Repair credit fast secret rewards Desiree Brockhouse of Chicago, IL, who keeps $1346.85 in her pocket and stops another desperate debt collector’s annoying phone calls.
Most people have no clue how to dump illegally reported (& re-aged) accounts…the accounts that hang on despite expired statute of limitations.
Chances are, you have at least one re-aged (older) account showing up on your credit reports. Chances are, you’re getting unwanted debt collection calls…even the automated
Desiree wants to know how to handle a collection around 17 years old. Seventeen years old?
When I saw this email, I instantly questioned whether Desiree had made a mistake in asking me about a “17 year old” collection account.
First, could she really have a 17-year-old collection account hurting her scores?
- Why isn’t a 17-year-old “collection” charged off?
- Why are you even bothered by a 17-year-old collection?
Desiree claims to get phone calls “…everyday by two collection agencies, I still have not spoken to anybody as they are automated calls.”
Oh, okay, I get it now. When Desiree mentioned the phone calls from debt collectors on a 17-year-old debt, I knew exactly what was going on. And to think, Desiree was ready to throw away $1,346.85. How happy do you think Desiree was when I handed her the answer on a silver platter?
Click the “read more” link below if you want to discover Desiree’s $1,346.85 solution.
Now for the rest of this story.
Desiree’s email informed me “there are 3 credit cards that were turned over at least 17 years ago. They are all offering reduced payment of which I could afford to pay with the reduced settlements.”
Big surprise! Another debt collector picks up a list of “zombie” debt and launches a little “dialing for dollars” attack.
Desiree was reluctant to pay anything but then the debt collector mentioned reduced settlement and threatened her with imprisonment, public humiliation & job loss.
Let’s get a couple points clear right now:
- It’s illegal for a debt collector to threaten you…period!
- You will not go to prison for owing a debt…period!
- You will not lose your job for owing a debt (even if it’s a collection)…period!
- You cannot face any public humiliation due to a collection…period!
Further, Desiree indicated that she “…know(s) they are trained to get information from me and I am not skilled enough to figure out if I am putting myself back in to a position of getting these accounts off my reports.”
- And then Desiree said the words that make all debt collectors blush with pride, “I’m going to take their settlement offer and pay them $1,346.85 just to get them off my back.”
And this is exactly what debt collectors want to hear.
Without hesitation, I emailed Desiree suggesting she reconsider paying this debt collector.
Here’s part of what I emailed Desiree:
- Every state has special laws outlining debt collection (I emailed Desiree the exact info from my videos and book The Busy Person’s Credit Makeover to be wise about this debt collection attempt). That law requires a creditor to file any legal actions within a specified period of time, or else they forfeit their right to collect. Clearly, this debt appears to be “time barred.”
- If so, DO NOT pay them a dime.
- If so, DO NOT talk to them on the phone.
- Send them a certified letter (certified mail return receipt requested) stating that the debt is beyond the statutes of limitations and they can no longer contact you by phone or by mail. This is a “cease and desist” statement, and if they contact you again you will file complaint with the FTC and your state’s attorney general.
- Do not talk with the debt collector; do not suggest, say or sign anything promises payment, even a penny. If you do, you might reset statute of limitations.
A couple days later, Desiree’s email reminded me just how much I enjoy what I do to help people keep from throwing $1,346.85 away and putting up with a debt collector’s threats and non-stop phone calls.
Credit repair fast secrets don’t have to be difficult to understand or painfully expensive. Out of appreciation, Desiree sent me $100.00 gift certificate 
WooHooo. I was happy to help her. For Desiree, getting that debt collector off her back once and for all was worth much more than $100 bucks. On top of getting rid of a debt collector, she saved herself $1,346.85. You see, it’s not difficult.
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