- Revolutionary approach to consumer protection against debt collectors
- Rendering collection agencies helpless
- Putting consumers back in the drivers seat
- Empowering and Restoring confidence in the client within months, not years
- Bulletproof system from beginning to end never seen before poised to go viral
- Most efficient and least expensive system in history now for the first time, available to the public
- Invoking nine different laws to dispute unsecured debt, not just FDCPA
- Building a commercial record on behalf of the client each step of the way
- Aggressive compensation plan to include commissions on each account, not just each client
- Never a better time in history to implement this program
- Completely automated, streamlined and user friendly platform
- Legally forcing collection agencies to prove that the client owes anything at all
- Financially auditing the debt collector to veify debt and expose fraud
- Comprehensive corporate support system
- We have created a technicality within our paperwork that debt collectors cannot get around
- Collection calls to the client cease immediately for short term results.
How Our Program Works
Our program is a 2 step process…. Once your funds are drafted and cleared along with their submission of their most recent correspondence implying payment is due (this may be a bill, statement, late notice, or demand for payment), we send out the first set of dispute documents requiring the debt collector to verify the debt.
Package 1:
1. Notice & Demand of Validation of Debt-Security Agreement
2. Debt Collector Disclosure statements
3. Copy of your most recent correspondence
4. The Power-of-Attorney
5. Notary Certificate of Service
6. Cover Letter
This initial package instructs the debt collector that they must cease and desist collection activities, including phone calls, under the Fair Debt Collection Practices Act.
The debt collector must return a filled out Debt Collector Disclosure Statement, a forensic accounting, all legal documents regarding the account; prove that the debt was not written-off or paid by an insurance policy, and that the debt collector is duly empowered to actually collect the debt.
All of this must be provided under penalty of perjury. Because debt collectors who have been assigned or purchased the account are not the original party they don’t have all the “original documentation” needed to verify the debt, additionally the debt is almost always “written-off” or paid by insurance policies thereby closing the account. We have as of yet never had a single debt be verified!
Package 2:
We send out our Letter of Non Response, by the notary, with an Affidavit of the attorney.
The Letter of Non Response explains to the collection agency that they did not respond, or responded incorrectly to our legally binding request. Therefore, voiding the debt!
At this point the collection agency would much rather move on to the next customer then continue dealing with us.
What Happens next:
- Client could receive a letter of stating that the collector will cease collection.
Or,
2. The collection agency sells the debt to another collection agency (we will respond to the second collection agency in the same manner as the first, at no additional cost, until the statute of limitations expires).
Or,
3. The collector could continue the process and take the client to court, at which point we will help supply an attorney who can do a counter-suit for their violation of the Fair Debt Collection Practices Act and ask the court to make the debt collector pay you. Generally, the judge will ask the collector why they didn’t comply with Federal law and respond to the validation request. The case should be thrown out of court at this point. Clients being sued in court by a 3rd party debt collector only happens about 2% of the time.
4. If they continue to attempt collection you could sue the debt collector for monetary damages.
Contact me today... Dale@cmigroup.org 443-280-9681
Q – I DON’T UNDERSTAND WHEN YOU SAY DISPUTE THE DEBT. I AM THE ONE WHO USED THE CREDIT CARD. AREN’T I RESPONSIBLE FOR PAYING THAT BACK?
A – WHEN WE SAY WE ARE GOING TO DISPUTE YOUR DEBT, WE ARE NOT DISPUTING WHETHER OR NOT YOU USED THE CARD. FOR WHAT WE ARE DOING, THAT IS IRRELEVENT. WHEN YOU ENROLL IN OUR PROGRAM WE BECOME YOUR AUTHORIZED REPRESENTATIVE IN EXERCISING YOUR RIGHTS TO DISPUTE THE VALIDITY OF THE DEBT. WE CONDUCT A FORENSIC AUDIT ON THE ACCOUNTING TO ENSURE THAT THE TRUTH IN LENDING ACT (TILA) LAWS HAVE BEEN FOLLOWED TO SEE IF THIS IS A BONA-FIDE DEBT. THAT MEANS WE DEMAND THAT THE ORIGINAL CREDITOR OR 3RD PARTY DEBT COLLECTOR PROVIDE TRUE VERIFICATION AND THEIR AUTHORIZATION TO COLLECT ON IT. THIS IS SOMETHING THEY ARE UNABLE TO PROVIDE.
Q- HOW CAN THE ORIGINAL CREDITOR NOT PROVIDE TRUE VERIFICATION? HOW IS IT THAT WE CAN DISPUTE THE ORIGINAL CREDITOR?
A- THE BANK DOES NOT LEND YOU THEIR MONEY, THEY LEND YOU THEIR CREDIT. A CREDIT CARD CONTRACT IS A CONTRACT OF ADHESION, WHICH IS A ONE SIDED CONTRACT. THE TERMS ARE “TAKE IT OR LEAVE IT” MEANING THE SIGNOR IS OF UNEQUAL STANDING TO THE BANK AND CAN NOT NEGOTIATE ANY TERMS OF THE CONTRACT. ACCORDING TO THE FAIR DEBT COLLECTIONS PRACTICES ACT THIS TYPE OF CONTRACT CAN NOT BE SUED FOR BREACH. WHEN DISPUTING THE ORIGINAL CREDITOR WE ARE ASKING THEM TO SHOW US A DEBIT RATHER THAN A CREDIT ON THEIR ACCOUNTING; THIS IS THE TRUE MEANING OF VERFICATION ACCORDING TO LAW. THIS IS ALSO SOMETHING THEY ARE UNABLE TO PROVIDE DUE TO THE WAY THE BANKS HANDLE THEIR ACCOUNTING.
Q – WHAT IF I FIND MYSELF GETTING SUED OR SERVED A SUMMONS AFTER I ENROLL IN YOUR PROGRAM?
A - THE PURPOSE OF OUR SERVICE IS TO PREVENT A LAWSUIT BUT IF YOU FIND YOURSELF FACING ONE, YOU WOULD HAVE ESTABLISHED A COMMERCIAL RECORD FOR YOUR DEFENSE. WE CAN REFER YOU TO AN AFFILIATE ATTORNEY IN OUR NETWORK TO REPRESENT YOU IN COURT OR TAKE IT TO MEDIATION. EVEN THOUGH A CONTRACT OF ADHESION IS CONSIDERED UNCONSCIONABLE, AT THE END OF THE DAY IT’S UP TO THE CONSIENCE OF THE COURT. THIS HAPPENS ABOUT 5% OF THE TIMES.
Q – WHY HAVEN’T I HEARD ABOUT THIS BEFORE?
A – YOU MAY HAVE IN OTHER INTERPRETATIONS HOWEVER, MAINLY BECAUSE THE CONCEPT HAD BEEN USED PRIMARILY WITHIN THE LEGAL COMMUNITY FOR CLIENTS OF ASSOCIATED ALUMNI ATTORNEYS OF LAW PROFESSORS THAT TEACH THIS SPECIFIC DISPUTE PROCESS. BECAUSE OF DDS, THE SAME DISPUTE PROCESS IS NOW AVAILABLE TO THE PUBLIC!
Q – WHY CAN’T I FIND YOUR COMPANY REGISTERED WITH THE BBB?
A – SEVERAL REASONS: WE DON’T SUBSCRIBE TO THE CORRUPTION ASSOCIATED WITH THIS AGENCY THAT REALLY DOESN’T PRODUCE AN ACCURATE RATING BASED ON THE FACT THAT THEY ACCEPT SUMS OF MONEY TO PUPLISH HIGH RATINGS. THE BBB IS MERELY TWO PEOPLE AT A LOCAL OFFICE; ONE AT A COMPUTER AND ONE ON A TELEPHONE. THE BEST EXAMPLE WOULD BE BANK OF AMERICA WHO CONTINUES TO RECEIVE HUNDREDS OF THOUSANDS OF COMPLAINTS BUT STILL MANAGES TO MAINTAIN AN “A” RATING. THE REAL WAY TO DETERMINE OUR SUCCESS STATUS IS TO REVIEW OUR TESTOMIALS OF ACTUAL PEOPLE WHO HAVE SUCCESSFULLY DISPUTED THEIR DEBT.
Q – WHERE DOES THE DEBT GO?
A – THERE IS NO DEBT. THESE ACCOUNTS ARE PAID AT THE POINT OF CHARGE OFF. NOT UNTIL YOU DISPUTE THE VALIDITY OF THE DEBT AND FORCE THE COLLECTION AGENCY TO SHOW TRUE VERFICATION IN ORDER TO VALIDATE THE DEBT, WHICH THEY CAN NOT DO, IS WHEN THE DEBT BECOMES ILLEGAL TO PURSUE FOR COLLECTION.
Q – WILL THE COLLECTION CALLS STOP?
A – THEY SHOULD CEASE ONCE THE FIRST DISPUTE PACKAGE IS RECEIVED. IF THEY DO NOT STOP, EACH CALL IS CONSIDERED AN INFRACTION. BE SURE TO LOG EACH AND EVERY CALL ON YOUR CALL LOG WHICH CAN BE FOUND IN YOUR WELCOME PACKAGE THAT YOU WILL RECEIVE SHORTLY AFTER ENROLLMENT. BY KEEPING A DETAILED LOG OF HARASSING CALLS AFTER THE FIRST PACKAGE HAS BEEN RECEIVED, THIS IS A PART OF CREATING A COMMERCIAL RECORD FOR YOUR DEFENSE. WITH THE CALL LOG, YOU NOW HAVE THE EVIDENCE TO SUE THE AGENCY, IF YOU CHOOSE TO DO SO, AND FINE THEM $1000 FOR EACH CALL THEY MAKE TO YOU.
