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Paying a debt collector without knowing your rights can completely wreck your credit.

So if you’ve been dealing with debt collectors contacting you non-stop, sending you intimidating letters, and making you feel trapped with no way out, take a breath: there is a solution.

I’ve seen it happen too many times: someone thinks they’re doing the right thing by sending money on an old debt, and just like that, they restart the statute of limitations, kill their credit score, and lose all their legal leverage.

And the worst part?

A lot of that debt might be totally invalid, inaccurate, or straight-up fake.

In this episode, I discuss exactly what you should do when a debt collector calls. You’ll learn how to protect yourself using the Fair Debt Collection Practices Act, how to demand real proof before you ever consider paying, and how to spot the violations that could not only erase the debt but possibly put money in your pocket.

If you or your clients are getting those stressful calls and scary letters, take a deep breath.

You’ve got more power than you think, and this episode will show you how to use it.

Tune in now for more!

Key Takeaways:

00:00 Intro

01:56 Before we start

05:48 Validate the debt

06:14 Check the statute of limitations

06:41 Look for violations

08:22 Partner with an attorney

09:16 Negotiate smart

12:26 Outro

Additional Resources:

• How to Write a Pay for Delete Letter
• How to Write a Debt Validation Letter
• How to Write a Letter to a Collection Agency
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Vance Dotson Reveals How to Make Debt Collectors Pay YOU!

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