The Clever Disputes Guy
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The Clever Disputes Guy

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Short | 1 months ago

TRUMPS NEW BANK LAWS

CONGRESS PASSED FDCPA

TRUMPS NEW BANK LAWS

When a debt collector comes after you for debt owed, but you sent a cease and desist letter. Now, they owe you $1000 for EVERY letter. It's illegal for a collection agency to buy your debt and come after you for it. You didn't consent to that. And they are harassing you..

PURSUANT 15 USC 1692

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TRUMPS NEW BANK LAWS

Short | 1 months ago

CONGRESS PASSED FDCPA TRUMPS NEW BANK LAWS When a debt collector comes after you for debt owed, but you sent a cease and desist letter. Now, they owe you $1000 for EVERY letter. It's illegal for a collection agency to buy your debt and come after you for it...

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Getting ready to tell my client who is using Al her credit is now at 713

Short | 1 months ago

Getting ready to tell my client who is using Al her credit is now at 713 after removing a $1,134.65 Victoria's Secret collection, a $8,489.43 Capital One collection, and 10 late payments off her credit 🙏❤️ #creditrepair https://www.cleverdisputes.com

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Forbearance is supposed to pause your payments without penalty. That's the whole point of requesting

Guide | 1 months ago

www.cleverdisputes.com Forbearance is supposed to pause your payments without penalty. That's the whole point of requesting it. But servicers don't always code those months correctly in their system. Instead of reporting "in forbearance," some months get co...

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What should you do if you have collections from Portfolio Recovery associates, Midland credit mngt.

Short | 1 months ago

www.cleverdisputes.com What should you do if you have collections from Portfolio Recovery associates, Midland credit management, Ivnv funding, Jefferson capital #creditrepair

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A debt can't legally be "re-aged"- but it happens constantly.

Short | 1 months ago

A debt can't legally be "re-aged"- but it happens constantly Collectors sometimes report an old debt with a new date to make it look recent. My bio's Al checks the real timeline for you www.cleverdisputes.com

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The Hidden Risks of Your Student Loan Servicer Transfer

Short | 1 months ago

Every time your student loan gets transferred to a new servicer, something on your report has a real chance of breaking. The old servicer is supposed to close their account and mark it "transferred," clean and simple. A lot of the time, that just doesn't ha...

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When we remove a $1,700 collection, $14,000 repo, annd 27 late pay: My clients score went to 700.

Guide | 1 months ago

www.cleverdisputes.com When a user uses my Ai software to remove collections, repo, annd 27 late pay: My clients score went to the 700's and bought a boat #newboat #creditrepair #financialfreedom #latepays #credittips #repo #credithelp #viral #msicreditsolu...

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Late payments, charge offs, collections, bankruptcy

Short | 1 months ago

www.cleverdisputes.com Late payments, charge offs, collections, bankruptcy. Portfolio Recovery Associates, Midland credit management. Capital one, chase, Wells Fargo, American Express, Bank of America

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TRUMP AI ACTION PLAN #creditrepair

Short | 1 months ago

www.cleverdisputes.com TRUMP AI ACTION PLAN Congress passed a new law (FCRA law) which allows you to permanently remove collections that are older than 2 years old using AI LETTERS Items That CAN Be Removed With Al: HOSPITAL BILLS STUDENT LOANS CAR REPOS CL...

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Beloved "Pay Later" Phone Plans Quietly Reporting to Collections—Here's What It Means.

Guide | 1 months ago

www.cleverdisputes.com Financed a phone through your carrier and fell behind at some point? That balance doesn't just disappear when you switch providers or cancel service. Carriers increasingly send unpaid device balances straight to collections, and once ...

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So you send a specialized debt validation demand using Al under FDCPA Section 809

Short | 1 months ago

www.cleverdisputes.com When a debt collector buys your $18,000 credit card balance for $233, but reports the full amount to tank your score... They are quietly claiming a legal right to collect a balance they didn't issue, while lacking the original account...

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This is why I never call collectors anymore.

Short | 1 months ago

www.cleverdisputes.com This is why I never call collectors anymore. Link in bio does the disputing for me — 45 days later, it's like it never happened. When a collector doesn't respond within 45 days and a 20k dollar repossession is forced to be removed

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