We want to make it very clear more than ever – the consumer may NOT have to pay the collection agency / attorney. We want to say to the consumer “do not pay” but that blanket statement may not apply to that “alleged” account. Most of the time, the consumer does NOT have to pay the collection agencies. You can stop collection agency harassment.

We also want to list the steps to collection debt elimination and to keep putting this information out there for the consumer to use. As more consumers face financial chaos in their lives, the more likely they will face collection debt situations. There is not a demographic which limits the debt collector – over 18, under 99, doctor, lawyer, accountant, auto mechanic, retailer, real estate agent, mortgage loan officer, administrative, restaurant employee…these are consumers who are losing money due to their profession.

If you do not want/need our company to help you, YOU CAN do this process yourself. Please note that you really need to know what happens if the debt collector sends validation of the “alleged” account. What next? If you do not know the answer, then you do need us to handle this situation for you. Sometimes the VOD process is not simple.

The collection industry seems to have accelerated efforts. There have been a few new agencies that have been established in 2007/2008 hoping to catch the wave of profit. They are not going away anytime soon. HOWEVER, the more the consumer files a complaint with the Attorney General and the Department of Consumer Affairs – the more difference it makes.

Here are the steps to debt elimination.

If you have been contacted with letters/phone calls from a collection agency:

Do not assume you have to pay the “alleged” account. How OLD is the original account? Everything HAS to be in writing.

#1 WRITE a VOD letter or an SOL letter – do not call the collection agency about this matter

Send both methods because you need to have documentation of both methods of mailing. This is for YOUR documentation.

#2 SEND certified mail return receipt

Do not call a debt settlement company to assist you in paying this “alleged” account to the collection agency. Learn your rights first.

In 99% of these situations, the consumer does not have to pay.

NEXT LEVEL CREDIT
“Taking Your Credit to the Next Level”
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