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#DebtCollectors

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Silence is golden.

And when you talk to debt collectors, you're giving up gold.

So many people tell us stories of the conversations they have with debt collectors on the phone.

Never once have they gotten to a happy ending.

It's always frustration, confusion, anger, and hopelessness.

And that's not even counting the information the debt collector is gathering on the call.

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1. How much you owe

2. Who you owe it to

3. That they will ASSUME the debt to be "valid" unless you dispute it within 30 days

4. That you have the right to send a written demand for "verification" of the debt or a copy of the judgment against you

5. That you have the right to send a written demand for the name and address of the original creditor

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Debt collectors write us checks.

Here are just three of the reasons we've sued debt collectors in the last 30 days:

1. Reporting a falsely-inflated balance on our client's credit report

2. Trying to collect a debt that was paid when due

3. Calling our client 58 times after he sent a "do not contact" letter

All of these actions are illegal.

And when debt collectors break the law, they write us checks.

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So first, we look at those 53 possible violations.

Next, we help you examine your own records to find out where the debt collector is lying or otherwise violating your rights.

Then once we've found something in your records that matches one or more of the 53 violations, we prepare a suit, or countersuit, against the debt collector.

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When a debt collector is trying to take your money, here's how we turn that into them GIVING you money instead:

We use their weaknesses against them.

Every debt collector has to obey federal law (and some state laws) while they're trying to take your money. There are 53 different ways, under federal law alone, that a debt collector might break the law.

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Scams like this are a symptom of data breaches and general privacy loss.

When criminals get access to your credit data, they can use that information to impersonate real debt collectors, prey on fear, and steal money that they don't have a right to collect.

Unfortunately, there's no real remedy for this, but there are a few things you can do:

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Real debt collectors are bad enough.

But when actual criminals impersonate debt collectors to scam money out of people, that's the worst.

• "Process servers" who call, threatening to show up at your workplace, demanding payment over the phone.

• Text messages from unknown sources.

• Callers demanding payment for debt over a decade old.

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That's where we come in.

We not only help you spot when debt collectors stumble into one of the 53 different debt-collections violations listed by federal law, we help you figure out how to use that violation to get everything you need.

And you don't have to wait seven years to do it.

Were you just waiting around and want something better? Let us know.