What's on your wish list?

When you catch a debt collector breaking the law, all the leverage shifts to you.

Most of them are ready to settle—and what you get depends on what you ask for.

Here's what's on our wish list when a debt collector asks us to settle a violation case:

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#FDCPA #DebtCollectors #GenieInABottle

1. Delete the debt—for most debts under $10,000, a solid violation case can wipe out the debt entirely.

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#FDCPA #DebtCollectors #GenieInABottle

2. Remove negative credit reporting—once the debt gets wiped out, the credit reporting has to go, too. That stain gets removed.

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#FDCPA #DebtCollectors #GenieInABottle

3. Non-disparagement—they can’t say bad things about you in the future, on your credit report, or elsewhere

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#FDCPA #DebtCollectors #GenieInABottle

4. Cash—they not only wipe out the debt, they pay your legal fees (your lawyer is free to you), and they even write you a check for more.

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#FDCPA #DebtCollectors #GenieInABottle

When a debt collector does you wrong, what would you ask them for?

#FDCPA #DebtCollectors #GenieInABottle