Shoutout to our newest members: @Angel Camarillo @Kalli D Welcome to the group. You’re now part of a community focused on learning the credit system and using it the right way 💪 Take a moment to introduce yourselves and share one thing you’re hoping to improve or understand better about your credit. We’re glad you’re here. Let’s get to work 🔥

Many people feel powerless when collectors start calling, sending letters, or threatening action. But federal law says otherwise. 1️⃣ The FDCPA exists for a reason The Fair Debt Collection Practices Act, 15 U.S. Code 1692, was passed to protect consumers from abusive, deceptive, and unfair collection practices. 2️⃣ Sent a cease and desist letter? If you properly request in writing that a collector stop contacting you, they must comply. Continued contact after that can be a violation of federal law. 3️⃣ Violations can cost them Under the FDCPA, consumers may be entitled to statutory damages of up to $1,000 per lawsuit if a collector violates the law, plus possible attorney fees and costs. 4️⃣ Debt buyers still have rules Collection agencies can legally purchase debt, but they must be able to verify it, prove they have the right to collect, and follow strict federal guidelines. They cannot harass, threaten, or misrepresent the debt. 5️⃣ Here’s what most people don’t know Not every call is legal. Not every letter is compliant. And not every collector follows the rules. Documentation and strategy matter. If collectors are contacting you and you’re unsure whether your rights are being violated, it’s time to get informed and take action.

Our clients speak for themselves 💬 These reviews show that we’re not just making promises, we actually deliver results that make a real difference in people’s lives. From removing collections, charge-offs, late payments, and even bankruptcies, we help our clients rebuild their credit and reach their goals. See more of what our clients have to say and the impact we’ve made at newgensolutions.org 📈💪

I took my client Violeta from a 560 to 770 in just 30 days!