVE WHEN MAKING CHANGES, BUT IT SHOULD RECOVER,
YOU COULD TRIGGER A LAWSUIT AGAINST YOURSELF BY MAKING CHANGES .. HOW?
TRIGGERS ARE SOLD TO COLLECTION AGENCIES BY THE CREDIT BUREAUS.
COLLECTION AGENCIES USE YOUR JOB INFO TO FILE JUDGMENTS AND GARNISH IF THEY CAN. IF THEY DID NOT HAVE CURRENT INFO ON YOU , FOR SURE THESE “TRIGGERS” THAT WERE INQUIRIES/ APPS FILLED OUT FOR OVER 70 DIFFERENT TYPES OF THINGS… IS ALL YOUR CURRENT INFO THAT YOU PUT ON THESE APS SENT AND SOLD STRAIGHT TO COLLECTION AGENCY VULTURES AND OTHER FINANCIAL INSTITUTIONS ACROSS THE NATION. START AT THE SOURCE THE CREDIT BUREAUS AND STOP THEM FROM SELLING YOUR INFO WITH OUR LETTER.
ANY TIME YOU RESPOND TO A COLLECTION AGENCY, THEY WILL BE ON YOU LIKE HOT GLUE TO DEMOLISH YOU AS A PERSON. DISPUTES, INQUIRIES, ETC… ESPECIALLY CONSUMER CREDIT COMPANIES THAT FILE FRIVOLOUS DISPUTES THAT DO NOTHING FOR YOU AT ALL. SEE OUR WEBSITE FOR MORE INFO.
BY NOT OPTING OUT OF TRIGGERS WITH THE CREDIT BUREAUS, YOU ARE GIVING THIRD PARTY DEBT COLLECTORS YOUR FREE JOB INFO AND MUCH, MUCH MORE. AND ALL BEHIND YOUR BACK. MOST CONSUMERS HAVE NO IDEA WHAT TRIGGERS ARE. GO TO MY WEBSITE FOR MORE INFO. CREDITGYPSIE.COM. IF YOU HAVE A JOB AND OR PROPERTY AND YOUR WITHIN THE STATUTE OF LIMITATION IN YOUR STATE YOU CAN BE SUED AND GARNISHED IF ALLOWED IN YOUR STATE. ALL INQUIRIES TURN INTO TRIGGERS. THIS IS YOUR CREDIT APP INFO ALL SOLD TO THIRD PARTY DEBT COLLECTORS, YES FOR ABOUT FIVE BUCKS A POP. WE HAVE THAT FREE LETTER FOR YOU TO SEND. AND IT’S NOT JUST CREDIT APPS. IT’S ALL KINDS OF APPS THAT TURN INTO INQUIRIES AND SOME THAT DON’T TURN INTO INQUIRIES AT ALL, BUT THE INFO IS STILL SOLD.
ANY COLLECTOR WHO TELLS YOU YOU HAVE TO SECURE YOUR PAYMENT ELECTRONICALLY IS A LIAR
-AND I WONDER IF THIS VIOLATES FDCPA? I’LL FIND OUT.
ANY COLLECTOR WHO TELLS YOU THAT YOU HAVE TO PAY A CERTAIN AMOUNT IS A LIAR.
ANY COLLECTOR WHO TELLS YOU YOU ONLY HAVE A CERTAIN DATE TO PAY A SETTLEMENT IS A LIAR. THEY MAKE UP THEIR OWN DATES.
PAYMENT PLANS: BY AGREEING IN ANY WAY TO A PMT PLAN WITH A THIRD PARTY DEBT COLLECTOR, EVEN VIA EMAIL, YOU COULD BE RESTARTING THE STATUTE OF LIMITATIONS ON YOUR DEBT, WHICH IS THE AMOUNT OF YEARS SOMEONE CAN SUE YOU AND YOUR RESTARTING THE SEVEN YEAR REPORTING PERIOD, THE SEVEN YEAR CYCLE IT STAYS ON YOUR CREDIT FILE. SAME GOES FOR REFINANCING IN ANY WAY WITH A DEBT COLLECTOR. NEVER EVER PAY TILL YOU CAN SETTLE IT OUT, NEVER MAKE PAYMENTS NO MATTER WHAT THEY SAY TILL YOU CAN SETTLE. BUT THEN AGAIN, NEVER SPEAK TO THEM, BECAUSE WELL, THEY ARE FRAUD. USE THIS LETTER. 🙂
NEVER HAVE YOUR REAL INFO, ESPECIALLY YOUR JOB, ON SOCIAL MEDIA. I MAKE UP FAKE HIGH SCHOOLS, FAKE COLLEGES, AND A FAKE NAME IF I COULD BUT I CAN’T. MAKE ALL YOUR FRIENDS PRIVATE AND ALL POSTS PRIVATE.
YOU NEED TO OPT OUT OF THE MAJOR DATA MINER COMPANIES THAT THIRD PARTY DEBT COLLECTORS USE TO FIND YOU AND SUE YOU WITH. WE’RE FORMULATING A LETTER FOR THIS.
VIOLATIONS OF THIRD PARTY DEBT COLLECTORS, ESPECIALLY CURRENT EMPLOYEES TIRED OF THEIR VIOLATIONS, ARE BEING REPORTED TO THE ATTORNEY GENERAL, CFPB, FTC AND OTHER ENTITIES. YES THEY ARE. WITH NAMES AND DATES AND TIMES OF THEIR VIOLATIONS AND WHAT WAS SAID, SO THE CALLS CAN BE PULLED AND LISTENED TOO AND ACTION CAN BE TAKEN AGAINST THEM.
YOU NEED TO BE MONITORING YOUR CREDIT ALWAYS. LIFELOCK WAS SUED FOR A HUNDRED MILLION DOLLARS, DON’T USE THEM.
DON’T USE MORE THAN 1 TO 3 % OF YOUR CREDIT CARDS TO BUILD THE BEST CREDIT SCORE, THAT’S FICO’S ADVICE.
WE DON’T DO CREDIT REPAIR. Creditgypsie.com is not a Credit Repair Service. WE ARE CONSULTANTS ONLY AND WHAT YOUR PAYING FOR IS CONSULTING ONLY. IN THE FUTURE WE MAY DO CREDIT REPAIR.
RE-REPORTED TRADELINES Companies can RE-REPORT your Tradeline. Accurately, or inaccurately a second or third time, etc. THIS IS WHY YOU MUST FOLLOW THROUGH WITH YOUR CERTIFIED LETTERS SO IT CAN BE HANDED OVER TO AN ATTORNEY FOR SUIT.
COLLECTION ACCOUNTS THAT GET REMOVED If a Collection Account gets removed, the Creditor, if not already there, can go ahead and publish their Tradeline for the Charge-Off. They can then sell it to a different Collection Agency if they want, and it starts all over. But we’re formulating letters to stop this Matrix of Greed and Fraud and Corruption.
WE ARE CONSULTANTS We are consultants helping Consumers Get Free with Truth and Hoping to give them some Peace in this Destructive, Greedy Culture of Creditors, Collection Agencies, Credit Repair Companies and The For Profit Three Credit Bureaus and their Cohorts, the Sub-Credit Bureaus. Of which there are about 30,000 of. There is a list on the Consumer Financial Protection Bureau Website of the Main Sub Bureaus.
MONEY BACK GUARANTEE We offer a 100% Money Back Guarantee to all consumers for consulting services, no contracts , no fees.
FREE TRUTH We offer FREE TRUTH, nothing we publish is a secret of any kind from any certain Company, it’s public knowledge, just not very public yet. Like “Triggers”- Which have been around Twenty-ish years. The Violations of Third Party Debt Collection Agencies are FAR REACHING and BURDENSOME to Consumers. And being reported to Federal and State Authorities and Consumers for LARGER ACTIONS to be taken.
EXPOSURE We’re here to Expose the Consumer Acts that Bureaus, Creditors, Credit Repair and Collection Agencies, [for starters] break everyday..
GET YOUR ATTORNEY’S ADVICE We are not Attorney’s, always consult your Attorney before altering your credit, BEFORE sending these letters.
IF YOUR BEING SUED CONTACT AN ATTORNEY IMMEDIATELY and you can send Letter 1, 2 and 3, to the Third Party Debt Collectors. They have no contract with you. Most Agencies may stop all action with the first letter, but make sure to send all 3 Certified mail and contact an Attorney.
NO PROMISES We PROMISE nothing, and make no claims. We disagree with “PROVE IT OR REMOVE IT” type slogan and we disagree with disputing items that are Valid. Understand though that, the Credit Bureaus, etc… [Collection Agencies, Creditors, Credit Repair Firms, etc…] are publishing items which BREAK the Fair Credit Reporting Act, and other Consumer Acts, daily. This is all together different.
COLLECTION AGENCIES RIGHT HERE IN SAN DIEGO TELL CONSUMERS TO DISPUTE AS UNKNOWN ONCE THEY PAY THEIR ACCOUNT WITH THEM TO GET IT COMPLETELY REMOVED FROM THEIR CREDIT REPORT SO IT DOES NOT SIT THERE THE REMAINING SEVEN YEAR REPORTING PERIOD- THIS IS FRAUD AND ALL CALLS FOR THAT /THOSE COLLECTION AGENCIES CAN BE PULLED BY THE FEDERAL TRADE COMMISSION OR OTHER FEDERAL OR STATE ENTITY AND THE COMPANY CAN BE SHUT DOWN.
DISPUTE AS UNKNOWN We disagree with “dispute as unknown” unless the consumer was Hoodwinked by a Third Party Debt Collection Agency who thinks it can “ATTEMPT” TO COLLECT a non existent debt without a contract between them and the debtor. Thus, hoodwinking [ FRAUDING] the consumer into thinking they had to pay it- and very possibly pay it when:—> the Original Creditor probably already paid it with the Insurance Claim they filed when they charged it off. But they don’t respond to our requests to see those documents. Although we ask. There is no NOTICE OF INTENT TO SELL THE DEBT that goes into a Consumer’s hands so they know what to expect.
SEND everything Certified Mail with Return Receipt, you lose some of your Consumer Rights when filing electronically and when sending letters via fax you have no Certified Receipt. This is the best way to keep a paper trail incase a lawsuit is needed. Plus it’s going to have your wet signature and witness’ signatures and possibly, if you Notarize it, that as well.
We want all Consumers to Learn and teach their children how to do these repairs.
We hope to change some laws. We need your help with that.
SETTLEMENTS If you’ve already settled or piffed an account with a Third Party DCA make sure to get a paid letter on their letterhead with the full account number paid, the exact amount paid. Anything less is never going to help you. File the complaint letter if an Agency fails to do this.
-If your in the midst of a Settlement or Payment plan with a Third Party Debt collection agency, get an accounting from them of exactly what you’ve paid in a letter, then begin sending our 3 Letter Series to remove it, hopefully from your Credit Report. NOT EVERY LETTER IS GOING TO WORK . There are some very Tough Collection Agencies out there, who, without a lawsuit, will ignore you.
CERTIFIED MAIL If you don’t receive something because of the fact that they did not send it Certified mail [ from the Entity your communicating with], make sure to file the complaint letter next. Don’t do the run around and waste another dime or time. If they don’t send it Certified, you might not receive it. It’s on them. They demand we all send everything Certified, or they ignore us. It should not be this way. SO WE NEED TO DEMAND IT OF THEM AS WELL.
SOL Even if your outside the Statute of Limitations -the amount of time for your State that you can be sued – Agencies will still try to sue unless you know the State SOL Laws. They are wolves.
CREDIT BUREAUS are responding remarkably well to the Letters we have published. Removing Third Party Debt Collection Accounts of all Types , because of No Contract.
HERE IS A LIST OF COMMON VIOLATIONS BY THIRD PARTY DEBT COLLECTORS
SOME CREDITORS FALL UNDER FDCPA ALSO:
FAILING TO PLACE A DISPUTE ON YOUR TRADELINE: If the Collection Agency does place a dispute statement on your Credit File when you did a verbal dispute, which they are required to do by law, YOU CAN SUE THEM. THIS IS ONE OF THE LARGEST VIOLATIONS THAT HAPPENS. Always record the phone call. Use your App to record calls for lawsuits. You can probably sue the Credit Bureau as well. Check in your area for an Attorney.
REFUSING THEIR COMPANY NAME, ADDRESS, COLLECTOR NAME OR PHONE NUMBER: If They refused their physical address when you asked them for their Company Name. Or they refused their phone number or their personal name. Let the Agency Know your aware and that you’ll be forwarding these violations to an Attorney VERSED in how to sue these AGENCIES.
violation: Phone calls to my cell: Dates and Times:
violation: Contacting me outside of my 8am-9pm local time. I doubt your collector notated it, [[that they dialed your phone number outside these realms, they never do. But all the calls are recorded so if we ask they will pull the calls and sue. We’ll pull the calls in court.]]
violation: Writing or calling me after you received my verbal or written Cease and Desist
violation: Not notifying the Credit Bureaus of my verbal or written dispute.
violation: No five second pause when your collector left me a voicemail. Virtually NO COLLECTORS do this.
violation :The voicemail your collector left was inaccurate . See the exact verbiage only the law allows .
violation: Your collector did not verify the last 4 of my SSN.
violation: Your collector did not verify my first and last name.
violation: Your collector did not say every single word of the Mini Miranda.
violation: Your collector did not inform me that the call may be monitored or recorded.
violation: Your collector has violated my state law for: Amount of times they can call me in a week. Etc… See State Law List.
They violated my state law and spoke to my spouse and dunned my spouse.
They called me at work after I told them not too.
They left me a voicemail at my job which is against the law, third party disclosure.
They have let my phone ring over ten or twenty times or more intending to harass me
They have repeatedly called and harassed me
Their tone of voice was demeaning and rude
The collector raised their voice at me
The collector is calling my friends and relatives and associates repeatedly
Your collector called me after I provided my Attorney Name and Phone
The collector demanded the balance within the first thirty days which is my 30 day validation period by law.
Stating that they are calling about “an account in their office”, which I consider third party disclosure.
Your collector gave me the address in your file, third party disclosure of private information, to an unvalidated person. They did this in an attempt to verify who I was because I would not verify the last 4 of my SSN. They also provided a birthdate from the account to try and verify who I was.
They gave the mini miranda at the end or middle of our conversation.
The collector misrepresented themselves making me think they were law enforcement or an Attorney.
The collector asked me if I was going to “voluntarily” pay the debt insinuating that they would sue me if I did not pay.
They have published my information on a bad debt list.
They threatened arrest if I did not pay.
They used offensive or threatening or profane language.
They used racial slurs in our conversation or ANY TONE IN THEIR VOICE OR HUNG UP ON YOU.
They demeaned me in our conversation because I could not pay.
They sought unjustified amounts , especially BEFORE YOUR THIRTY DAY PERIOD WAS UP.
They discussed my debt with a third party. EVEN JUST BY SAYING, “I HAVE an account in my office” …before MM was given!!!!!
They left a voicemail with a third party or verbal message
They stated to a third party to have me call them at the number on their caller id.
On the envelope they sent me: There was embarrassing media that would lead anyone to know I had a debt. They used a postcard which is third party disclosure. There was language and or a symbol that resembles debt collection in their communication.
Their company name on communication reveals their debt collection business.
They failed to say who they were , their name and company name.
They refused their address; PO Box and or Physical for Certified Mail documents. Or just common knowledge.
They are using an old company name online and an old address.
They refused the name and address of original creditor when requested within the first thirty days of receiving the S1692g notice.
They refused the name and address of original creditor .
They did not prove that they had my signature in a contract with the Collection Agency Name and they are still collecting.
They did not provide me with notification that I have the right to dispute the debt. The 30-day S1692g letter is required by law to be mailed within the first five days of them receiving the alleged debt.
They claim they sent a letter within the first five days, however they refuse to tell me which address it went too, since I never received it; which leads me to believe that there was no address yet in the account, and no letter was sent.
They did not file a lawsuit in a proper venue or at all after they threatened legal action in a letter or via recorded call.
The debt collector who violates these laws, by law, is responsible for paying the Attorney Fee’s. The debt collector refused their full name. So, ……
[Consumers can retain an Attorney, Prosecute A Case from Investigation to Trial, And pay nothing out of their pockets. Suing the Agency AND COLLECTORS]