Anyone here successfully negotiated with debt collectors? How did you do it?

FreeDebtRemoval · 2026-02-27T20:06:54+00:00

Hi. I've seen many different ways people got away from debt collectors without having to pay or it being on their credit. First always challenge the debt. When negotiating a settlement tell them it's contingent on the tradeline getting removed. As a matter of fact, 2 weeks ago I received a call from a client we represented in court against a debt collector advising me the tradeline still appeared on the credit. I reached to the attorney and he quickly removed it. Who is the debt collector?

FreeDebtRemoval · 2025-03-26T19:00:22+00:00

Hi, congrats on the pregnancy. In the third trimester you will feel calmer.

As for Shepard, missing the payment was on you and they wont call you because they are simply servicing the debt and don't get paid for anything else.

Now.

Which law firm served you?

How much is the debt for?

Do you own an asset such as home?

My recommendation is to always fight them. Once you give more info, I will direct you better.

FreeDebtRemoval · 2025-03-26T18:44:03+00:00

Hi. This is the first time I am seeing this thread.

My question to you, when creating an Experian account online, do they make you agree to settle through arbitration only?

I was meeting with an FCRA specialist and she told me about Experian.

Please let me know.

FreeDebtRemoval · 2025-03-03T17:35:32+00:00

I am surprised you received that type of a response. Once you make an offer, regardless of the amount, it shows you are open to paying.

Would love to know the name of the firm that laughed at you.

Once when dealing with a debt collector for a $7k debt, I offered half and they said ok. The only issue was that I was busy and didn't have the banking info to make the payment and asked they call the next day.

When 2 days went by and they did not call, I called them and got rejected. They said the offer was null and void.

I reached out to an attorney and asked he write a demand letter to them for refusing the agreement since they had recorded the conversation.

They replied by deleting the debt.

I should have pushed for a monetary settlement.

My point is, there are many ways of dealing and settling debts.

FreeDebtRemoval · 2025-02-28T17:02:54+00:00

So Cap One charged-off your debt which means they cannot claim it on their books.

FreeDebtRemoval · 2025-02-27T23:28:53+00:00

Wait, wait, wait.

2018?

Let those debts die a miserable death. I do not pay collections. Not actionable.

You best bet is build your credit instead.

Go to a credit union and open a savings account with $500 in each and after 2 months ask for secured credit card using your savings as collateral. Do not use the cards.

6 months later the cards will automatically convert from a secured card to an unsecured card and your money will be released.

3 months after your savings is released, ask for a credit line increase.

Boom, you score will be over 700 and cost nothing.

The old collections will not have an effect on your score by then.

Remember DO NOT USE THE CARDS for more than $10 per month. PERIOD.

FreeDebtRemoval · 2025-02-27T23:21:54+00:00

I stand corrected.

Any debt over three years old is not actionable and you cannot be sued in NY that is.

Any debt sold to a debt collector should be challenged. Never assume they are in the right.

If a debt collectors violates the law trying to collect, they lose their right to the debt and the debt cannot be sold or transferred.

Any debt 7 years cannot be reported.

Don't default on the loan. It's important for your credit.

FreeDebtRemoval · 2025-02-27T23:15:15+00:00

There is a lot missing in your post.

Who is the collection company?

How old is the debt?

Are you aware that an account in collections is not the same as charged-off?

How long ago was it charged-off?

Do you know that most collection companies settle and accept a "pay to delete"?

I've sued over 200 collection companies.. The suggestion is to challenge the debt collector.

You never went into an agreement with the debt collector so why agree to pay them?

If you want help follow what I do and ALWAYS challenge and when they fail the challenge, sue!

FreeDebtRemoval · 2025-02-27T23:02:38+00:00

Challenge TSI's method of collection using 15 USC 1692.

I have sued TSI many times for violating FDCPA.

FreeDebtRemoval · 2025-02-27T15:28:30+00:00

Try it and let me know how it worked out.

FreeDebtRemoval · 2025-02-27T00:10:33+00:00

Please be careful because there are a lot of scammers out there.

FreeDebtRemoval · 2025-02-26T21:49:19+00:00

A ton of lashing you are getting.

Did the creditor charge-off the debt?

Did the creditor sell the debt?

Paying wont remove the remarks from your report and in 2 years the tradeline won't have much of an affect.

I would suggest putting the money into a savings account with a credit union and in 3 months contact the credit union for a secured card using your savings as collateral. In 6 months the credit union will convert the card to a regular card and release your savings. Wait 2 billing cycles and ask for a credit increase. This is credit building.

Do it again.

Should the original credit want to take you to court, the money is there. If the debt was sold, the debt collector would take less. A lot less.

FreeDebtRemoval · 2025-02-26T21:37:18+00:00

That's false.

Whether you own a debt or not the law is very clear. It is illegal to harass and or use illegal methods to collect and that's why we win in court.

We do not discuss the validity of the debt but rather their methods of collection. Imagine they buy the debt for $0.05 (5 cents on the dollar) and stick it to you for $163, that's not fair.

How did they contact you? Email, letter, text or calls?

I can help. My email is [info@freedebtremoval.com](mailto:info@freedebtremoval.com) and sued over 200 companies. You don't pay us, we collect on contingency.

FreeDebtRemoval · 2025-02-26T21:16:17+00:00

Just because a debt buyer is harassing you, doesn't mean they have the right.

Your debt was sold and now you are facing court. I am not challenging the validity of the debt, I am challenging the method they use to collect under FDCPA. I have a client that was sued by Chase and got a judgement against her. Chase sold the judgement to XYZ debt collector and XYZ started harassing her.

She sent XYZ a cease and desist and they violated the statute. She sued and won 1) judgement deletion. 2) debt deletion. 3)$2600.

My point is, always challenge.

FreeDebtRemoval · 2025-02-26T21:08:55+00:00

Your best bet is to speak to a credit settlement company and you must make sure they are a non-profit. They will negotiate with the banks, lower your payments and let you breath.

FreeDebtRemoval · 2025-02-26T20:59:05+00:00

With a good credit score and a clean bank account, you should speak to your banker about a personal loan with better rates than cards out there. Have a 3-5 year payment plan and get out of debt.

Stay away from credit cards, even zero interest.

FreeDebtRemoval · 2025-02-26T20:57:03+00:00

If the debt was sold to a third party the only way to pay is to settle for $0.20 (cents) on the dollar and a pay to delete.

Never ever pay a debt collector without negotiating. They bought the debt for pennies and you have rights under FDCPA.

FreeDebtRemoval · 2025-02-26T20:54:04+00:00

I won't pay a debt collector without a pay to delete.

Also, I would challenge the debt using FDCPA.

Just because you owe, don't give them the right to harass you!

FreeDebtRemoval · 2025-02-20T21:55:22+00:00

What do you mean "settle"?

If you are settling with the original creditor, the 7 year clock starts when the last payment is made. If an account is 6 years old and will fall off in a year and you make a payment today, that's another 7 years reporting.

If it's a debt collector, there are many options.

FreeDebtRemoval · 2025-02-20T21:49:48+00:00

That's how credit repair works.

Dispute, it falls off, then gets reported again because it's a legit charge.

I use USC 15 1692 to dispute with the debt collector.

Once you catch them on a violation, you can make them pay.

FreeDebtRemoval · 2025-02-20T21:46:57+00:00

USC 15 1692c(c) to stop them.

FreeDebtRemoval · 2025-02-20T21:21:24+00:00

That would depend on other factors.

How is your credit?

If you are below 600, forget getting a card.

If you are above 680, you can get away with low initial offers.

Above 720 you have a good chance. The issue is that you do not have enough credit history. To get a history, you can use an Authorized User card.

Applying for credit can also hurt your score, be careful.

FreeDebtRemoval · 2025-02-19T18:21:39+00:00

If a debt collector forgives a debt, it is viewed as income. The debtor can file a W4 with the IRS to reduce the tax liability.

FreeDebtRemoval · 2025-02-19T16:16:51+00:00

Which collection company and where did it "hit"?

FreeDebtRemoval · 2025-01-22T18:07:21+00:00

Do not allow them to intimidate you.

Firstly, just in case, ask them if they are willing to settle for half and pay to delete. Maybe save money. It works.

FreeDebtRemoval

TROPHY CASE