Jefferson Capital Systems Sent You a Letter. Here's What to Do Next.
Jefferson Capital Systems is a debt buyer, not the original creditor. How you respond in the first 30 days decides whether the file quietly closes,…
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FDCPA
NCB Management Services Calling You? Here's What to Actually Do
NCB Management Services buys defaulted credit card debt and collects from a Trevose, PA office. How to validate, when to settle, and what to do if…
Portfolio Recovery Associates Is Calling. Don't Pay Anything Until You Read This.
Portfolio Recovery is the largest debt buyer in the U.S. and a CFPB repeat offender. Validate before you pay, raise SOL if old, and answer any laws…
LVNV Funding Sent You a Letter. Here's What That Actually Means.
LVNV Funding buys defaulted debt and hires Resurgent Capital to collect. Here's what their letters mean, how to validate, and what to do if you're…
How to Use a Debt Validation Letter to Stop Collectors in Their Tracks
Send a debt validation letter within 30 days and collectors must stop calling, reporting, and suing. Sample letter, timing rules, and state-specifi…
Midland Credit Management Is Suing or About to. The Rules Are Different Than a Normal Collector.
MCM doesn’t work for your original creditor. They bought your debt. Every part of this, the leverage, the defenses, the settlement math, even the s…
Sunrise Credit Services Is on Your Caller ID. Here's What They Actually Do.
The number shows up once a day. Different times. Different extensions. It’s almost always about a phone bill, a cable account, or a credit card you…
Harris & Harris Sent You a Notice. It's Probably Not What You Think.
Most people get their first letter from Harris & Harris and assume it’s about a credit card. It usually isn’t. It’s a toll violation, a hospital bi…
TrueAccord Keeps Emailing You. Don't Click the Link Yet.
The email is polite. The subject line sounds like customer service. There’s a friendly button that says something like “Resolve today.” This isn’t…
Unifin Is Calling About a Debt You Half-Remember. Now What?
A number with a Chicago area code keeps hitting your phone. The voicemail is vague. A text shows up with a link and an account number that sort…
