Yo the team never hit me back to make sure they got my info what do I do it’s been around 2 weeks

What do I do after I send info for credit repair sent it about a week ago

If someone voluntarily surrenders their auto tot he dealer because they can no longer pay it and they mark it down as repo on their report will they still have to pay the loan off?

Jus sent my info thru text what’s the next step?

aight last gem before I log off 🔋 most yall get a collection on ur report n run straight to disputin it wit the bureaus. but theres a move that hits BEFORE u ever touch equifax. its called debt validation. n it puts the collector on the spot to PROVE they even got the right to collect from u. heres the deal. when a third party collector FIRST contacts u about a debt. the FDCPA (section 1692g) say they gotta send u a written validation notice within 5 days. n u got 30 days from gettin that notice to send back a debt validation letter demandin they prove it. heres why that 30 day window so powerful. soon as u dispute in writin inside them 30 days. the collector gotta STOP all collection. they cant call. they cant push for payment. they cant keep it movin. NOTHIN. until they mail u back real validation. n heres the part most collectors cant do. u demand. the original signed agreement wit ur signature on it. proof THEY own the debt (the chain of title from the original creditor). a full itemized breakdown of what u supposedly owe. n proof they even licensed to collect in ur state. most of these collectors bought ur debt in a bulk spreadsheet for pennies. they aint got the original contract. they aint got the chain of title. so when u demand it. they cant produce it. n a debt they cant validate is a debt they cant legally keep collectin on. big catch u GOTTA know. debt validation only works on THIRD PARTY COLLECTORS. not the original bank u owe. if the debt still sittin wit the original creditor. this aint the lane. this for when ur debt been sold off to a collection agency. the play step by step. first. soon as a collector hit u. dont admit the debt is urs. dont agree to no payment. dont say nothin that confirm its yours. second. send ur debt validation letter inside that 30 day window. certified mail. return receipt. every single time. third. demand the signed contract. the chain of title. n the itemized balance. fourth. they cant validate. now u send that whole package to the bureaus demandin deletion. a collection that cant be validated cant stay on ur file.