"just wait 7 years for collections to fall off your credit report"
no mf
debt collectors bought your $10,000 balance for $150 and are banking on you not knowing they have ZERO proof you owe anything
same legal warfare system 3,200+ people used to delete collections AND sue collectors for $1,000 per FDCPA violation
here's the actual difference:
- scared debtors: wait 7 years, pay $10k to "settle," accept destroyed credit
- legal warriors: force proof in 30 days (they can't provide it), delete everything, collect $1,500 per violation
one person had $45k in medical collections, sent one certified letter demanding original contracts
collectors couldn't prove shit - all deleted in 60 days without paying a cent
debt collectors designed the collection system for people who don't know FDCPA exists - they just didn't expect consumers to weaponize federal law better than their compliance departments
follow, like & comment "WAR" and i'll send the FDCPA templates that turn their violations into your $1,000 paychecks