Can I sue a debt collector for FDCPA violations and get debt waived?

G

greenravenpress3

New Member
As an attorney who sues debt collectors under the Fair Debt Collection Practices Act at no cost to consumers, you could eb eligible for a debt waiver, deletion of the trade line, and up to $1,000.

To have a case, you MUST keep all debt collection letters to check for violations. A lot of these letters contain violations. The most frequent offenders are third-party debt buyers like:

Jefferson Capital
Portfolio Recovery
Midland Credit Management
Credit Control
Credit Collection Services
LVNV Funding

Others can have violations too sometimes. There's no absolute guarantee, but it's a free option for consumers. Everyone should get to know the Fair Debt Collection Practices Act. A lot of consumers aren't aware of this, and it genuinely helps people!
 
You have two accounts with Portfolio Recovery. They're on two different credit bureaus.

One shows from 2017, the other from 2020. You haven't made a payment since 2017.
 
We tried the service and it was amazing! It cleared out two of our collections ($4,777 and $1,450) and now one of them actually owes us cash. Totally worth checking out!
 
A hospital bill debt was removed after identity theft. Then it reappeared on my report. Now it's gone again. I heard reporting such a debt is illegal if identity theft is proven.
 
Hey, just a heads up I sent you a PM! I've actually got all the original letters tucked away somewhere. Let me dig 'em out and I'll shoot them your way as soon as I find them!
 
I’ve actually got two of these situations. One even has a default from a state I don’t even live in.

Portfolio says they served me in Alabama for one creditor and in Mississippi for another. There’s no signature on either of those documents. And I don’t live in Mississippi at all. I wasn’t actually served for either one, but they’re both in default and they’ve already garnished me for the Alabama one where I do live. An attorney told me there’s nothing I can do about that Alabama case and suggested I get an attorney in Mississippi for the other one.
 
To everyone who's sent me letters for review: there's a one year statute of limitations. That means the letter's date must fall within the past year for a claim to be possible. If you don’t have a letter, we can’t file a claim and no, you shouldn’t call to request one. Government debts aren’t covered by the FDCPA, and business debts aren’t either.
 
I'm in a tough spot. I had to pay off a debt collection while I was in grad school. Now I'm in medical school, and that collection is still on my credit report. Because of this, I can't apply for financial aid. Can you help?
 
The settlement offer was my only communication. I received nothing before. It appeared on my credit report. The account is old. It is beyond the statute of limitations.
 
Back
Top