eat. climb. sex. sleep. *a bad obsession*

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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.

Cut fast fashion - buy used, learn to mend and/or make your own clothes, buy fewer clothes less often so you can save up for ethically made quality

Cancel subscriptions - relearn how to pirate media, spend $10/month buying a digital album from a small artist instead of on Spotify, stream on free services since the paid ones make you watch ads anyway

Green your community - there's lots of ways to do this, like seedbombing or joining a community garden or organizing neighborhood trash pickups

Be kind - stop to give directions, check on stopped cars, smile at kids, let people cut you in line, offer to get stuff off the high shelf, hold the door, ask people if they're okay

Intervene - learn bystander intervention techniques and be prepared to use them, even if it feels awkward

Get closer to your food - grow it yourself, can and preserve it, buy from a farmstand, learn where it's from, go fishing, make it from scratch, learn a new ingredient

Use opensource software - try LibreOffice, try Reaper, learn Linux, use a free Photoshop clone. The next time an app tries to force you to pay, look to see if there's an opensource alternative

Make less trash - start a compost, be mindful of packaging, find another use for that plastic, make it a challenge for yourself!

Get involved in local politics - show up at meetings for city council, the zoning commission, the park district, school boards; fight the NIMBYs that always show up and force them to focus on the things impacting the most vulnerable folks in your community

DIY > fashion - shake off the obsession with pristine presentation that you've been taught! Cut your own hair, use homemade cosmetics, exchange mani/pedis with friends, make your own jewelry, duct tape those broken headphones!

Ditch Google - Chromium browsers (which is almost all of them) are now bloated spyware, and Google search sucks now, so why not finally make the jump to Firefox and another search like DuckDuckGo? Or put the Wikipedia app on your phone and look things up there?

Forage - learn about local edible plants and how to safely and sustainably harvest them or go find fruit trees and such accessible to the public.

Volunteer - every week tutoring at the library or once a month at the humane society or twice a year serving food at the soup kitchen, you can find something that matches your availability

Help your neighbors - which means you have to meet them first and find out how you can help (including your unhoused neighbors), like elderly or disabled folks that might need help with yardwork or who that escape artist dog belongs to or whether the police have been hassling people sleeping rough

Fix stuff - the next time something breaks (a small appliance, an electronic, a piece of furniture, etc.), see if you can figure out what's wrong with it, if there are tutorials on fixing it, or if you can order a replacement part from the manufacturer instead of trashing the whole thing

Mix up your transit - find out what's walkable, try biking instead of driving, try public transit and complain to the city if it sucks, take a train instead of a plane, start a carpool at work

Engage in the arts - go see a local play, check out an art gallery or a small museum, buy art from the farmer's market

Go to the library - to check out a book or a movie or a CD, to use the computers or the printer, to find out if they have other weird rentals like a seed library or luggage, to use meeting space, to file your taxes, to take a class, to ask question

Listen local - see what's happening at local music venues or other events where local musicians will be performing, stop for buskers, find a favorite artist, and support them

Buy local - it's less convenient than online shopping or going to a big box store that sells everything, but try buying what you can from small local shops in your area

Become unmarketable - there are a lot of ways you can disrupt your online marketing surveillance, including buying less, using decoy emails, deleting or removing permissions from apps that spy on you, checking your privacy settings, not clicking advertising links, and...

Use cash - go to the bank and take out cash instead of using your credit card or e-payment for everything! It's better on small businesses and it's untraceable

Give what you can - as capitalism churns on, normal shmucks have less and less, so think about what you can give (time, money, skills, space, stuff) and how it will make the most impact

Talk about wages - with your coworkers, with your friends, while unionizing! Stop thinking about wages as a measure of your worth and talk about whether or not the bosses are paying fairly for the labor they receive

Because sure. You could survive on dried beans and rice. You can live without movies. Your child doesn’t need a brand new teddy bear for their birthday. But those things can spark joy, give you the energy to keep going.

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