The one thing collection agencies don’t want you to know
Closed border states are ideal for people who owe money to live because many collection agencies can never call or communicate with you in any way.
The exceptions to this are business accounts and if the collection agency that is trying to collect a debt from you is licensed in the same state that it is in.
The way this works in your favor is that if the collection agency that is trying to collect a debt from you is not licensed in your state, it will not be able to put anything on your credit report. Let me explain why … The Fair Debt Collection Practices Act and the Fair Credit Reporting Laws state that you must notify the debtor (that’s you) in writing that you have 30 days to dispute the validity of a debt in writing. or the debt will be assumed valid. Since a collection agency cannot contact you when you live in a closed border state, they cannot send that to you and even if you weren’t in a closed border state when you incurred debt, you can still eliminate it. .
To do this, you will have to dispute your invoice. Let me make this clear up front that this does not eliminate debt, but it does remove it from your credit report. If you live in a closed border state and you owe money to a collection agency that is not licensed in your state (most agencies do not have licenses in multiple states, but some do), what you should do is receive shipping by mail. collection agency address reporting it to your credit report. Along with the address, you will need to obtain your account number, reference number, or file number. That is all the information you will need and you can get it in a very quick phone call, it will be quick and painless. Now that you have all of your account information, you will send them a written dispute letter. Now, in this dispute, you will want to specifically state that “if you cannot validate this debt, I want it removed from my credit report immediately.”
Now the real beauty of being in a closed border state is that you can still contact the collection agency anytime you want about anything on your account and they can’t reach you even when you tell them to call you back, still by law they cannot call. you. What you need to do is send the dispute letter to the collection agency with your demand that it be removed from your credit, then call them on the phone every other day just to check and see if they removed it from your credit report. or not.
Below is a list of all closed border states
Alaska
Arizona
Colorado
Connecticut
Delaware
Hawaii
Idaho
Mississippi
New Jersey
New York*
North Carolina
North Dakota
Maine
Maryland
Massachusetts
Minnesota
Oregon
Tennessee
Texas
Utah
Washington
West Virginia
* New York is not statewide, it is in Buffalo and in New York City, you will need to check with your Attorney General to be absolutely sure.
-Don-
