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hey it's boiler Williams what do you do when you dispute a death with a debt collector and they send you a letter back this guy all kinds of proof that you owe the debt what do you do I'm going to tell you what I do right now [Music] this question came up in my group debt collector resistance where Muhammad one of our members one of the resistors I called buddy in the group resistors one of the resistors sent out a dispute letter to a debt collector so that's the first step you do when you get any contact with the debt collectors you send a dispute you can join my group that letters free there it's real simple letter so he sends out this letter and then the debt collector replied back with a few pieces of paper and said that here's proof that you owe the debt so what do you do look at the documentation that they sent you does the documentation say that you owe the collection agency money so in I'll use an example that I work on recently where a person here in Colorado otice school money so we'll just call it the school and then the debt collector so my friend one of the resistors challenged the debt used the letter that's on my group page use that and then the school the school didn't send anything back the debt collector sent back documentation that showed a computer printout of you owe the school money okay so if you look at it my friend the resistor might actually owe the school money who knows that's arguable but do they owe the debt collector money all of the documentation that they sent had nothing to do with the debt collector how does this debt connect to the debt collector so that's what you challenge so think about that so my friend got a couple pieces of paper behind a letter saying yeah you have a debt here's proof and it was a printout from the school saying that that my friend owe money to the school maybe maybe not and then it was the like a school schedule it was kind of crazy so at any rate think about what they're sending you and is proof that you owe the the collector so in this example that is real there was no mention of the debt collector on any of the documentation clearly there's no proof that you owe the debt collector money because it's not even mentioned on there another thing to look at is is this verified information is there any signatures on it there's never any signatures on this stuff there's never your signature on there there's never the collectors signature on there there's never the original creditor the school in this example there's nobody signing that paperwork saying that you owe money so think about that so how do you respond so you mean you can formulate what's wrong with this letter but how do you respond so I'll tell you how I respond I always respond that whatever they sent me is not proof right so I respond you know dear debt collector I'm in possession of the papers that you sent me on whatever day this information is unresponsive to my demand I demanded proof that I owe you money this is not proof that I owe you money in fact your name isn't even mentioned on any of the papers that you sent me please provide proof that I owe you money before continuing collect collection activities pretty simple you know put it in your own words but you know they were wholly unresponsive to your demands that's kind of the way to look at it so so think about it I mean they were they didn't prove that you owe any money so think about that also think about you know when you do get documentation who says this documentation is right you know if if you're even a hack on Photoshop I could make it a bill that says that you owe University of Utah fifteen thousand three hundred and twelve dollars and eight cents I could do that with Photoshop so it has to be verified it has to have somebody's signature on there saying that indeed they've checked the system and they've checked the course schedule or have you or they checked the charges that you made you bought a dress or whatever you bought and they verify that it's you and it's your account they hardly ever do this so what I'd ask you to do is think about that if you have any questions put them below it's kind of a you know I kind of hit it a wide level I didn't really drill down because it's going to depend a lot on specifics but if I saw you know the proof that they sent you I could drill down and tell you everything that's wrong with I could probably talk for hours about two pieces of paper but think about it you know that if it's not verified by a person then you know if it's presented in court you know you would just object you know who says this piece of paper means anything I mean it really is just a piece of paper until you have a first-hand personal witness they can say yeah I saw this that came out of the system I verified this I wouldn't did this thing then you have a person but when there's no signatures nobody's verifying that this information is correct it's just a piece of paper it really is just a piece of paper with some ink on it so think about that and I'll leave you with one other thing is you know with signatures I've been deposed here in Denver and they put pieces of paper in front of me that had no verification on nothing like this and they asked me is this your signature on on this piece of paper and you know it's like a copy of the loan app that looked like my signature on it right I said no they said you know we saw you sign in you know for this deposition and also you know we looked at the signature and they kind of looked the same to us are you sure that's not your signature and I kind of threw him a bone I said no it could be a maybe a copy of my signature oh is this a copy of your signature my reply was I don't know you'd have to ask the person that made the copy so don't give them anything you know they're not here to help you they're here to make money off of you and they're here to take you to the cleaners so you know that's my big problem with debt collectors it's not you know paying back money that you owe or whatever it says they take you to the cleaners man they'll take you for every cent they can get the lion cheat so why are you letting them do this when they send you documentation don't fess up the teachers make them prove their case so that's that's where I stand with us join us in the debt collector resistance subscribe to my channel I have a class on credit repair you go to hit man credit comm and sign up for that class I'm here to help you I'm here to help you with credit issues I'm here to help you with debt collector issues so sign up there's also some videos here you can sign up for and get after it the longer you wait the longer you're going to have this problem so get after it thanks