NEVER EVER PAY COLLECTIONS!

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Rule number one. NEVER ANSWER THE PHONE IF YOU DO NOT RECOGNIZE THE NUMBER!

It was the fact that the collection agency buys the debt for pennies and then they still charge you the full debt amount AND it’ll still stay on your credit. That’s criminal

I have gone from being a 540 score owner to the 800 gang member with the help of Andy Hacks LLC, they've been a tremendous help for myself and my family and we now left our old lives of bad credit, you can look them up on google to read about them

Wow my guy , truly a solid man and ii have nothing but respect for that ! Giving away the secrets to credit that for some reason they do not teach us in school but will teach us things that we never use as adults in everyday life ! And what you just let us kno is information that most of the population needs to know !

All these people talking about "stop living beyond your means, stop using credit cards" have obviously never had medical bills... Yeah, I'll just drop dead and stop going to the doctors, thanks. Not everything is about living large. Tons of people are just trying to stay alive. As if going to the doctor is a luxury.... You think anyone WANTS medical bills???

Bro people like you is what makes me think that there are some people in this world who care about the struggling man and woman. Highly appreciated brother 👍🏻

My FICO score is 821 now after using their credit repair service at Andy Hacks LLC, I didn’t believe in them at first after seeing a video of competitors giving bad reviews but I had to use them because I need to get mortgages, thanks ANDYHACKSCREDITFIX🟤ORG, your work is the best !

Thank you for being honest with the intent of being helpful to those who aren't well versed in collections and credit!

This may be the most helpful ten minutes I've ever spent on YouTube. Wow. THANK YOU.

This was some valuable information. Ya whoever is scrolling through the comments I hope you have a phenomenal day. Get ya bread and all the crumbs too. Stack and act broke Ladies and Gents 😤🙌🏾

This shit works !!! Collection agencies now hang up on me .😁😁

This is a master class on credit you can’t even get at universities!! Big ups to you my g!

Everything you said makes a whole lot of sense. You've given me some "a-ha" moments. I'm not afraid to say that I've been "GOT" a couple of times, harassed, and all. You've just saved me a lot of migraines. I have lupus, and don't need the stress. Thank you so much!!! 😊💜

I had a credit card debt that went to collections a few years ago. When collection agency called I didn't answer so next thing I knew they filed in court to sue me for the debt and I was served court papers. I requested the collector show me the contract with my signature on it as part of the required discovery in any court case, which of course they couldn't provide. I had no contract with the collection company I had a contract with the original company but not the collection company. They couldn't show any mutually agreed upon contract and therefore I had no obligation to pay them, nor did they have any right to demand payment from me. Case dismissed. Sad thing is that not only did they have no contract with me, the statute of limitations had also run out, but had I not known these two facts the judge would have allowed them to go right on ahead and sue me and win a judgement. That judge would have sat there and granted that company a judgement against me after the statute of limitations ran out if I had been ignorant to the law. The courts say it's not their obligation to inform all of us regular citizens of the laws. Very sad. Just remember we elect judges!

Debt collection over text is scary I’ve been in the emergency room I want a paper bill

I agree 100% on to what you are saying. When the original debtor writes off that debt,they sell it to someone else for a few bucks. They have written off that debt and you do not owe that collection agency. Never give collections agencys any information. Never admit to the debt. Dont say anything if they call you. A collection agency generally will harass you more the closer the statute of limitations has run out. Keep your mouth shut,dont admit to a debt. After 7 years,that account goes neutral. You can restore your credit without a credit restoration expert.

Some people will even go to the extreme of suicide when they are in financial ruin, as was the case with one customer of the bank I underwrote for. Please know that bad credit is not the end of the world. To have bad credit simply means you may not get additional loans, and simply have to live within your means... (which once learned is very freeing). Please know that there is a light at the end of that tunnel. Simply take one day at a time and you will land on your feet. Don’t listen to any judgmental people either. Know that you are not alone; there are a lot of people struggling out there.

THANK YOU SO MUCH FOR THIS INFORMATION! IT'S CRUCIAL!

Your the real deal my friend. Thank you for looking out for us people that no nothing about this area. You have a new subscriber. . Take care. GODSPEED 👍💕