How to Cancel Debt

Want to learn how to cancel debt?

Did you catch our blog post yesterday?

If so, you learned that request for debt validation needs to be done within 30 days of receiving the 1st notice from the debt collector.

Why and How to Cancel Debt ASAP

What If Debt Is Not Disputed Within 30 Days of Receiving Notice?


While the Fair Debt Collection Practices Act states that the consumer should dispute the debt within the first 30 days of receiving the notice it does not state that you cannot dispute it later.

It may be that you discovered the debt 45 days later or the original notice sent by the collector did not reach you or that you received it but did not know what to do until you start looking into your options.

If the collection agency completely refuses to validate your debt because they claim it has surpassed the 30 day period then their only other option is to sue you…

Wherein you can defend yourself by appearing and explaining to the court that you were never allowed to receive proof of what they claimed you owed and, you were not going to pay anything until you had proof that their balance was valid.

Additionally, the collector will not be able to prove when you were first notified of the debt simply by sending a notice in regular mail.

Again, you may have never even received it.

History shows us that collectors HATE Validation Of Debts requests. It is time-consuming and stalls their collection efforts. Like we showed yesterday.

You may never even receive the proof even after many requests. Many consumers never hear from the collector again after they ask for the Validation Of Debts.

If the balance is large enough and worth the collector’s time, you may receive some sort of proof but 99% of the time it’s not the original wet-ink signature (so you still have that to lean on).

*If you can find out more information on when the debt was sold (and how many times) this can also help your case.

For example, if you can find that the debts been sold numerous times this can help prove your validation case.

How to Cancel Debt Even If You Missed the First 30 Days

Bottom line: if you missed the first 30 days, hope is not lost.

But the process will take a bit more persistence on your part.

How much time is it worth to you?

If the amount is something you can pay back in a reasonable amount of time (2-4 mo.) then perhaps that’s the better option.

If the amount is worth fighting to remove – then erase it.

There’s still hope! So let’s not waste any more time…

Get Debt Removal Secrets & Start the Process TODAY!

Wondering what incentive debt collectors have? In tomorrow’s post we’ll share 8 surprising facts debt collectors don’t want you to know.

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Private Wealth Academy