Give Me Credit Episode 14

Welcome to Episode 14 of Give Me Credit, the podcast where Credit Genius John Mackey and mortgage-underwriting veteran J.S. Whaldo turn the tangled world of debt collection and credit reporting into something clear, usable, and—believe it or not—empowering.Give Me Credit is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.In this episode, John and I break down the industry secrets that most consumers never hear: the critical difference between a debt that’s been assigned and one that’s been purchased, why that distinction changes everything about your rights, and how statutes of limitation vary wildly from state to state. They’ll also explain how a single small payment—sometimes just a few dollars—can accidentally restart the collection clock and put you right back in harm’s way.More importantly, you’ll hear why your strongest defense is always the same: validate the debt in writing, assert your rights under the FDCPA and Regulation F, and, when necessary, use a cease-and-desist letter to stop harassment in its tracks.Episode 14 is all about turning confusion into confidence, fear into strategy, and pressure into power.This is Give Me Credit.This is where the truth starts.Thanks for listening to Give Me Credit! This post is public, so feel free to share it. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe