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Posted

Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace


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Posted

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

Posted

Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

35.gif

 

36.gif

Posted

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

Posted

 

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

And the advice on CB is also to only DV debts outside of SOL unless you are prepared to pay.

Posted

 

 

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

And the advice on CB is also to only DV debts outside of SOL unless you are prepared to pay.

 

 

Ehrrmm... In furtherance of why to always DV:

 

I have been noticing a lot of posts lately that seem to be talking the nuts and bolts of credit repair and negotiations with CA's that don't even mention validation. Remember validation is our most valuable right when dealing with a third party collector. Validation is the single most important step of your credit repair if you’re looking to pay/sue/negotiate/prove ID mistakes. If you have a CA of any kind on you’re reports or actively calling you or writing dunning letters

 

V-A-L-I-D-A-T-E!!!!

 

Even if you’re currently in a payment plan with a CA, validate. Even if you’re trying to get a paid CA TL off, validate. I don't care what the situation is, if you've got a CA on your tail, validate. And follow through, don't let them off the hook!

 

I put it all in that pretty blue color, but the source: http://creditboards.com/forums/index.php?showtopic=56494

Post name: VALIDATION! IT IS YOUR SAVIOR!

Post date: 9/24/2004

Referenced again in Jen23514's thread: http://creditboards.com/forums/index.php?showtopic=425508

Date on that: 2010 sometime

 

Post text:

 

 

Posted 28 January 2010 - 04:23 PM

What is disputing and why?

 

Basically, there are two main types of disputes (more, but let's stick to 2 for now). Disputing with the CRAs (credit reporting agencies) and disputing with the CAs (collection agencies). How you dispute with them, is based on your circumstance and knowledge of the laws and what you are hoping to accomplish.

 

The FCRA gives the consumer the right to challenge any information on their credit report. On CB, this is referred to as asking for verification.

 

http://creditboards....?showtopic=3802

 

http://creditboards....showtopic=13898

 

The FDCPA gives the consumer the right to ask the CA to provide documentation that the debt is indeed yours. On CB, this is referred to as requesting validation.

 

http://creditboards....showtopic=56494

Still confused on the difference between verification and validation? Try these threads:

 

http://www.creditboa...?showtopic=3802

 

http://creditboards....showtopic=71997

 

http://creditboards....showtopic=37566

 

http://creditboards....?showtopic=3310

Of course, I didn’t post every thread out there on validation versus verification, but hopefully these will give you a base.

 

Knowing the difference between the two is vital to your success.

 

 

:good:

 

As to the other clown, tell him to go on Dr. Oz and make millions.

Posted

Hi Recruiting, pretty vile stuff here. I noticed a lot of traffic coming from this site in my analytics, so I thought I would check it out.

 

I'm the guy you're talking about. What exactly is the problem? Did you read the entire article? I'm guessing not.

 

How about you refute the points and opinions I made and have an intelligent conversation, rather than libeling me on the Internet?

 

And where do I admit that I was one of the most hated debt collectors? I was good at it, when I did it, because I took the exact opposite approach to what is typically taken. I treated people the exact same way I would want to be treated myself. I viewed myself as a problem solver and not a debt collector, back when I was in the collection industry. I was actually logical and sensible.

 

How and why would I get kickbacks from collection agencies? I never have, by the way.

 

And as far as my business model is concerned, when I was in collections, I found that most people want to pay their bills, but their situation was too grave to where they couldn't. My business model is designed to help people who have an asset or other financial resource that would enable them to resolve ALL of their delinquent accounts right away and at the same time. How is that a scam?

 

When I was in collections, I encountered people all the time who cumulatively owed way more than what they could get their hands on. I developed my service to help these people try and solve their problem with what they have available to them.

 

Congratulations on being the first person in 12 years to say anything negative about my services. It's a shame that you didn't take more than moment to try and understand what I do for people.

 

Anyway, read the article and post your specific concerns, I'll be more than happy to have a civil and rational debate....

 

Best,

 

Jared Strauss

Posted

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

Posted

LOL!!!!! :clapping:

 

Here we go.

 

35.gif

 

36.gif

 

Mis information is king....

 

Miss%20Information.png

Posted

 

 

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

No, it doesn't. Obviously you have no idea what you're talking about and should not be giving advice.

Posted

 

LOL!!!!! :clapping:

 

Here we go.

 

35.gif

 

36.gif

 

Mis information is king....

 

 

 

Should I get in on this…… :rolleyes:

 

 

I'm holding back, myself... :rofl:

 

But let's just pepper this thread with some birdshot/fact: http://creditboards.com/forums/index.php?showtopic=3802

 

Q5. Why bother with validation at all? Why not proceed directly with the verification process? I think I know the answer to this one, but I am interested to hear anyway.

You bother with validation because it establishes what you owe and who it is owed to as well as what records the debt collector's have, if any. If they don't have the records, or can't obtain them, then validation can't be accomplished. Once it is requested, collection activity must cease until it is provided.

Posted

 

 

LOL!!!!! :clapping:

 

Here we go.

 

35.gif

 

36.gif

 

 

Mis information is king....

Should I get in on this :rolleyes:

I'm done in this thread. When someone believes themself to be an expert but doesn't understand the most basic principles or ideas, it's not worth arguing.

Posted

 

Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

35.gif

 

36.gif

 

 

 

Hi Joseph,

 

I have my pop corn in hand too! :)

 

So what exactly in the article is misinformation?

 

Again, I'm hoping we can have a very civil and rational debate. Let's all do our best to keep this exchange as professional as possible. Thank you.

Posted

 

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

 

 

Hi again. I encourage you to read the entire article and not just a "quick scan". Thank you.

Posted

 

 

Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

35.gif

 

36.gif

 

 

 

Hi Joseph,

 

I have my pop corn in hand too! :)

 

So what exactly in the article is misinformation?

 

Again, I'm hoping we can have a very civil and rational debate. Let's all do our best to keep this exchange as professional as possible. Thank you.

 

 

Hi there. :wave: Seems you replied as I was typing mine...

 

Well, I am reading your site now, and .. you present some "interesting" information. One piece I am particularly wondering about, is:

 

 

 

In 12 years time, I have never, not once, recommended to my clients to send a debt validation letter on a valid debt.

 

Now, as to the quoted, from the webpage. May I ask why that is?

 

And, another question.. Do you know what board you are on? :blink:

 

And, lastly, for this post.. Without putting words in anyone's mouth here, everyone here can speak for themselves.. You appear to have been involved in for-profit debt settlement. Without getting too deep into it.. is that accurate? Or would you take issue with that statement.

 

 

 

Hi again. I encourage you to read the entire article and not just a "quick scan". Thank you.

 

Yes, I felt compelled to check out the page. Am reading it now, since it's out there.

 

Again, you seem to be in good spirits, and came at me with respect, so. Though I am loyal to Creditboards.com and I should state that.. I now hit the "Post" button.

Posted

 

 

Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

No, it doesn't. Obviously you have no idea what you're talking about and should not be giving advice.

 

 

 

It doesn't? How so? If a consumer receives a response to the validation request, won't the consumer generally be tempted to communicate further? Doesn't that further communication expose the consumer to potentially acknowledging the debt? Sure it does!

 

Again, sending a debt validation letter in this scenario is foolish. Especially for consumers who don't have a lot of experience with dealing with these types of things, which is pretty everyone.

 

A cease and desist letter is the safest maneuver in this situation, because it eliminates the possibility for the consumer to put their foot in their mouth.

 

And, in the event that credit deletions are the goal, dispute through the credit bureaus on out-of-stat debts. Not with the CA's themselves.

Posted

Can you post the entire article here?

 

Please

 

 

Can you post the entire article here?

 

 

Both this site and mine could be heavily penalized by Google for duplicate content, so no. The link to it is in the first post. Thank you.

 

 

OK, you just lost my respect.

Posted

There is one glaring problem with using his "services." If he becomes known and only works with clients that he has verified have the current ability to pay then any halfway, non-brain dead, debt collector will immediately elevate that account to, as they say, "low hanging fruit."

.

Recipe for failure.

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