>>3765734Horrible advice in this thread. DO NOT PAY DEBT COLLECTORS!
>Do not identify yourself over the phone. >Do not speak on the phone. Use written letters. >if you acknowledge your debt over the phone you fucked up bigtime. Debt collectors are scum that use scare tactics. You never entered an agreement with these companies. You can not be criminally charged. If your debt has reached a debt collector, the damage has been done already. Paying debt collectors will not make a change to your credit. The worst a debt collector can do is sue you. In most states, to be sued, you need to be physically given court papers. ie "being served" Check your state. Debt's have a limit on how long they can pursue collection. 6 years is common. You credit report only goes to 7 years prior. Meaning it will be wiped of your credit report in 7 years.
Hire a company to challenge the veracity of said debts. Companies are obligated to give written correspondence within 30 days. If they do not, it will be removed from your credit report. If they respond, they will challenge the methods. Most companies can not complete this within 30 days. Meaning most bad debts can be removed. Meaning debt collectors will have no foot to stand on if they take you to court. This is why you should not talk to these fuckers. Tell them not to call you anymore. They legally can not call you.
Improve your credit by getting a secure credit card and carry and 30% balance.
T. Business Fag who had bad business deals.
