Credit Repair SOS

If you think it’s not easy to remove collections and other negative entries from your credit report, then simply do Credit Repair Martial Arts: Stop, Drop, and Roll.

1. Stop – RESPOND

Stop and think. Whenever you have to fight an enemy, you have to stay smart and calm. Don’t rush, but move in a timely manner. So look calmly at the letter you received from the debt collector. It says you have 30 days to respond. This time-frame is given by law. In those 30 days the debt collector cannot do anything. But they wait for you to forget about those 30 days and do nothing. Wait until the last day or two days before the deadline to respond. Because respond you must. But don’t rush! Stop and think. Send your dispute response per certified mail, return receipt requested. Always send your letters certified! And ALWAYS respond. Whether it’s the first letter you receive from them. Or if it’s a response to one of your letters. No matter what their letter says, whether they claim that your letter was frivolous, or that they are closing your file because they did their job, you always have to respond. Because they are getting off topic.

2. Drop – REJECT

So the debt collector or the credit reporting agency responded to your letter and they claim they checked everything out and it is correct. You reject this statement. They claim that they investigated your claim by checking their records and everything is accurate. You reject this statement. They send you copies of your contract with the original lender. You reject this as well. You have to become good at rejecting every single time. Because… they will NOT validate or verify. Remember, these are your two new favorite words: validation + verification.

When it comes to medical bills, they may even send you reams of copies of your original bills. Maybe even of your contract. But this contract was between you and the medical facility. It certainly wasn’t between you and the debt collector. So you reject their claim.

Sometimes they like to trick you by saying that you checked the box that they could share your information and may even forward your information to a third party debt collector. But if the name of the debt collector contacting you now is not named in that original contract, then you are not obligated to deal with them. And this is all about contract law. You have no contract between you and the third party debt collector where you agree you would do business with them. So you reject that claim.

3. Roll – REFUSE

After responding, and rejecting, now you come to the third phase: refusing. And here it is where it gets good. Good because the law is on your side.

In the US law encyclopedia, American Jurisprudence, 73 AmJur 2nd. Sections 90 and 93 it says that “one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. ” That means that they have to be clearly and specifically named on the original contract to have an interest to protect. Further, it states that they are a “Stranger to the transaction” and a “mere volunteer.” All of this is saying that you don’t owe them. By law yo do not owe them! Refuse to pay, refuse to contract with them.

Because every single time those third party debt collectors contact you, they try to get you to agree with them and with this, to re-contract. You simply refuse. Why would you agree to pay someone who is not entitled to your payments? And why would you agree to pay that someone if they can’t even proof that you have to pay them? And why would you agree to pay that someone when the Law is clearly on your side? Refuse. Always refuse!