Replace Field Validation in the Consumer Credit Application

Aug 6th, 2022
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How to Replace Field Validation in the Consumer Credit Application

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today we are going over how to remove medical collections from your credit report and this video was actually requested by multiple people so for the issues that youre having make sure to drop it in the comments and let me know because if theres enough people i might make a video about it alright so theres many many ways that you can go after medical collections you can basically say that its unknown you can try to use hipaa if the account has been paid or you can just view directly with the collector right so these are a couple of things that we are going over today now theres way more way way more that you can do there are multiple tactics like theres over 20 tactics for removing specifically medical collections but really talking about these three today now if you go back a couple videos if you go back actually into the playlist for um dispute taxes youre going to find medical collections um excuse me how to remove medical collections uh using the hipaa violation process so y

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If you send the debt collector a written dispute or a written request for information about the original creditor within 30 days, the debt collector must pause collecting the debt until it responds to your dispute or answers your request. The debt collector will identify the date when the 30-day period ends.
Sending your dispute after the 30-day period nullifies your right to debt validation.
Debt collectors dont have a deadline to respond to a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) actually gives the collector this power to keep the debtor in a state of uncertainty until the statute of limitations runs.
(5) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph (c) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information.
What Happens If the Collector Does Not Verify the Debt? If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys fees, and court costs.
You can still send a debt validation letter after 30 days. However, because the 30-day period has expired, the debt is assumed valid and the collector can still come after you for payment before they respond to your letter.
If a debt collector fails to validate the debt in question and continues trying to collect, you have a right under the FDCPA to countersue for up to $1,000 for each violation, plus attorney fees and court costs, as mentioned previously.
If you dont receive a debt validation letter, or it lacks detail, you can make a debt verification request. You can file a complaint with the Consumer Federal Protection Bureau or the Federal Trade Commission.

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