Prettyboy paradise

Trans Tele uwaaaaa‼️🤑

Uncensored version here:

Earlier this year I received a letter of notice from a debt collector stating that they had acquired a debt supposedly belonging to me and that, per law, I have 30 days to dispute the debt. I immediately drafted a letter and sent it to both disputing the debt and request validation of the debt as well as possible settlement arrangements had they actually been able to validate said debt

I sent this letter via certified mail. Always certified mail.

About a week after the 30 day period for them to respond expired, I received a Phone call very specifically crafted in a way to invoke urgency and panic and suggest legal action. So, naturally, I called this number only to discover this was a different company that had only just recently acquired said supposed debt. I reiterated to them that I was disputing this debt and required validation in writing.

The initial conversation went smoothly, they then called me back the next day and became aggressive. They accused me of lying and did everything under the sun to try and trick me into validating this debt as mine so that they would not have to legally send me that validation. I, knowing my rights, insisted that I was disputing the debt and that they were required to send me validation despite them claiming that they were not and that they already had and many other number of lies. I refused to continue the conversation until someone had sent me validation to which they continually responded that they would be forwarding this to their legal department and blah blah blah blah blah.

Surprise surprise, I get a phone call today from yet another company, this one claiming to be in the process of forwarding my account to the county clerks office. That was an immediate red flag as the county clerk does not handle debt disputes. They would have to hire a lawyer in my state to handle this case. I asked what company this was as they had not stated initially, and when they told me I realized this was now another company who had purchased said alleged debt and we’re trying to collect on it. this one outright illegally threatening to take me to court knowing they weren’t.

Beyond that, he tried to lie to me and tell me that a debt validation was not what I thought it was and that a validation was actually just a notice that they had purchased a debt so when I received a letter stating that they had purchased this debt that would be a validation.

That is not true! Debt companies are legally required to send you notice of an allegedly acquired debt in writing and you have 30 days to dispute and request that validation. The company then has 30 days themselves to respond and validate your debt or the debt is forfeit. This man tried to lie to me and tell me that a notice was the same thing as a dead validation in order to trick me into paying a debt that he cannot validate that I am actively disputing.

This is now the fourth company that has attempted to collect on a debt they cannot validate. They know they cannot validate this debt and instead have relied on trying to trick me into paying it. These tactics would absolutely work if I did not have a sales background and or know my rights.

And this ladies and gentlemen is why you always always always dispute a debt. The last debt I disputed was immediately pulled from collections and that allowed me to get back in contact with the original creditor and work out a payment plan so that it would never hit my credit and keep my account with them current. This debt is invalid and therefore they cannot hit my credit with it nor can I collect on it or I will sue them.

For anyone that has a debt sold to a Collections Agency do exactly what OP did and request debt validation (Google-able). Most of the time, the Original company you owed debt to did not give them your Social Security Number or your date of birth; just a good phone number and address. In order to be held legally responsible for it and to be on your credit score, they need your SSN or DOB to prove it's yours.

Usually, they're initial call will say "Hey so before we can discuss your debt of $Xxxx, we need you to verify your SSN and DOB." They're lying. That means they want you to confirm it so they can legally pin that debt to you. If you send a Debt Validation letter VIA CERTIFIED MAIL, that Collections Agency has 30 days to prove you owe the debt and that it does in fact tie to you. Since in most cases they can't, they'll send a letter saying "We don't have the necessary information to collect on this debt. It is now null and void." Send copies of that to the credit bureaus, and they wipe it from your credit report.

With OP, they did the shadiest thing possible by constantly re-selling the debt, thus starting over that 30 day response period.

This is so important.

Do not give your ssn on the phone to anyone who has called you, ever, no matter what the caller ID shows. If you are doing something for which you should be providing your ssn (e.g. applying for a loan), look up the appropriate phone number for the organization you should give it to you, and you call them. If it's at all practical, find a way you can give your ssn to the organization in person at their offices instead, or by a form sent to you via paper mail. (If they're committing fraud by paper mail, that's mail fraud, the feds actually take that seriously.)

Anyone who needs to confirm your identity based on your ssn will tell you the last four digits of your ssn (not the whole thing).

Going back to my roots-

just finished Project Super Crush Act 1. will be spending my life savings on act 2.

What's your favourite way to travel? Is there a mode of travel you haven't done before but you'd like to?

And/or...

If you could give a TED talk about anything, what would it be?😊

Travel:

I've been on a plane, boats, a train, buses, cars/trucks, trolleycars, and a camel. And I think a horse?

Overall, walking. Cars make my hips hurt and I medically can't drive anyway. So does walking, but I can take breaks.

Vehicular faves are trolleys and boats. Speedboats are neat; ferries are lovely and relaxing! Canoeing is fun but not for travel. I like the open-airness of trolleys and how close the stops are.

I want to try more types of trains. Cable cars also seem really cool. I love horses and would love to ride someday.

TED talk:

Also, yeah, preparedness is a huge part of getting a pet. I'd like to have a reptile or big invertebrate of some kind, but I just feel I wouldn't be able to care for them well. Props to you for getting the word out.