Debt Validation and Dispute
Have you ever heard of debt validation? It’s the debt relief industry’s best kept secret.
Did you know that there are many debt collectors out there who are illegally collecting payments on debts?
If creditors or debt collectors aren’t following consumer protection laws, they can’t legally collect on your debt. This means that you no longer have to pay them. Sounds too good to be true right?
Suspend your disbelief for a moment, and imagine your friend Tom loaned you money. If Tom then sold that debt to Sally, and Sally knocked on your door to collect, you probably wouldn’t take Sally’s word and start paying her. As a matter of fact, you may even ask Sally to prove he had a legal right to collect payments from you. You’d probably want to see that Sally had the original terms of your loan arrangement, and that Tom had given her a signed document allowing her to knock on your door. If Sally was unable to provide this information, then, as a wary and intelligent consumer, you probably wouldn’t pay her. What would Sally do? She wouldn’t be able to legally collect as she had no paperwork.
This is what happens everyday on whats called the “Secondary Market”. Original lenders auction off large amounts of debt for pennies on the dollar. Then they transfer your debt to the third parties, and in some cases, those third parties do not maintain the proper paperwork trail. In many cases, the third party is simply buying an excel spreadsheet with a debt amount and a phone number.
This is where Easier Debt comes in. We verify the third party who is calling has the legal right to do so.
We have a tried-and-true debt validation process. We dispute any and all debts direct with the agency attempting to collect. We help you dispute bad debts, and validate debts from unscrupulous creditors.
Fill out the form below, and one of our specialists will contact you.
We have a long history of identifying weak spots in your credit report that are worth further investigation.
Let us look at your credit report, free of charge, and create a plan of action for legally lowering your debt.
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