NEVER EVER PAY COLLECTIONS!
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NEVER EVER PAY COLLECTIONS!


100 Comments

  • Tina's baby

    BUT JUST ONE QUESTION, IF YOU MADE THE DEBT SHOULDN'T YOU BE RESPONSIBLE FOR IT? I MEAN, YOU MADE THE DEBT…PEOPLE KEEP SCREAMING ABOUT BEING RESPECTED AS AN ADULT AND TREATED LIKE A MAN/WOMAN. PAYING FOR YOUR RESPONSIBILITIES IS A BIG PART OF BEING AN ADULT. PLUS, IT WOULD BE A MUCH BETTER MORE RESPONSIBLE THING TO TELL PEOPLE TO DON'T MAKE THE DEBT IF YOU CAN'T AFFORD IT AND MAYBE HOW NOT TO GET INTO DEBT. DEBT DOESN'T DISAPPEAR, SOMEONE HAS TO PAY FOR IT.

  • monedita de plata

    I beat tha shiat out of a collection agency in court all by my self with no lawyer, they claimed I owed them $14,000 dollars. My nuclear weapon in court was very simple! quote! Your Honor! Do you have a pen handy? he answered yes! Ok, I want you to write this down, then I spelled the Law name to Him and he wrote it down! OK! Your Honor are you aware of that Law. he said yes. Ok! ME: This people (collection agencies) are in the business of buying none performing debt for pennies on the dollar, which makes it a toxic waste investment there fore they create their own wound! and Your Honor! that law that I asked you to write down clearly states that NO BODY IS ENTITLE TO COMPENSATION ON A SELF INFLICTED WOUND CORRECT? The Judge get his wood hammer bangs it on his desk and said! This case goes to the defendant! ME: Thanks you your honer! LMAO. I was nervous AF********( I was the last one in the court room and watch allot of defendants loosing their case and all of them had a lawyer representing them. We went at it back and fort between the Judge the collection agency's lawyer and me for around 2 hours. all this happened in California LA to be exact. I think I still have the file some ware in my shed. Salud!

  • Cynthia Burmeister

    We had a company sent our bill to a lawyer and he charged $1000. More to the bill. Is that the same as a collection agency, can they add money on to your acct

  • Ribery Gotze

    I trusted there administration and they didn't leave me at any hazard or such and I got all consideration required and help to have the option to keep up 844 Financial assessment which andyhackscreditfix.org— supported for me.

  • Eddie McCarthy

    After asking from my 15 trusted clients for a credit repair recommendation because I had to offload negative items from my report to get approved for funding, loan and higher limit credit cards, 12 from them recommended Andy Hacks, LLC for me and told me to visit Andyhackscreditfix. org.. this credit repair team are so great, I don't regret making the move…

  • Daniel Torlucci

    I got this credit repair team who helped me build my 'LLC' credit profile account because early last year I was looking to build a very strong business credit profile.They raised score 668 to 822 in 3 weeks, added 5 primaries & 3 AU's. My business 'ALL SPORTS AND PROMOTIONS LLC' credit profile is now an excellent one. Thanks to them and you can reach them out by looking up Andy Hacks, LLC on google….

  • Araceli Torres

    I made some research on sep 14th night, I found out I could trust Andy Hacks, LLC with my credit profile. I purchased the credit sweep service and I am testifying that my score went up 221pts in just 2 weeks๐Ÿ˜ฎ๐Ÿ˜ฎ just visit andyhackscreditfix,org..

  • Joyce Pambrun

    Thank you Mr Andy, the credit repair specialist at Andy Hacks, LLC. I can now boast of (807) FICO score, I APPRECIATE. they have made so much impact on my credit and I really appreciate their administration andyhackscreditfix.org—

  • ocdinokc

    I recently got a recorded message that was speaking to me as if Iโ€™d answered. It went on and on and said โ€œhang up if you are not (my name).โ€ It said โ€œby listening to this you have acknowledged that you are (my name.โ€ So they just called and left a message intended for me without knowing itโ€™s actually me, and telling me that by them leaving a message Iโ€™ve admitted who I am. Can they get in trouble for disclosing my debt info on a message without verifying itโ€™s me?

  • FlexKami

    I owe my University 9k before I can go back. I never started a payment plan so now it's in collection. They added 3k onto it and now they keep blowing my phone up. Unfortunately I'm just seeing this video now instead of last week so I already admitted to who I am over the phone last week.

  • x Vazqlover

    Ok to clear things out… but at the end, arent you still legally responsible to pay the balance or it clears out overall after dispute? The collection agencies knows your social sec number and stuff.

  • Alanna Lloyd

    In the middle of last month I was reading this article on Hacker article was about a hacker raising their credit score from 500 โ€“ 800 and how their users were happy about was just reading this as a news article and browsing through the comments on google when a simple comment from a user in google caught my attention so i decide to get in touch with the hacker and he help me increase my credit score from 467 to 800plus, he also deleted all my negative reports now iโ€™m free to purchase the kind of house i want you can contact him through his site andycreditfixhacker.org—

  • Martin Styles

    I have used the help of a Credit Repair Expert at Credit Backdoor, LLC . And I must say, they have displayed being #1 in class, in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding. ( [email protected] COM )..

  • Jamie Yayme

    I've got a debt that's passed the time limit where it should be taken off but of course it's still on my credit. Is there any way I can speed this up? Also, there's a bill under my name for a phone company, but I really shouldn't have a bill with them. I tried to dispute but nothing happened. How can I inquire about this without them commiting my file as active?

  • Jesus Marrero

    to start off by saying thank you so much for your videos they are so helpful and insightful much blessings to you and your family I have a question hopefully you can help me I recently received a letter from a company saying that I owe $1,180 the original company is flexshopper in 2015 I finance some computers through them but to my knowledge I paid everything back because I was directly taken out my checking account but on the letter it's self it says charged off amount it seems like they're trying to collect a debt that's already been charged off they're asking me to write a letter within 30 days to either dispute or validate the debt what should I do

  • bestsmall country

    Great advice, and reaffirmation of what I'm already doing in response to an "opportunistic invoice". They can chase me with all the costs that that involves. It won't be worth their while… meanwhile I'm as quiet as a fish!

  • Lisa McDonald

    Well, it's 9 am and I already learned something new. Man, I did not know it worked like that. Now I understand why collection companies are relentless in harassing folks.

  • A Little

    If you have already admitted to the debt or cant dispute it, call the company and make a 50% offer to have a "Full Delete".. this just worked for 2 large account on mine. One was Verizon for 1200 (paid 400 full delete). I've brought my credit from 535 2 yrs ago to a 740ish now. Just got approved for saphire card and 18k limit! Wooohooo.. finally feel like an adult again!

  • joshua martinez

    Dont know if I asked already but just got a collection just hitting my score..and know 2 more will be hitting soon..should I dispute as they hit as fast as possible or wait till till they all hit..and dispute all at once

  • JuNii0rr x

    You tired of these companies harassing you and tryna take your hard earned peanuts$$$…. COME TO DEATH ROW๐Ÿ”ด๐Ÿ’ฏโ€ผ๏ธโ€ผ๏ธโ€ผ๏ธ

  • Lifestyle With Bianca

    Not all collection agencies buy accounts lol ๐Ÿ˜‚
    Mainly the ones that have accounts assigned to them,
    that have the ability to file suite against you to put an Assigned Judgment against you and issue a garnishment court ordered.. sure donโ€™t answer and donโ€™t pay on a debt you Occur and received services on.

  • John Calloway

    If you are seeking an effective credit repair service as well as tradelines , You should use the services of this credit repair team that changed my life. They cleared all my bad credit and improved my score by more than 157 points within few business days. andyhackscreditfix..org..

  • Jessica Wraith

    My husband and I were trying to qualify for a mortgage loan and two of the bureaus are not providing a score, I have purchased things with credit off and on for the past 5 years so I suspect that somehow they have mixed up with someone else. I keep asking myself most time, what kinds of documents license and social security card would i send to expedite this process which make me worried most time. I also though of recommending by sending it as a request for a free report before i came across SWIFTHACKGENIUS at gmail dot com service through a friend i met from a Quora forum. My Credit score finally boost up to 790+ across the bureaus within 5 business days after receiving notification from the company that i have qualify for the mortgage loan and all my debt has been cleared. Guys iโ€™m glad to review this service from him and anyone who need his assistance should contact him right here

  • Anthony Coolman

    I was surfing the Internet a year ago when I found out about ๐Œ๐š๐ซ๐ค๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž[email protected]๐ฒ๐š๐ก๐จ๐จ.๐œ๐จ๐ฆ … He permanently removed all my collections and Iโ€™ll be appreciative 4L

  • Rice Mason

    [email protected] ๐ฉ๐š๐ข๐ ๐ฆ๐ฒ ๐ฌ๐ญ๐ฎ๐๐ž๐ง๐ญ ๐ฅ๐จ๐š๐ง๐ฌ ๐š๐ง๐ ๐จ๐ญ๐ก๐ž๐ซ ๐๐ž๐›๐ญ๐ฌ

  • Caroline Twigs

    I trust แ—ฐแ—ฉแ–‡KOแ–ดแ–ดIแ‘•แ—ด[email protected]แ—ฉแ•ผOOแ‘•Oแ—ฐ much more because heโ€™s always been fixing my credit report and made my score this perfect ! …

  • Rita morris

    I แดกแดแดœสŸแด… be having a poor credit report without the help of แดแด€ส€แด‹แดา“า“ษชแด„แด‡[email protected]สแด€สœแดแด.แด„แดแด

  • John Buckett

    ๐Œ๐š๐ซ๐ค๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž[email protected]๐ฒ๐š๐ก๐จ๐จ๐œ๐จ๐ฆ ๐ข๐ฌ ๐ญ๐ก๐ž ๐›๐ž๐ฌ๐ญ ๐Ÿ๐จ๐ซ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ซ๐ž๐ฉ๐จ๐ซ๐ญ ๐ซ๐ž๐ฉ๐š๐ข๐ซ .. ๐๐ฎ๐ข๐œ๐ค ๐š๐ง๐ ๐ซ๐ž๐ฅ๐š๐ข๐›๐ฅ๐ž !

  • spaceboii9 _

    Hey im freaking out man. Im 19 and couldn't pay my atat bill and they called me and i said it was me and that i did owe what do i?

  • Gray Imagery Entertainment

    Hey so Iโ€™m trying to help my mom and myself so I made a mistake by calling the collection agency and we end up making a payment should she coming making payments?

  • G K

    how about just man up and pay the money that you owe and stop being a piece of shit trying to game the system and causing everyone elses interest rates to go up to cover the losses caused by all the other pieces of shit doing the same thing. If you write a bad check you go to jail should be the same thing for swiping a CC knowing dam well you aint gonna pay it back. theyll settle out for a fraction of the total amount

  • Conception Productions

    What happens if a person says that itโ€™s him on the phone but says that he doesnโ€™t know anything about the debt? Is that still admission?

  • fat cat

    I had this extremely rude woman name off a postal mail box I had 12 years ago , I said that was my PO box 12 years ago , but I never owned the vehicle they allege I owned.
    They Google you and see an old address that was yours and you say yes that was my mail box that somehow makes you the owner of a vehicle you never owned??

  • Fawn Thomas

    Donโ€™t pay? Okay.
    Turns around: theyโ€™re garnishing my wages, they put a lien on my home, they sued my ass. Thanks, ๐Ÿ‘๐Ÿป ๐Ÿ˜ณ๐Ÿ™„

  • Srikanth Jannareddy

    @keeping it real with Credit : I had a 500$ balance from T-Mobile which was sent to the collections after like almost 2 years when I switched my line to Verizon, t mobile didnโ€™t even bother or send me any kind of notice or lette that I owe money. T mobile says this amount was because of the fact that we Violated the contract in between which i donthink I did. Because we asked them if I owed them any balance while a transfer of line to Verizon, they clearly stated there was no balance. Right after almost 2 years now they say I owe them.
    Like you mentioned I received multiple calls from a collections agency out of la. I did accept the fact that it was me on the call and they asked me to pay by providing me a 20% discount of the total balance I did agreee to it, but I still donโ€™t want to make this payment. Itโ€™s absolutely vague and just not right.
    I have engaged and filed a dispute with credit karma aswell they say everything is right and I need to make the payment.
    Could you please suggest why else could be done to avoid making this payment?

    Thank you so much in adnavnce

  • nancy smith

    Hey Guy, few weeks ago i was down, broke and sad but i am full of happiness now and the reason behind my smile is(hackerVenedict ) they're professional hackers from Russia, Austria, Germany and Great Britain… they're the best in funding, selling of dumps, credit score fixing, tracking your spouse or locating someone who's lost etc you will never regret giving them a tr. you can text or whatsapp hackerVenedict on +12105046591 or Email him VE NE DI CT DO BR OW @GMAIL. COM

  • Jeremy Zuther

    Pay your bills losers
    live within your means
    build credit
    buy appreciating assets (houses, stocks)
    minimize depreciating asset costs (CARS, JEWELRY, CLOTHES, PHONES)
    climb the ladder and stop blaming others for your failures
    …This guys video is small thinking. If you don't build credit, you will always be at the bottom of the ladder.
    As you build a future, at some point, you will require loans and credit if you want to live BIG.

  • Araceli Torres

    I made some research on sep 14th night, I found out I could trust Andy Hacks, LLC with my credit profile. I purchased the credit sweep service and I am testifying that my score went up 221pts in just 2 weeks๐Ÿ˜ฎ๐Ÿ˜ฎ just visit andyhackscreditfix,org….

  • Eddie McCarthy

    After asking from my 15 trusted clients for a credit repair recommendation because I had to offload negative items from my report to get approved for funding, loan and higher limit credit cards, 12 from them recommended Andy Hacks, LLC for me and told me to visit Andyhackscreditfix. org.. this credit repair team are so great, I don't regret making the move…..

  • Joyce Pambrun

    Thank you Mr Andy, the credit repair specialist at Andy Hacks, LLC. I can now boast of (807) FICO score, I APPRECIATE. they have made so much impact on my credit and I really appreciate their administration andyhackscreditfix.org—..

  • Ribery Gotze

    I trusted there administration and they didn't leave me at any hazard or such and I got all consideration required and help to have the option to keep up 844 Financial assessment which andyhackscreditfix.org— supported for me…

  • Ribery Gotze

    I trusted there administration and they didn't leave me at any hazard or such and I got all consideration required and help to have the option to keep up 844 Financial assessment which andyhackscreditfix.org— supported for me…

  • the last man standing

    After going through some business platforms looking for a positive credit repair recommendation, I stumbled by about 22 comments from people in the US, Canada & UK recommending Andy Hacks, LLC on (andyhackscreditfix. Org) no space I tried them out and they ministered me throughout the process and got all assistance needed to keep up 829 FICO score which all posts across all reporting agencies..

  • Daniel Frampton

    I had a lot of closed accounts and collections on my report that was affecting my score negatively, I fixed all that with the help of My Andy at Andy Hacks, He cleared all my negative items and I got a massive score boost of more than 225 points in less than 2 weeks. We bsi'te is (Andyhackscreditfix.org)..

  • GiGi Smith

    In order to get a loan from your bank you must pay past debt. Collection debt is debt you owe without interest. Collection debt from the companies that report to credit bureaus is in their collection. Not always do they go to an outside collection office. Different states actually have different formats. Bad debt stays on your credit up to 16 yrs. In hiring debt consolidation you actually paying more even after right offs. Check your state rules & provisions. Do your own research in your own state. Good luck & God Bless.

  • Robyn Brockhoeft

    Thanks for the info.. However, I left an apartment complex in 2016 becuz I lost my job, and needed to move 4/employment. I told them the situation and they still continue to write 2-3x the amt owed on my credit report.

    I called to dispute items, (w the credit agencies), admitted I did leave and why, told them the amt stated was incorrect. Now, according to the bureau, the complex stated the โ€œamt was correct.โ€

    So, should I call the Apt complex myself to make a settlement? Or, is it in my best interest to call debt relief agency (who helped in the past)?

    I really need out of my current apartment (in which Iโ€™ve spent over $50K not owning a blade of grass), and into a home.

    I donโ€™t trust โ€œanyโ€ realtor becuz of past disloyal realtor/friend relationship which has held me prisoner for 4 years. Iโ€™ve paid off โ€œeverything,โ€ else..
    Well over $25K

    My understanding is I need to show 2 years positive (40K up), โ€œincome taxโ€ to buy a home? Is that true? My credit score is 662.
    Any suggestions?

  • joe smith

    You know why there's so many thumbs down for this video?! Because it's not great advice, in my opinion. Now, I'm not a lawyer so this is not legal advice, but here are the things I learned from my personal debt experience: If it's a legitimate collector with a legitimate account and you ignore them, you WILL be sued and possibly have wage garnishments or a lien against your property. Your choices on a legitimate debt are: negotiate a payment plan with them, contact a credit consolidation company–NOT credit restoration (consolidation puts all your debt into one payment), roll the dice in court, maybe file for bankruptcy, or pay them outright. If you feel the debt collector misrepresented themselves of broke any FDCPA laws, contact a consumer lawyer to deal with them. A lot of the times, it's free for them to represent you. As with everything in life, do your own research to check everything out for yourself, but this is what I can tell you from my personal experience.

  • HEAT SMITH

    I was recouping from a car accident. A relative used my credit cards ran up to the limit, maxed all my credit cards. When I was able to check this out. I didn't charge all these cards. Had to file bankruptcy. So now I have T-Mobile after me that I didn't sign for, did not go in store and purchase phone with them. They were not on bankruptcy list The collection company called told them as I disputed with T-mobile. Do not have phone with them. it was fraud on my credit cards I didn't charge these items nor sign for a phone. Also my family member cashed a check for my car for over 15,000.00. Kept the money. Do not have money for a attorney. But for God so good i was introduce to a Russian hacker called Vlahd who magically make payments on my credit cards for me, the payments didn't reverse and he also fixed my credit, raising my credit score from 448 to 811, thanks to Vlahd, he's a helper and I can't thank him enough, you can contact him vlahdmahrk @ gmail. com/567393 3031 for credit fixing and credit card payment or bank account huge money funding, he's just so professional. Thank me later.,,

  • Christina Glenn

    Usually i will ignore the calls or Iโ€™ll answer and ask whose speaking and then they will say, am I speaking to Christina lol I say, who is this calling me and what is it in regards to lol they say itโ€™s business matter am I speaking to Christina (they ask again) lol then I just hang up

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