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.

Before you send a single dollar to a debt collector, you need to know this. Most people pay out of fear, not facts. Here’s what debt collection companies MUST prove before they can legally collect from you 👇 1️⃣ Proof you’re the correct debtor They must verify that the debt actually belongs to you. Same name is not enough. If they cannot prove identity, the debt can be challenged. 2️⃣ Legal standing to collect They must show they have the legal right to collect the debt. If they cannot prove ownership or assignment, they have no standing. 3️⃣ A valid contract exists They must provide proof of a valid contract or agreement tied to you. No contract, no obligation. 4️⃣ Proper licensing in your state Debt collectors must be licensed and authorized to collect in your state. Many are not, which makes the collection invalid. 5️⃣ Accurate amount owed They must prove the balance is correct. Fees, interest, or inflated amounts without proof can invalidate the claim. 6️⃣ Within the statute of limitations The debt must be within the legal time limit for collection. This varies by state. If it is expired, they cannot legally sue or enforce it. ⚠️ Paying a collection before verifying these things can restart the clock and hurt you. Smart disputes get results. Random disputes get ignored.

1️⃣ Debt collectors blowing up your phone? You may feel powerless, but the law gives you rights. You don’t have to tolerate constant calls, messages, or threats. 2️⃣ Sent a cease-and-desist letter but they keep contacting you? If you’ve asked them to stop in writing and they continue, they are violating your rights under federal law. 3️⃣ Know your protections under the FDCPA The Fair Debt Collection Practices Act (15 USC 1692) prohibits collectors from harassing, threatening, or ignoring your written requests. They must follow strict rules or face penalties. 4️⃣ Most people don’t know the details - What actions legally count as violations - How to properly document each violation - How to use violations as leverage to remove negative items from your credit 5️⃣ Breaking the rules has real consequences When collectors fail to follow the law, you can: - Gain leverage to have accounts deleted - Hold them accountable - Potentially remove negative items from your credit report 6️⃣ That’s where strategy matters Random disputes often fail. Our team focuses on legal, strategic, and well-documented actions to maximize results and protect your credit. If you want us to help and sign up for our program and have done-for-you disputes 📲 TEXT “Dispute” to 833-976-2966 or DROP “Dispute” in the comments to get started and put your credit back in your control 👇

Most people don’t realize student loans can appear incorrectly on their reports, and if the lender or servicer can’t fully verify the debt, it must be removed under FCRA laws. Here’s why: 1️⃣ Reporting late payments while you are in deferment or forbearance Your account shouldn’t show late payments if you were legally allowed to pause payments. Reporting them is a violation. 2️⃣ Listing loans as “in default” when they are not Incorrect default status can ruin your credit. If they can’t prove the loan is in default, it must be corrected or deleted. 3️⃣ Reporting the wrong loan balances or showing duplicate loans after a transfer Errors happen when loans are transferred. Duplicates or incorrect balances are not valid and can be removed. 4️⃣ Failing to provide your original signed promissory note when you dispute If you dispute a loan and they can’t provide the original agreement you signed, they cannot legally report it. 5️⃣ Doing hard inquiries without your permission Lenders or the Department of Education must have your permission for hard credit pulls. Unauthorized inquiries can be disputed and removed. ⚠️ If they cannot fully verify your student loan, it must be removed according to federal credit laws.

Yes, credit bureaus, creditors, and collection agencies are required to follow the law. When they don’t, you have rights and in some cases, the right to compensation. 1️⃣ Turn Credit Errors Into Compensation Using the Law Certain violations by credit bureaus, creditors, and collection agencies can qualify for up to $1,000 per violation under the Fair Credit Reporting Act. 💰 Potential payout: $1,000 2️⃣ FCRA Section 611(a)(1) If a credit bureau fails to respond to your written dispute within 30 days, they are in violation.The only exception is if they receive new information from the creditor, which gives them an additional 15 days. 💰 Potential payout: $1,000 3️⃣ FCRA Section 605(c) Illegally changing the date of last activity on a negative account to keep it reporting longer is called re-aging, and it is against the law. 💰 Potential payout: $1,000 4️⃣ FCRA Section 604(a)(3) Any creditor accessing your credit report without a valid permissible purpose is violating your rights.This can include inquiries used for marketing or account review without your consent. 💰 Potential payout: $1,000 5️⃣ FCRA Section 611(a)(5)(B) If a deleted account is reinserted onto your credit report without written notice within five business days, that is a violation. 💰 Potential payout: $1,000 6️⃣ FCRA Section 623 If you dispute a debt and the creditor continues reporting it without marking the account as disputed, they are breaking the law. 💰 Potential payout: $1,000 Know your rights. Use the law. Protect your credit 💪 💬 Comment below if you’ve spotted errors on your credit report or want help understanding your rights.