How to Write a Pay for Delete Letter

I’m a layman, not a lawyer. Legal information is not legal advice. A lot of people won’t tell you this, but you can get legitimate collection items deleted from your credit report entirely with some negotiating skills and a lot of tenacity. Specifics vary greatly from one situation to the next, but, in general, you as the consumer end up paying all or most of a delinquent collection account, and in exchange the collection agency agrees to remove the offending

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How to Get a Judgment Vacated

I’m a layman, not a lawyer. Legal information is not legal advice. More than 90% of collection lawsuits end in an uncontested victory for the collection agency. That means that only about 10% of consumers fight collections lawsuits when they occur and even have a chance at a courtroom victory. When a collection agency obtains a default judgment, it gets more or less everything it asks for, but it doesn’t need to be that way! Often when challenged, a debt

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