Using Your Credit Report to Cancel a Debt Carried by a Collector

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According to the Fair Debt Collection Practices Act, any debt which has been disputed and which the alleged creditor fails to validate, BECOMES UNCOLLECTIBLE.  The alleged creditor is barred from all further collection attempts.  The cases of restitution, fines, tax liens, etc are a recent discovery. 

This has not been carried through to a conclusion yet, as to what the implications may be with this.  It is possible that anyone who does this and gets his fines or restitution deleted off of the credit report may be able to use the deletion as evidence of fraud and get a void judgment in his case.  This has not been tried yet, but will soon be in the process.  There are several people right now, attempting to duplicate the deleting of restitution/fines, and then we will see what they can do about using that to their advantage in their cases.  The key to the front gate may be through the credit report.  The key to freedom for a lot of people out there is certainly through this process.  Someone I mentioned this to, said that, “if you have restitution, you are ORDERED by the court to pay it!”  I said, “Well can the court order anyone to pay a fraudulent and invalid debt?

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 Using Your Credit Report to Cancel a Debt Carried by a Collector

I discovered that the courts are selling fines, judgments, restitution and child support accounts to collection agencies.  Once the account is transferred to a collection agency, the original creditor has signed off of the account, and said that the debt to said original creditor is satisfied.  You did, after all, provide this original creditor with a signed contract or promissory note (consideration), and therefore, such creditor has been “paid” from day one.  However, when the account goes to a collection agency, it’s a new account, and they have NOTHING with your signature on it to hold against you in court (unless they get you in default).  So, when you dispute the debt as we do, they run for the hills, because they are violating the Fair Debt Collection Practices Act, and committing fraud. 

The process goes like this: 

  1. Get your credit report from Trans Union – They are the easiest to do this with, and then you can use their revised report to force the other Credit Bureaus to revise also (if they don’t do it automatically);
     
  1. When the credit report comes, make as many copies of the “dispute form” as you need in order to dispute ALL ADVERSE ENTRIES.  Obviously we don’t want to delete the good stuff.  The dispute form should come with the credit report.  It has boxes to check off for reasons why you are disputing the info, such as “Not my account” or “Account is Paid”.  Check off the box at the bottom of the list that says “Other,” then type in “Account is Pre-Paid.”  Then go all the way to the end, and there is a space for “Additional Comment”.  Type in “Please provide Me with the addresses of all creditors on the above listed accounts” and it in.
     
  1. In about 10 days to 2 weeks, you will get a list of the addresses of the creditors.  Send each one a letter like the one I attached to this.  ** This step is OPTIONAL.  It has worked just as well without sending anything to the creditors, so you could just wait and see if it works without the letter, and if they don’t delete, send them something later.
     
  1. About 5 weeks after you sent back the original dispute form, you will get another credit report with all of the collection agencies accounts “DELETED”.  This means that they were not able to VALIDATE THE DEBT to the satisfaction of the Credit Bureau for compliance with the FDCPA.  (Fair Debt Collection Practices Act).

Any debts which remain on the credit report after doing this will have to be contested by administrative process.  But as said above, this has been seen to work with Federal restitution and according to the Fair Debt Collection Practices Act, any debt which has been disputed and which the alleged creditor fails to validate, BECOMES UNCOLLECTIBLE.  The alleged creditor is barred from all further collection attempts.  The cases of restitution, fines, tax liens, etc are a recent discovery. 

This has not been carried through to a conclusion yet, as to what the implications may be with this.  It is possible that anyone who does this and gets his fines or restitution deleted off of the credit report may be able to use the deletion as evidence of fraud and get a void judgment in his case.  This has not been tried yet, but will soon be in the process.  There are several people right now, attempting to duplicate the deleting of restitution/fines, and then we will see what they can do about using that to their advantage in their cases.  The key to the front gate may be through the credit report.  The key to freedom for a lot of people out there is certainly through this process.  Someone I mentioned this to, said that, “if you have restitution, you are ORDERED by the court to pay it!”  I said, “Well can the court order anyone to pay a fraudulent and invalid debt?

This person shared his personal success by using this method and was even successful at getting all the back child support payments that were being collected by Social Services removed from his credit report.   I received copies to verify his success story!   This is being shared by permission.

Roger Elvick 11-27-03 

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WHAT CAN YOU DO? Stop playing THEIR game. Take back your power. Stop paying taxes that are not legal or lawful. Stop paying bills you don't really owe. Debt Elimination! Stop using THEIR money. There ARE ways if you open your mind and look for the gaps in their fences that keep the sheeple in their pasture. Are you chattel or a real person? You are the one who makes that choice.

Our experienced debt elimination service professionals have been helping people with debt elimination, tax freedom, and credit repair for over ten years. To contact them click here. Get rid of debt! Debt Elimination is Real Freedom!

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